# EDGAR Filing Document

**Accession Number:** 0001697970
**File Stem:** 0001839882-23-004425
**Filing Date:** 2023-2
**Character Count:** 1896601
**Document Hash:** f7dcbfe6db5a7324e5eec01c0b6cdfa3
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-004425.hdr.sgml**: 20230222

**ACCESSION NUMBER**: 0001839882-23-004425

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

**PUBLIC DOCUMENT COUNT**: 40

**CONFORMED PERIOD OF REPORT**: 20230222

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

**FILED AS OF DATE**: 20230222

**DATE AS OF CHANGE**: 20230222

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970
- **IRS NUMBER:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-03251
- **FILM NUMBER:** 23654672

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Angel Oak Mortgage Trust I, LLC
- **CENTRAL INDEX KEY:** 0001697970
- **IRS NUMBER:** 816646854
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305
- **BUSINESS PHONE:** 4046370412

**MAIL ADDRESS:**
- **STREET 1:** 3060 PEACHTREE ROAD, SUITE 500
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30305

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

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**FORM ABS-15G**

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**ASSET-BACKED SECURITIZER REPORT**

**Pursuant to Section 15G of**

**the Securities Exchange Act of 1934**

**Angel Oak Mortgage Trust I, LLC**

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

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _______ to __________**

**Date of Report (Date of earliest event reported):<u> </u>**

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**(Exact name of securitizer as specified in its charter)**

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| | |
|:---|:---|
| **(Commission File Number of securitizer)** | **(Central Index Key Number of securitizer)** |

---

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

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

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

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

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

**Angel Oak Mortgage Trust 2023-2**

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

**Central Index Key Number of depositor: 0001697970**

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

**Central Index Key Number of underwriter (if applicable): ____**

**Adam Langley, Chief Operating Officer, (404) 637-0412**

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

**to contact in connection with this filing**

**PART I – REPRESENTATION AND WARRANTY INFORMATION**

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

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Not applicable.

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

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Not Applicable.

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| | |
|:---|:---|
| **Item 1.03** | **Periodic Filing of Rule 15Ga-1 Representations and Warranties Disclosure** |

---

Not Applicable.

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

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

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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.

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

---

Not Applicable.

EXPLANATORY NOTE

This Form ABS-15G is supplemented by the Form ABS-15G filed by Angel Oak Mortgage Trust I, LLC on May 20, 2019 (Accession Number: 0001387131-19-003844) (the "Prior Filing"). The Prior Filing provided information required by Rule 15Ga-2 (17 CFR 240.15Ga-2) with respect to mortgage loans that were included in the AOMT 2019-3 securitization transaction ("Prior Transaction"). Exhibits 99.1 through 99.5 are incorporated by reference solely to the extent of loan number 206061399 and Exhibits 99.6 through 99.14 are incorporated by reference solely to the extent of loan number 200001272 (such mortgage loans were included in the Prior Transaction and will be included in the AOMT 2023-2 securitization transaction).

SIGNATURES

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

---

| | |
|:---|:---|
| Angel Oak Mortgage Trust I, LLC | Angel Oak Mortgage Trust I, LLC |
| (Depositor) | (Depositor) |
| By: | /s/ Adam Langley |
| Name: | Adam Langley |
| Title: | Chief Operating Officer |

---

Date: February 22, 2023

EXHIBIT INDEX

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| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| [99.2](ex99-2.htm) | AMC Valuation Summary |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Rating Agency Grades |
| [99.5](ex99-5.htm) | AMC Data Compare Summary |
| [99.6](ex99-6.htm) | Consolidated Analytics, Inc. ("Consolidated") Executive Summary |
| [99.7](ex99-7.htm) | Consolidated Due Diligence Report |
| [99.8](ex99-8.htm) | Consolidated Valuation Report |
| [99.9](ex99-9.htm) | Consolidated Grading Summary Report |
| [99.10](ex99-10.htm) | Consolidated Data Compare Report |
| [99.11](ex99-11.htm) | Infinity IPS, Inc. ("Infinity") Executive Summary |
| [99.12](ex99-12.htm) | Infinity Agency Grade Report |
| [99.13](ex99-13.htm) | Infinity Data Compare |
| [99.14](ex99-14.htm) | Infinity Individual Exception Report |
| [99.15](ex99-15.htm) | Infinity Valuation Report |
| [99.16](ex99-16.htm) | Selene Diligence LLC ("Selene") Due Diligence Review Narrative |
| [99.17](ex99-17.htm) | Selene Rating Agency Grading |
| [99.18](ex99-18.htm) | Selene Findings Detail |
| [99.19](ex99-19.htm) | Selene Valuation Summary |
| [99.20](ex99-20.htm) | Selene Data Compare |
| [99.21](ex99-21.htm) | Recovco Mortgage Management ("Recovco") Executive Summary |
| [99.22](ex99-22.htm) | Recovco Rating Agency Grades |
| [99.23](ex99-23.htm) | Recovco Exception Level |
| [99.24](ex99-24.htm) | Recovco Valuation Summary |
| [99.25](ex99-25.htm) | Recovco Data Comparison |
| [99.26](ex99-26.htm) | Canopy Financial Technology Partners LLC ("Canopy") Narrative |
| [99.27](ex99-27.htm) | Canopy Rating Agency Grades Summary Report |
| [99.28](ex99-28.htm) | Canopy Rating Agency Grades Detail Report |
| [99.29](ex99-29.htm) | Canopy Valuation Report |
| [99.30](ex99-30.htm) | Canopy Data Compare Report |

---

## Exhibit 99.1

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") acquired by Angel Oak Mortgage Fund EU B LLC (the "Client") through its correspondent flow business channel. The Review was conducted February 2019 through October 2020 on Loans with origination dates from November 2018 through September 2020 via files imaged and provided by the Client or its designee for review.

The securitization transaction referred to as the AOMT 2023-2 transaction (the "Current Securitization") has an aggregate loan population of 8. In addition to the Review, AMC also previously performed certain due diligence services (the "Previous Review") with respect to an additional 1 Loan (the "Previously Reviewed Loan") that are included in the Current Securitization and that was previously included in prior rated securitization transactions referred to as the AOMT 2019-3 transaction. Information with respect to the Previously Reviewed Loans can be found in Exhibit 99.1 in the Form ABS-15G filed by Angel Oak Mortgage Trust I, LLC on May 20, 2019 (Accession Number: 0001387131-19-003844). The AMC Loan ID# for each of the Previously Reviewed Loans can be found on Exhibit A attached hereto. In total during the Review, AMC reviewed a total of 9 unique mortgage loans for inclusion in the securitization.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for paid-in-full mortgage loans or other items that were not disclosed to AMC. The final population of the Review covered 8 Loans totaling an aggregate original principal balance of approximately $2.355 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

Within this population there were 5 Loans that were reviewed by AMC to nationally recognized statistical rating organizations, NRSRO(s), standards for compliance, credit, and valuation (the "Residential Population") and 3 Loan was not reviewed for compliance given the stated loan purpose (investor small balance commercial real estate loans secured by residential property; the "SBCRE Population").

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. As the securitization population includes loans from different periods of time and from differing transactions, not all data elements were provided to AMC on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;State |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Zip |

---

Additional information about the data integrity review is included in Item 5 below.

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

AMC's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination

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![](ex991001.jpg)

***<u>Residential Population</u>***

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

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

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

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

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

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was also performed by AMC. During the course of this review, AMC (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirmed that the premium amount on both the hazard and flood insurance matched what was used in the DTI calculations, (iv) reviewed the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (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 Review:** When provided and appropriate, AMC verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not 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

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property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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

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

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

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

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

***<u>SBCRE Population</u>***

Each loan was reviewed for adherence to the relevant credit policy as indicated by the Client. For this review, procedures followed included:

▪ Reviewing
 the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence
 to the credit policy, and agreement with other Loan Approval documentation.

▪ Examining
 appraisal reports, BPO's, and appraisal reviews to determine if the property type
 is consistent with underwritten property type and usage (such as evidence/an indication
 of either owner or tenant occupancy) and comparing this information against other relevant
 information contained within applicable sections of the loan file to evaluate consistency,
 accuracy, and adheres to the credit policy.

▪ Reviewing
 environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy
 and adherence to credit policy requirements.

▪ Reviewing
 credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation
 to confirm accuracy, adherence to credit policy requirements, and consistency with the
 Final Loan Approval worksheet.

▪ Reviewing
 HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification
 of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well
 as adherence to credit policy requirements.

▪ Reviewing
 LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation
 that the LOI/LOE cited address is consistent with the subject property address, and that
 signatory(s) are consistent with the identified borrower(s)/guarantor(s).

▪ Reviewing
 Final Form 1003/Loan application to ensure complete execution that the subject property
 listed is consistent with the subject property, and that the listed residence for the
 Individual(s) is an address other than the subject property.

▪ Confirming,
 if applicable, business license(s) and P&L's are present, valid, and adheres
 to credit policy requirements.

▪ Confirming,
 if applicable, second mortgage documents are present, valid, align with approved terms
 amounts, and adhere to credit policy requirements.

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![](ex991001.jpg)

▪ Reviewing
 final loan approval worksheets for accuracy, completion, documentation of approval for
 any exceptions, and evaluating such items for agreement/consistency with all other documentation
 contained in the review file.

▪ Reviewing
 the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity
 for presence of a completed fields, and verifying that the hand written Primary Residence
 address differs from the subject property address, and is signed/dated as required.

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

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

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

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

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Note | &nbsp;&nbsp;Business License\* | &nbsp;&nbsp;Flood certificates |
| &nbsp;&nbsp;Guaranty Agreement(s)\* | &nbsp;&nbsp;Business P&L's\* | &nbsp;&nbsp;Purchase agreement(s)\* |
| &nbsp;&nbsp;Deed of Trust / Mortgage | &nbsp;&nbsp;Verification of down payment funds/ funds to close / reserve funds\* | &nbsp;&nbsp;Final HUD-1 |
| &nbsp;&nbsp;Non-Owner-Occupancy & Business – Purpose Letter of Intent (LOI) / Letter of Explanation (LOE) | &nbsp;&nbsp;Appraisal Report | &nbsp;&nbsp;Title Search Documentation |
| &nbsp;&nbsp;Final Form 1003 / Loan Application(s) | &nbsp;&nbsp;Broker Price Opinion and market rent addendum\* | &nbsp;&nbsp;Evidence of Hazard / Liability / Flood Insurance coverage |
| &nbsp;&nbsp;Credit Report(s) | &nbsp;&nbsp;Appraisal Review documentation\* | &nbsp;&nbsp;Second mortgage documentation\* |
| &nbsp;&nbsp;Verification of Rent / Mortgage (VOR/VOM) payment history\* | &nbsp;&nbsp;Existing Leases\* | &nbsp;&nbsp;Certification(s) of Business purpose of loan |
| &nbsp;&nbsp;Identification / proof of residency status | &nbsp;&nbsp;Rent Roll\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

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

With regard to the use of comparable properties, AMC's review (i) analyzed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and considered whether 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

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area after the valuation date and notifying the Client of same (iv) confirming the appraisal report does not include any apparent environmental problems, (v) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (vi) reviewing pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject property is the one for which the valuation was ordered and that there are no negative external factors; and (vii) confirming that the value product that was used as part of the origination decision was directly accessible to AMC or if it was not directly accessible that another valuation product that was directly accessible to AMC was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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

***<u>Residential Population</u>***

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.

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 loan's collateral that has been reviewed by AMC.

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

**<u>FOR APPLICATION DATES BEFORE JANUARY 10, 2014</u>**

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Initial
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Right
 of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Tangible
 Net Benefit Disclosure;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

AMC reviews the loan to determine whether, based on available information in the loan file, the creditor considered, as applicable, the following eight underwriting factors, and verified such information using reasonably reliable third-party

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

*Note*: for loans designated as QM – agency eligible, AMC will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

**(XI) FIRREA Review**

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 comparables and adjustments were reasonable and that pictures were provided and were accurate.

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, 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 Industry Group (the "SFIG 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 Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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 were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization

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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 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 Former Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG 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.

**(XIII) 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;▪ Loan
 Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Closing
 Disclosures; and

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

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

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

**(9) Disclaimer.**

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

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

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transaction involving any such securities, shall be made solely by the parties to or investors in the transaction. The results set forth in this Report do not constitute tax or investment advice. The scoring models in this Report are designed to identify potential risk in the securities backed by the mortgage loans reviewed, and each party or investor assumes sole responsibility for determining the suitability of the information for its particular use. SitusAMC does not make any representation or warranty (express or implied) as to the value of any mortgage loan or mortgage loan's collateral that has been reviewed by SitusAMC.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the Form ABS Due Diligence-15E.

**COMPLIANCE RESULTS SUMMARY**

Please note that 3 Loans are a small balance commercial loan on a residential property that was not subjected to a compliance review and did not receive a compliance grade. Of the remaining 5 mortgage loans, 100% received an "A" or "B" compliance grade under NRSRO grading criteria.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Residential <br> Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 3 Loans (37.50%) possessed an "A" grade. The "B" grade corresponds to 5 Loans (62.50%) where the primary exception was based on a Loan characteristic falling outside of the applicable Underwriting Guidelines; however, a strong documented compensating factor existed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;62.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 100.00% of the Loans possessed an "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;8 | &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;**8** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, 100.00% of the Loans by number in the pool possessed a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;25.00% |

---

12 \| P a g e

![](ex991001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;75.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 8 Loans reviewed, there were 12 different tape discrepancies across 6 data fields (some Loans had more than one data delta). As discussed above, there were 21 data fields included in the tape integrity review. Not all data fields would have been provided on all Loans within the securitization population.

The largest variances were found on Investor: Qualifying Housing Ratio, Investor: Qualifying Total Debt Ratio and Margin. Please note that Investor: Qualifying Total Debt Ratios where the variance was less than 200 basis points were excluded as deltas.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With<br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp; **% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Investor: Qualifying Housing Ratio | &nbsp;&nbsp;4 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;7 | &nbsp;&nbsp;42.86% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;2 | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;MERS Min Number | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;25.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**133** | &nbsp;&nbsp;**9.02%** | &nbsp;&nbsp;**8** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY\***

\*Some tables may not add to 100% due to rounding

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;7 | &nbsp;&nbsp;87.50% | &nbsp;&nbsp;$2235438.00 | &nbsp;&nbsp;94.91% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$120000.00 | &nbsp;&nbsp;5.09% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2355438.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2355438.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2355438.00** | &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;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$250000.00 | &nbsp;&nbsp;10.61% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$576000.00 | &nbsp;&nbsp;24.45% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;6 | &nbsp;&nbsp;75.00% | &nbsp;&nbsp;$1529438.00 | &nbsp;&nbsp;64.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2355438.00** | &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;8 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$2355438.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2355438.00** | &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;5 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;$1502875.00 | &nbsp;&nbsp;63.80% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$852563.00 | &nbsp;&nbsp;36.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2355438.00** | &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;3 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$1431000.00 | &nbsp;&nbsp;60.75% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;4 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$744438.00 | &nbsp;&nbsp;31.61% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;12.50% | &nbsp;&nbsp;$180000.00 | &nbsp;&nbsp;7.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2355438.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Profile** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;5 | &nbsp;&nbsp;62.50% | &nbsp;&nbsp;$1869750.00 | &nbsp;&nbsp;79.38% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;3 | &nbsp;&nbsp;37.50% | &nbsp;&nbsp;$485688.00 | &nbsp;&nbsp;20.62% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**8** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$2355438.00** | &nbsp;&nbsp;**100.00%** |

---

14 \| P a g e

## Exhibit 99.2

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.2**

![](aomt-001.jpg)

**Valuation Report**

**Run Date - 2/6/2023 10:31:54 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| xxxx | 206061399 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxx | 2023020138 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.20 |
| xxxx | 2023020137 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| xxxx | 2023020140 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.30 |
| xxxx | 2023020141 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.10 |
| xxxx | 2023020142 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.30 |
| xxxx | 2023020001 |  |  | xxxx | xxxx | xxxx | xxxx | $0.00 | 0.000% | xxxx | xxxx | xxxx | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.00 |

---

## Exhibit 99.3

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.3**

![](aomt-001.jpg)

**Exception Grades**

**Run Date -xxxx2023 10:31:53 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **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** |
| xxxx | 206061399 |  |  | xxxx | xxxx | xxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (xxxx): Received desk review | 4/xxxx19 4:58:31 PM |  |  | 1 C A | xxxx | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | 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 xxxx exceeds tolerance of xxxx. Insufficient or no cure was provided to the borrower. (7506) | Cure for Appraisal Fee of xxxx was not provided. Initial LE disclosed appraisal fee of xxxx |  |  |  | Reviewer Comment (xxxx): $15 tolerance cure completed at closing for Appraisal Fee increase. | 1/xxxx19 2:43:45 PM |  |  | 1 C A | xxxx | 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 |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits | TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Finxxxx018) | Final Closing Disclosure provided on xxxx disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit |  |  |  | Reviewer Comment (xxxx): $15 tolerance cure completed at closing for Appraisal Fee increase. | 1/xxxx19 2:43:45 PM |  |  | 1 B A | xxxx | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Compliant | TIL variable rate disclosure: ARM loan program disclosure does not match terms of loan. | Disclosure was provided E-Documents - Missing actual disclosure to confirm terms |  |  |  | Reviewer Comment (xxxx): Received ARM Disclosure. | 1/xxxx19 2:51:19 PM |  |  | 1 C A | xxxx | TX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | 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. (Type:Primaxxxx018) | Valuation was Emailed to Borrower onxxxx |  |  |  |  |  |  |  | 2 B | xxxx | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | 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 - Policy Guarantee Fee. Fee Amount of xxxx exceeds tolerance of xxxx. Insufficient or no cure was provided to the borrower. (77223) | Cure for Title - Policy Guarantee Fee.of xxxx was not provided to the Borrower The Initial LE did not disclose the fee. Missing valid change in circumstance. |  |  |  | Reviewer Comment (xxxx): AMC received an attestation for the Title - policy guarantee fee was a required fee by Borrower's chosen provider. | 1/xxxx19 2:43:45 PM |  |  | 1 C A | xxxx | 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 |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | 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 - Survey Fee. Fee Amount of xxxx exceeds tolerance of xxxx. Insufficient or no cure was provided to the borrower. (77187) | Cure for Title- Survey Fee was not provided. Initial LE disclosed xxxx. FInal CD disclosed xxxx Missing Valid change in circumstance |  |  |  | Reviewer Comment (xxxx): Correct naming convention on LE entries from Survey to Title Survey. Ran testing and cleared. | 1/xxxx19 2:27:24 PM |  |  | 1 C A | xxxx | 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 |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | 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 xxxx exceeds tolerance of xxxx. Sufficient or excess cure was provided to the borrower at Closing. (7506) | $15 tolerance cure completed at closing. |  |  |  |  |  | 1/xxxx19 2:43:45 PM |  | 1 A | xxxx | TX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: OriginaxxxxPublic Record Type: Charge-offxxxxalance: xxxx, Credit Report: OriginaxxxxPublic Record Type: Charge-offxxxxalance: xxxx, Credit Report: OriginaxxxxPublic Record Type: Collectionxxxxalance: xxxx | Guidelines require collectioxxxxarge-off accounts be paid off prior to closing, have enough reserves to cover the balances, or use 5% of the balances to include as a liability. The final 1003 doesn't indicate a monthly payment was included in DTI, and no proof that they were paid off, so the reviewer included them in the required reserve amount. XXX XXX bank statements are > 90 days old, therefore they are not able to be used for reserves, and this leads to a shortage in required reserves for the aforementioned collectixxxxarge-off accounts. |  |  |  |  |  |  |  | 2 B | xxxx | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  | There is only 1 valuation in file. |  |  |  | Reviewer Comment (xxxx): Received Desk Review | 4/xxxx19 12:09:23 PM |  |  | 1 C A | xxxx | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: OriginaxxxxPublic Record Type: Collectionxxxxalance: xxxx | Guidelines require collectioxxxxarge-off accounts be paid off prior to closing, have enough reserves to cover the balances, or use 5% of the balances to include as a liability. The final 1003 doesn't indicate a monthly payment was included in DTI, and no proof that they were paid off, so the reviewer included them in the required reserve amount. XXX XXX bank statements are > 90 days old, therefore they are not able to be used for reserves, and this leads to a shortage in required reserves for the aforementioned collectixxxxarge-off accounts. |  |  |  |  |  |  |  | 2 B | xxxx | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of xxxx on Final Closing Disclosure provided on xxxx not accurate. (Finxxxx018) | The hazard insurance amount on the HOI (xxxx) policy is less than the amount disclosed on the final CD (xxxx). |  |  |  | Reviewer Comment (xxxx): Previously addressed with Compliance Review. | 2/xxxx19 10:38:20 AM |  |  | 1 C A | xxxx | TX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeqxxxx4477) | The hazard insurance amount on the HOI (xxxx) policy is less than the amount disclosed on the final CD (xxxx). |  |  |  | Reviewer Comment (xxxx): Previously addressed with Compliance Review. | 2/xxxx19 10:38:20 AM |  |  | 1 C A | xxxx | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeqxxxx4478) | The hazard insurance amount on the HOI (xxxx) policy is less than the amount disclosed on the final CD (xxxx). |  |  |  | Reviewer Comment (xxxx): Previously addressed with Compliance Review. | 2/xxxx19 10:38:20 AM |  |  | 1 C A | xxxx | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 3 that does not match the actual payment for the loan. (ProjSeqxxxx4479) | The hazard insurance amount on the HOI (xxxx) policy is less than the amount disclosed on the final CD (xxxx). |  |  |  | Reviewer Comment (xxxx): Previously addressed with Compliance Review. | 2/xxxx19 10:38:20 AM |  |  | 1 C A | xxxx | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an escrow payment for payment stream 4 that does not match the actual payment for the loan. (ProjSeqxxxx4480) | The hazard insurance amount on the HOI (xxxx) policy is less than the amount disclosed on the final CD (xxxx). |  |  |  | Reviewer Comment (xxxx): Previously addressed with Compliance Review. | 2/xxxx19 10:38:20 AM |  |  | 1 C A | xxxx | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| xxxx | 2023020136 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on xxxx disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeqxxxx4477) | The hazard insurance amount on the HOI (xxxx) policy is less than the amount disclosed on the final CD (xxxx). |  |  |  | Reviewer Comment (xxxx): Previously addressed with Compliance Review. | 2/xxxx19 10:38:20 AM |  |  | 1 C A | xxxx | TX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| xxxx | 2023020138 |  |  | xxxx | xxxx | xxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (xxxx): FNMA CU @ 2.2<br>Buyer Comment (xxxx): FNMA CU Risk Rating of 2.2 located on page 213 in acuity. Please clear | xxxx 12:50:09 PM |  |  | 1 C A | xxxx | FL | Investment | Purchase | C B A |  | N/A | No |
| xxxx | 2023020138 |  |  | xxxx | xxxx | xxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Ineligible property square footage @ 990 < 1200 requirement | DSCR of xxxx<br>xxxx months reserves > 6 months guideline minimum |  | Originator<br>Originator | Reviewer Comment (xxxx): Received Credit Risk Summary & Exception Approval.<br>Buyer Comment (xxxx): Please see attached exception |  |  | 9/xxxx19 5:28:41 PM | 2 B | xxxx | FL | Investment | Purchase | C B A |  | N/A | No |
| xxxx | 2023020137 |  |  | xxxx | xxxx | xxxx | Credit | Incomxxxxmployment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxx Insurance Verification |  |  |  |  | Reviewer Comment (xxxx): Rec'd insurance. | xxxx 10:29:36 AM |  |  | 1 C A | xxxx | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020137 |  |  | xxxx | xxxx | xxxx | Credit | Credit | AUS Discrepancxxxxuidelines Discrepancy | Credit | Payment Shock exceeds credit guidelines. | Payment Shock: xxxx% | 350% max. Buyers obtained two new HELOCs for departing residence and investment property which increased payment shock. | Borrower has a disposable income of $xxxx,600 |  | Originator | Reviewer Comment (xxxx): Rec'd exception for payment shock exceeds guidelines. |  |  | xxxx 10:30:11 AM | 2 C B | xxxx | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020137 |  |  | xxxx | xxxx | xxxx | Credit | Incomxxxxmployment | Income Documentation | Incomxxxxmployment | Income Docs Missing: | Borrower: xxxx VVOE - Employment Only |  |  |  |  | Reviewer Comment (xxxx): VVOE provided.<br>Buyer Comment (xxxx): That is incorrect. Per my conversation with Stephanie Wells we are only responsible for proving the borrower was employed at the time of closing.<br>Reviewer Comment (xxxx): VVOE provided states "Confirmed borrower was employed at the time of closing. VVOE must confirm borrower is still employed. Exception remains.<br>Reviewer Comment (xxxx): VVOE required, wage earner, will not meet ATR without verificaiton<br>Reviewer Comment (xxxx): Rec'd website printout. Borrower is a wage-earner, missing VVOE | 1xxxx20 12:53:34 PM |  |  | 1 C A | xxxx | TN | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020140 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of xxxx on Final Closing Disclosure provided on xxxx not accurate. (Finxxxx019) | The appraisal reflects monthly HOA fees are xxxx monthly; however, the Final Closing Disclosure reflects annual non escrowed costs of $xxxx or $200 per month. |  |  |  | Reviewer Comment (xxxx): AMC received PCCD correcting non escrowed property costs and LOE. Exception Cured. |  | 1xxxx20 8:28:50 AM |  | 2 C B | xxxx | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| xxxx | 2023020140 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xxxx disclosed a Total of Payments that does not match the actual total of payments for the loan. (Finxxxx019) | Under disclosed by xxxx |  |  |  | Reviewer Comment (xxxx): AMC reviewed exception. Upon further review exception may be cleared.<br>Buyer Comment (xxxx): ? I do not see any difference between what is in the system on page 5 of the CD and what was sent on the CD dated xxxx | 1xxxx20 9:12:46 AM |  |  | 1 C A | xxxx | FL | 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 if Applicable B | Non QM | Non QM | Yes |
| xxxx | 2023020140 |  |  | xxxx | xxxx | xxxx | 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 xxxx exceeds tolerance of xxxx. Sufficient or excess cure was provided to the borrower at Closing. (7506) |  |  |  |  |  |  | xxxx 7:09:55 AM |  | 1 A | xxxx | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxx | 2023020140 |  |  | xxxx | xxxx | xxxx | 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. (Finxxxx019) | Initial CD was not provided. |  |  |  | Reviewer Comment (xxxx): AMC received xxxx CD. Exception Cleared. | 1xxxx20 9:03:10 AM |  |  | 1 C A | xxxx | FL | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxxx | 2023020140 |  |  | xxxx | xxxx | xxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Securitization Review and the supporting secondary valuation was an AVM |  |  |  |  |  | Reviewer Comment (xxxx): Rec'd CDA D0166 dtd xxxxalue $xxxx | 1xxxx21 11:45:26 AM |  |  | 1 A C | xxxx | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on xxxx contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation | CD issued on the closing date. |  |  |  | Reviewer Comment (xxxx): AMC received xxxx CD received the same day. Exception Cleared. | 1/xxxx20 8:28:29 AM |  |  | 1 C A | xxxx | FL | Second Home | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | Credit | Credit | AUS Discrepancxxxxuidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.78 is less than Guideline PITIA months reserves of 4.00. | Credit Risk Summary & Exception Approval, D198. Reserve requirements not met. Compensating Factors: 1) Payment Shock 2) Residual Income | Over XXX residual income<br>Payment shock is low. |  | Originator<br>Originator | Reviewer Comment (xxxx): Lender Exception approval in file. |  |  | 1/xxxx20 5:15:07 PM | 2 B | xxxx | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of xxxx is less than the note amount of xxxx based on the title evidence in file. |  |  |  |  | Reviewer Comment (xxxx): Rec'd Short Form Residential Loan Policy in trailing docs exception cleared. | 2xxxx20 12:07:18 PM |  |  | 1 C A | xxxx | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | Credit | Legaxxxxegulatorxxxxompliance | Titlxxxxien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Commitment |  |  |  |  | Reviewer Comment (xxxx): Rec'd Short Form Residential Loan Policy in trailing docs exception cleared. | 2xxxx20 12:07:11 PM |  |  | 1 A | xxxx | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | Credit | Incomxxxxmployment | Income Documentation | Incomxxxxmployment | Income Docs Missing: | Borrower: xxxx Bank Statements - Business | Missing August 2019 bank statement for income. |  |  |  | Reviewer Comment (xxxx): Exception Cleared: Statement provided. | 1/xxxx20 7:09:53 AM |  |  | 1 C A | xxxx | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | Credit | Incomxxxxmployment | Income Documentation | Missing Document | REO Documents are missing. | Address: xxxxL Insurance Verification, Statement, Tax Verification |  |  |  |  | Reviewer Comment (xxxx): Rec'd Mortgage statement; exception cleared.<br>Buyer Comment (xxxx): Also this Mtg is on the Bwrs Credit Rep, thanks<br>Buyer Comment (xxxx): Note: The payments are Escrowed, thanks<br>Buyer Comment (xxxx): See upload for--xxxx but you have XXX? What does that mean the REO is in PR, thanks | 2xxxx20 12:07:37 PM |  |  | 1 C A | xxxx | FL | Second Home | Purchase | C B A | Non QM | Non QM | No |
| xxxx | 2023020139 |  |  | xxxx | xxxx | xxxx | 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 xxxx exceeds tolerance of xxxx. Sufficient or excess cure was provided to the borrower at Closing. (8304) |  |  |  |  |  |  | 1/xxxx20 3:08:04 PM |  | 1 A | xxxx | FL | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| xxxx | 2023020142 |  |  | xxxx | xxxx | xxxx | Credit | Legaxxxxegulatorxxxxompliance | Titlxxxxien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: Preliminary |  |  |  |  | Reviewer Comment (xxxx): Received final title | 6/xxxx20 1:52:24 PM |  |  | 1 A | xxxx | CA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| xxxx | 2023020142 |  |  | xxxx | xxxx | xxxx | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  |  |  |  |  | Reviewer Comment (xxxx): Received final title | 6/xxxx20 1:52:32 PM |  |  | 1 B A | xxxx | CA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| xxxx | 2023020142 |  |  | xxxx | xxxx | xxxx | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to go in a securitization and reflects only one valuation product when two are required. |  |  |  |  |  | Reviewer Comment (xxxx): Received CDA within tolerance | 6/xxxx20 10:27:35 PM |  |  | 1 C A | xxxx | CA | Investment | Refinance - Cash-out - Other | C A B |  | N/A | No |
| xxxx | 2023020001 |  |  | xxxx | xxxx | xxxx | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: | Credit Report: OriginaxxxxPublic Record Type: Collectionxxxxalance: xxxx | Borrower has a $xxxx collection openedxxxxxx which is < 24 months required per guidelines. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and xxxx.<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 verified disposable income of at least $XXX.<br>Borrower has been employed in the same industry for more than 5 years. | xxxx | Originator Pre-Close,SitusAMC<br>SitusAMC<br>Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC<br>SitusAMC | Reviewer Comment (xxxx): Exception in file for seasoning requirement not met. |  |  | xxxx 3:39:56 PM | 2 B | xxxx | TX | Investment | Purchase | C B A | N/A | N/A | No |
| xxxx | 2023020001 |  |  | xxxx | xxxx | xxxx | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | 24 month prepayment penalty is < 36 months required per guidelines. |  |  |  | Reviewer Comment (xxxx): Buyout allowable per Matrix<br>Buyer Comment (xxxx): the borrower bought down so that is why is ppp is only 24 mths | 2xxxx22 3:31:07 PM |  |  | 1 C A | xxxx | TX | Investment | Purchase | C B A | N/A | N/A | No |
| xxxx | 2023020001 |  |  | xxxx | xxxx | xxxx | Credit | Loan Package Documentation | Closinxxxxitle | Loan Package Documentation | Title Error: Title vesting does not concur with deed |  | The security instrument reflects xxxx. The transfer deed only reflects XXX. |  |  |  | Reviewer Comment (xxxx): Borrower is unmarried and on note therefore responsible party for repayment; Transfer deed is in Borrower name only is permissible and is a recorded document.<br>Buyer Comment (xxxx): So sorry for the delay… even though things have slowed, it has still been a little crazy!<br>Title is always vested in the borrowers names. Since he was the only borrower, it explains why he is the only one that was put in title.<br>He would have had to have requested her to be put in title for that to happen. We can't just randomly deed a portion of the borrowers interest away without their consent.<br>So the deed that was generated is correct | 2xxxx22 9:41:52 AM |  |  | 1 C A | xxxx | TX | Investment | Purchase | C B A | N/A | N/A | No |

---

## Exhibit 99.4

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.4**

![](aomt-001.jpg)

**Rating Agency Grades**

**Run Date - 2/6/2023 10:31:53 PM**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** |
| xxxx | 206061399 |  |  | xxxx | xxxx A C |
| xxxx | 2023020136 |  |  | xxxx | xxxx B C A |
| xxxx | 2023020138 |  |  | xxxx | xxxx A C B |
| xxxx | 2023020137 |  |  | xxxx | xxxx C A B |
| xxxx | 2023020140 |  |  | xxxx | xxxx A C B |
| xxxx | 2023020139 |  |  | xxxx | xxxx C A B |
| xxxx | 2023020141 |  |  | xxxx | xxxx A |
| xxxx | 2023020142 |  |  | xxxx | xxxx B C A |
| xxxx | 2023020001 |  |  | xxxx | xxxx C A B |

---

## Exhibit 99.5

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.5**

![](aomt-001.jpg)

**Data Compare Summary (Total)**

**Run Date - 2/6/2023 10:32:01 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| Borrower Last Name | 0 | 9 | 0.00% | 9 |
| City | 0 | 9 | 0.00% | 9 |
| Disbursement Date | 0 | 3 | 0.00% | 9 |
| Investor: Qualifying Housing Ratio | 5 | 6 | 83.33% | 9 |
| Investor: Qualifying Total Debt Ratio | 3 | 7 | 42.86% | 9 |
| Margin | 2 | 4 | 50.00% | 9 |
| MERS Min Number | 1 | 4 | 25.00% | 9 |
| Note Date | 0 | 9 | 0.00% | 9 |
| Occupancy | 0 | 9 | 0.00% | 9 |
| Original CLTV | 0 | 9 | 0.00% | 9 |
| Original Loan Amount | 0 | 9 | 0.00% | 9 |
| Original LTV | 0 | 9 | 0.00% | 9 |
| Original P&I | 1 | 3 | 33.33% | 9 |
| Original Term | 0 | 5 | 0.00% | 9 |
| Originator Loan Designation | 0 | 5 | 0.00% | 9 |
| Property Type | 1 | 9 | 11.11% | 9 |
| Purpose | 0 | 9 | 0.00% | 9 |
| Refi Purpose | 0 | 2 | 0.00% | 9 |
| Representative FICO | 0 | 9 | 0.00% | 9 |
| State | 0 | 9 | 0.00% | 9 |
| Zip | 0 | 9 | 0.00% | 9 |
| **Total** | **13** | **147** | **8.84%** | **9** |

---

## Exhibit 99.6

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.6** 

**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 behalf of its client, Angel Oak Mortgage Fund EU B LLC. The review included a total of 229 newly originated residential mortgage loans, in connection with the securitization identified as AOMT 2023-2 (the "Securitization"). The Review was conducted from May 2021 through February 2023 on mortgage loans originated between April 2021 and July 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● 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

● Documentation meets Appendix Q requirements for QM Loans

&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. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 (229 loans in total):

Twenty-one (21) loans had a Secondary Appraisal, sixty-five (65) loans had AVMs, and fifty-six (56) loans had a Desktop Review. There were six (6) occurrences of this.

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

Zero (0) loans had a Second Desk Review, and ten (10) loans had a Full Appraisal Review, all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 229 mortgage loans reviewed, eleven (11) unique mortgage loans (4.80% by loan count) had a total of thirteen (13) tape discrepancies across three (3) 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.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Originator DTI | 8 | 61.54% |
| Original CLTV | 3 | 23.08% |
| Original LTV | 2 | 15.38% |
| **Grand Total** | **13** | **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 | 158 | $116639693.00 | 69.00% |
| Event Grade B | 71 | $50064837.00 | 31.00% |
| Event Grade C | 0 | $0.00 | 0.00% |
| Event Grade D | 0 | $0.00 | 0.00% |
| **Total Sample** | 229 | $166704530.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 190 | 82.97% |
| Event Grade B | 39 | 17.03% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 229 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 188 | 82.10% |
| Event Grade B | 41 | 17.90% |
| Event Grade C | 0 | 0.00% |
| Event Grade D | 0 | 0.00% |
| **Total Sample** | 229 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 225 | 98.25% |
| Event Grade B | 4 | 1.75% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 229 | 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").

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 135 |
| Credit | A | Hazard Insurance Coverage is Not Sufficient | 8 |
| Credit | A | Borrower Employment Verification does not meet guidelines | 5 |
| Credit | A | Housing history does not meet guidelines | 4 |
| Credit | A | Qualifying DTI exceeds Guideline Maximum Allowable | 4 |
| Credit | A | Borrower 2 Income Verification is less than 12 months | 4 |
| Credit | A | Liquid Reserves are less than Guidelines Required | 4 |
| Credit | A | Borrower Income Verification does not match Approval | 4 |
| Credit | A | Asset Documents are Incomplete | 3 |
| Credit | A | Borrower credit report is greater than 60 days from the Note date | 3 |
| Credit | A | Payment shock exceeds lender guidelines | 3 |
| Credit | A |  |  |
| Credit | A |  |  |
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---

---

| | | |
|:---|:---|:---|
| | Borrower Liabilities Verification Indicator is Partial | 3 |
| | DSCR is less than guideline minimum | 3 |
| | Final Loan Application is Partial | 3 |
| | Note Document Indicator is Partial | 2 |
| | Transmittal Summary is Missing | 2 |
| | Underwriting FICO does not meet Guideline Minimum Required | 2 |
| | CoBorrower Employment Verification does not meet guidelines | 2 |
| | Borrower Income Verification is less than 12 months | 2 |
| | Transmittal Summary Indicator is Missing | 1 |
| | Final Loan Application is Missing | 1 |
| | CoBorrower Income Verification does not match Approval | 1 |
| | Borrower Employment Verification Level is missing | 1 |
| | Insufficient cash to close. | 1 |
| | Minimum Trade Line Requirement Not Met | 1 |
| | DTI exceeds Guideline Maximum Allowable | 1 |
| | Unresolved derogatory credit | 1 |
| | Loan is Qm and DTI exceeds 43% | 1 |
| | Appraisal date is greater than 120 days from Origination date | 1 |
| | Fully Executed Purchase Contract is Partial | 1 |
| | HAZARD INSURANCE CERTIFICATE MISSING | 1 |
| | ***Total Credit Grade (A) Exceptions:*** | ***208*** |
| B | Liquid Reserves are less than Guidelines Required | 9 |
| B | Housing history does not meet guidelines | 7 |
| B | Underwriting LTV exceeds Guideline Maximum Allowable | 4 |
| B | Underwriting CLTV exceeds Guideline Maximum Allowable | 3 |
| B | Minimum Trade Line Requirement Not Met | 3 |
| B | Borrower Income Verification is less than 12 months | 3 |
| B | Qualifying DTI exceeds Guideline Maximum Allowable | 2 |
| B | Borrower Income Verification does not match Approval | 2 |
| B | Borrower Liabilities Verification Indicator is Partial | 2 |
| B | Payment shock exceeds lender guidelines | 2 |
| B | Borrower credit report is greater than 60 days from the Note date | 2 |
| B | Length of housing history does not meet guidelines | 2 |
| B | Borrower Credit Report Indicator is Partial | 2 |
| B | Residual income does not meet guidelines. | 1 |
| B | Note Document Indicator is Partial | 1 |
| B | Underwriting FICO does not meet Guideline Minimum Required | 1 |
| B | Percentage of Downpayment from Borrower Own Funds is Zero | 1 |
| B | Borrower 2 credit report is greater than 60 days from Note date | 1 |
| B | Unresolved derogatory credit | 1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | Loan amount is greater than the maximum loan amount allowed per guidelines | 1 |
| | | Loan amount is less than the minimum required loan amount | 1 |
|  |  | ***Total Credit Grade (B) Exceptions:*** | ***51*** |
| Compliance | A | No Compliance Findings | 155 |
| Compliance | A | Consummation or Reimbursement Date Validation Test | 10 |
| Compliance | A | Reimbursement Amount Test | 10 |
| Compliance | A | Charges That Cannot Increase Test | 10 |
| Compliance | A | Initial Closing Disclosure Delivery Date Test | 5 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 4 |
| Compliance | A | Affiliated Business Disclosure is Missing | 3 |
| Compliance | A | Qualified Mortgage APR Threshold Finding | 2 |
| Compliance | A | eSigned Documents Consent is Missing | 2 |
| Compliance | A | TILA Right of Rescission Test | 2 |
| Compliance | A | Originator NMLS is Not Active | 2 |
| Compliance | A | Lender NMLS Status is Not Active | 2 |
| Compliance | A | Interest Rate Test | 1 |
| Compliance | A | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | 1 |
| Compliance | A | TILA Finance Charge Test | 1 |
| Compliance | A | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (12 CFR 1026.35(c)(6)) | 1 |
| Compliance | A | TRID Disclosure Delivery and Receipt Date Validation Test | 1 |
| Compliance | A | Higher-Priced Mortgage Loan Full Appraisal Not Provided (12 CFR 1026.35(c)(3)) | 1 |
| Compliance | A | Reimbursement Date Test | 1 |
| Compliance | A | Notice of Special Flood Hazards is Missing | 1 |
| Compliance | A | TILA Post-Consummation Revised Closing Disclosure APR Test | 1 |
| Compliance | A | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | 1 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 1 |
| Compliance | A | Homeownership Counseling Disclosure is Missing | 1 |
| Compliance | A | TX Constitution A6 Total Indebtedness Test | 1 |
| Compliance | A | High-Cost Mortgage Date the Rate Was Set Validation Test | 1 |
| Compliance | A | MD COMAR Higher-Priced Mortgage Loan Finding | 1 |
| Compliance | A | ***Total Compliance Grade (A) Exceptions:*** | ***222*** |
| Compliance | B | Higher-Priced Mortgage Loan | 40 |
| Compliance | B | Charges That Cannot Increase Test | 1 |
| Compliance | B | Consummation or Reimbursement Date Validation Test | 1 |
| Compliance | B | Reimbursement Date Test | 1 |
| Compliance | B | Revised Closing Disclosure Waiting Period Required Finding | 1 |
| Compliance | B | TILA APR Test | 1 |
| Compliance | B | TILA Finance Charge Test | 1 |
| Compliance | B | Lender Credits That Cannot Decrease Test | 1 |
| Compliance | B | Reimbursement Amount Test | 1 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | ***Total Compliance Grade (B) Exceptions:*** | ***48*** |
| Valuation | A | No Property Findings | 70 |
| Valuation | A | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | 26 |
| Valuation | A | Third Party Valuation Product Not Provided and CU Score is Greater Than 2.5 | 18 |
| Valuation | A | Third Party Valuation Product not Provided | 16 |
| Valuation | A | Third Party Second Field Review variance to appraised value exceeds 10% | 2 |
| Valuation | A | Title Issues Present | 1 |
| Valuation | A | Is Completion Certificate in file is No | 1 |
| Valuation | A | Property Survey Not Provided | 1 |
| Valuation | A | Third Party AVM to appraised value exceeds 10% allowable variance | 1 |
| Valuation | A | ***Total Valuation Grade (A) Exceptions:*** | ***136*** |
| Valuation | B | Appraisal guideline violation | 4 |
| Valuation | B | ***Total Valuation Grade (B) Exceptions:*** | ***4*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| | not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| D | There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.7

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.7**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 2023020033 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020033 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020022 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX. no risk |  |  | Per Lender Guidelines, not applicable as second appraisal in file. Exception cleared | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020022 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Per Lender Guidelines, not applicable as second appraisal in file. Exception cleared. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020022 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.; The borrower income verification does not match approval; XX NSFs counted in XX month period. Lender approved the exception citing the payment decrease of $XXX/mo and X years on the job as the compensating factors. | Client provided exception approval |  | Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020022 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient | Hazard insurance coverage of XXX.XX is not sufficient. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value of XXX.XX.; Hazard coverage of $X,XXX,XXX also has a XX% extension, bringing the total to $X,XXX,XXX which is sufficient to cover the replacement cost estimate of $X,XXX,XXX provided by the insurer. Exception cleared. |  |  | Hazard insurance coverage is XXX.XX, the subject loan amount is XXX.XX with the hazard insurance replacement coverage of Yes and estimated replacement value of XXX.XX. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020022 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020034 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020034 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020021 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020021 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020021 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020216 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020216 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020216 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided; Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided. Update. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020216 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material.; Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for Foreclosure/DIL/Short Sale of less than less than X years - pg XXX based on XX months verified reserves and LTV of XX.XXX%; Borrower(s) have not met the minimum tradeline requirement per lender guidelines. Exception was granted for Credit-Foreclosure/DIL/Short Sale. Please see Credit Risk Summary and Exception Pg XXX | Client provided exception approval | XXX |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020216 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020217 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020217 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020219 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX.; Per guidelines, Not Applicable as Loan amount is less than $XXX,XXX and FHLMC is Eligible. Exception cleared. | Per Lender G/L TPV not required | XXX |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020219 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020219 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020274 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. | Client provided exception approval |  | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Lender exception approved per AO Risk Summary page XXX- GL requires X months reserves; less than X months reserves approved by lender to equal X months reserves. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020274 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020275 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020275 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020224 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020279 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020279 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020273 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | Missing Initial CD from the file.<br>Also the Post Close CD in the file is missing information, therefore unable to test. Please provide another copy of the CD XX/XX/XX as well with the Initial CD; This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. | Clear during QC |  | This loan passed the initial closing disclosure delivery date test.(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation.; This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020273 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Change severity of 'Appraisal guideline violation' from Material to Non-Material.; Appraisal guideline violation: | Client provided exception approval |  | Change severity of 'Appraisal guideline violation' from Non-Material to Material.; Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Guidelines do not allow I/O for NOO property. Lender approved the exception citing FICO of XXX, Low DTI, Steady employment and reserves as compensating factors | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020273 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020230 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 2023020230 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Note Document Indicator is Partial | Note contains a prepayment penalty that is not disclosed on the Final CD.; Note document indicator is Partial |  |  | Note document indicator is Present | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D A |
| 2023020032 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines.; Please provide HOI & Tax Information for the following Properties: <br> XXX XXX - Tax Information<br> XXX XXX - HOI & Tax <br> XX XXX - HOI & Tax<br> XXX - HOI & Tax<br>|  |  | Housing delinquency meets guidelines. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020032 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020032 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Loan amount is greater than the maximum loan amount allowed per guidelines | Change status of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Active to Acknowledged by Client.; Approved Exception for B/S Program XX% exp ratio with >X employee and Loan amount exceeding max allowed of XM. Compensating factors: Fico XXX, no lates on Credit history, Housing ratio <XX% , LTV XX%, XXX Months reserves post closing (using C/O) and XX yrs + on same job. ; Change severity of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Material to Non-Material.; Loan amount of XXX.XX is greater than the maximum loan amount allowed per guidelines of XXX.XX. | Client provided exception approval |  | Change status of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Active to Acknowledged by Client.; Approved Exception for B/S Program XX% exp ratio with >X employee and Loan amount exceeding max allowed of XM. Compensating factors: Fico XXX, no lates on Credit history, Housing ratio <XX% , LTV XX%, XXX Months reserves post closing (using C/O) and XX yrs + on same job. ; Change severity of 'Loan amount is greater than the maximum loan amount allowed per guidelines' from Material to Non-Material.; Loan amount of XXX.XX is greater than the maximum loan amount allowed per guidelines of XXX.XX. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020215 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable. CU score is X.X. Exception cleared.; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | CU score is X.X. Exception cleared | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020215 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020215 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD dated X/XX/XXX is missing from the file, needed to complete testing. ; This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. |  |  | This loan passed the initial closing disclosure delivery date test.(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020283 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023020283 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Angel Oak Correspondent Bank Statement Program XX.X.XX dated matrix - Max DTI based on XX% LTV purchase on primary residence is XX%. Lender approved at XX..XXX%. Lender did not acknowledge/approve on the CRSE. | Received LOX - "While our Matrix has a max LTV of XX%, for Securitization purposes, we can go up to XX% without an exception. Please review and advise." Updating guideline DTI to XX% |  | Documentation provided to support Qualifying DTI below XX.XX. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023020283 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Per Lender G/L TPV not required |  | Per Lender Guidelines, not applicable. CU score is X.X. Exception cleared. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A C |
| 2023020277 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020277 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020221 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower X Income Verification is less than XX months |  |  | XXX | Borrower X Income Verification of XX.XX is greater than XX months. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020221 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. | Received initial CD dated X/XX/XXX. Updating loan accordingly. |  | This loan passed the initial closing disclosure delivery date test.(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation.; LOX received. We need a copy of the CD dated X/XX/XXX. Please provide. ; Per CD tracking Summary, missing CD dated X/XX/XXX. ; Initial CD dated X/XX/XXX, final CD dated X/XX/XXX, Borrower not provided required X days. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020278 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for payment shock over XXX% based on borrower paying rent but also has a mortgage on an investment property;payment shock not a concern. Employment XX years, Residual income $XXX.; Payment shock of XXX.XX exceeds the lender guidelines tolerance for payment shock. ; Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. | Client provided exception approval |  | Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client. Client provided a guideline exception allowing for payment shock over XXX% based on borrower paying rent but also has a mortgage on an investment property;payment shock not a concern. Employment XX years, Residual income $XXX.; Payment shock of XXX.XX exceeds the lender guidelines tolerance for payment shock. ; Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020278 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable. CU score is X.X. Exception cleared. |  |  | CU score is X.X. Exception cleared. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020278 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020035 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020035 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | it appears that the lender did not adjust the cash required to close after a second buyer backed out ot the transaction and took $XXX,XXX deposit out of the transaction; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of XXX.XX or $XXX.XX. | Received LOX on how the assets were calculated. The EMD amount of $XXX.XX was included in the required to close amount. The remainder of the assets left over after the EMD is $XXX. Updating the assets to include the EMD amount - clear exception. | Received LOX on how the assets were calculated. The EMD amount of $XXX.XX was included in the required to close amount. The remainder of the assets left over after the EMD is $XXX. Updating the assets to include the EMD amount - clear exception. | The liquid reserves of XX.XX months or $XXX.XX, is greater than or equal to the Guidelines minimum required of X.XX or $XXX.XX. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020220 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020220 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020276 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020276 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020222 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020222 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020223 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020223 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020225 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020225 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020225 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Asset Documents are Incomplete: assets in name of XXX and no documentation to verify members, status or ownership for borrower. Need operating agreement, standing certificate and member(s) and ownership documented. | Received copy of documentation from Secretary of State. Exception cleared. |  | The exception 'Asset Documents are Incomplete' is cleared. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020229 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | The initial CD issued X/XX/XXX, per the disclosure tracking summary, is missing from the file. ; This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. | Received Initial CD dated X/XX/XXX. Updating loan accordingly. |  | This loan passed the initial closing disclosure delivery date test.(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023020229 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within X days.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. |  |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within X days. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023020229 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023020227 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Per GL need XXX months rating housing history- CB rating current mtg X months- need XX months cancelled check or VOR for rental XXX XXXL; Housing history does not meet guidelines. | Received Bank Statements showing payments for rent for XX full months. Exception cleared. |  | Housing delinquency meets guidelines. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020227 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020226 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Underwriting LTV of XX.XX is greater than the maximum allowable guideline LTV of XX.XX based on a loan amount of XXX.XX and value used for LTV of XXX.XX.; Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for Cash-Out amount > $XXXK with maximum LTV of XX%. Qualifying score is XXX, DTI XX.XXX, same line of business XX years, residual income of $XX,XXX and XX months reserves. |  |  | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020226 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for Cash-Out amount > $XXXK with maximum CLTV of XX%. Actual XX%. Qualifying score is XXX, DTI XX.XXX, same line of business XX years, residual income of $XX,XXX and XX months reserves.<br> ; Underwriting CLTV of XX.XX is greater than the maximum allowable guideline CLTV of XX.XX. |  |  | Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing XX% LTV which is greater than maximum allowable guideline LTV based on no derogatory credit since XXX and seasoned lanlord. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020226 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020282 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020282 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020281 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Escrow account established, and appraisal receipt acknowledged within X days. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Escrow account established, and appraisal receipt acknowledged within X days. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020281 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020228 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020228 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020228 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020280 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Escrow account established and appraisal receipt acknowledged within X days. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020280 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020280 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial- lender approved exception for BK Chapter XX filing Case # XXX filied X/XX/XXX and discharged XX/XX/XXX- per GLs less than XX months seasoning from application date X/XX/XXX; GL states XX months from dismissal- in this case discharged XX/XX/XXX- X months from discharge of BK case per fraud report.; Change severity of 'Borrower Credit Report Indicator is Partial' from Material to Non-Material. |  |  | Change status of 'Borrower Credit Report Indicator is Partial' from Active to Acknowledged by Client.;<br> Borrower credit report indicator is Partial- lender approved exception for BK Chapter XX filing Case # XXX filied X/XX/XXX and discharged XX/XX/XXX- per GLs less than XX months seasoning from application date X/XX/XXX; GL states XX months from dismissal- in this case discharged XX/XX/XXX- X months from discharge of BK case per fraud report. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020280 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | no mortgage or rated mortgage on borrower's credit report; mortgage on title- missing letter to explain living rent free and/or if mortgage under another parties name and being paid by other party. | Received LOX with copies of Mortgage Statements and confirmed payments. Exception cleared. |  | Housing delinquency meets guidelines. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020023 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020023 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020036 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | Escrow account established, and appraisal receipt acknowledged within X days.; |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020036 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020036 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020284 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020284 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020284 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing delinquency meets guidelines.; Housing history does not meet guidelines. Per the applicable guidelines, the borrower must own a primary residence. According to the Final XXX, the borrower currently lease a property located in XXX. This evidence is supported by cancelled checks and a lease agreement from XXXl X, XXX thru XXX XX, XXX. Per the appraisal, the subject is tenanct occupied. | Received updated CRSE. Exception Type - Credit-Payment History (Housing). Guideline - Borrower must own a Primary Residence; Actual - Borrower currently rating. Rationale - Borrower currently rents primary. Borrower owns other Real Estate paid as agreed has homeownership history. Compensating Factors : Qualifying Credit Score is XXX; X% (Housing)//X% (Total); Payment decreasing by XXX; Reserves of XX.XX Months; Residual Income of $X. Acknowledged by client. | Received updated CRSE. Exception Type - Credit-Payment History (Housing). Guideline - Borrower must own a Primary Residence; Actual - Borrower currently rating. Rationale - Borrower currently rents primary. Borrower owns other Real Estate paid as agreed has homeownership history. Compensating Factors : Qualifying Credit Score is XXX; X% (Housing)//X% (Total); Payment decreasing by XXX; Reserves of XX.XX Months; Residual Income of $X. Acknowledged by client. | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Received updated CRSE. Exception Type - Credit-Payment History (Housing). Guideline - Borrower must own a Primary Residence; Actual - Borrower currently renting. Rationale - Borrower currently rents primary. Borrower owns other Real Estate paid as agreed. has homeownership history. Compensating Factors : Qualifying Credit Score is XXX; X% (Housing)//X% (Total); Payment decreasing by XXX; Reserves of XX.XX Months; Residual Income of $X. Acknowledged by Client. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020233 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years A C |
| 2023020233 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years A C |
| 2023020233 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years A C |
| 2023020024 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Lender NMLS Status is Not Active | The lender NMLS status is Not Active;  | Licensing Extended. Ability to conduct business intact. |  | The lender NMLS status is Active | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020292 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 2023020292 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 2023020292 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. A |
| 2023020025 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020025 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | TILA APR Test | This loan failed the TILA APR test.<br> (XX CFR §XXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X)) <br> The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method.; Compliance Review - condition cleared with post close PCCD and refund for tolerance cures. ; PCCD, LOE, proof of refund, and proof of delivery provided. |  |  | This loan passed the TILA APR test due to one or more of the following findings:<br> (XX CFR §XXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X)) The disclosed annual percentage rate (APR) of X.XXX% is considered accurate because it is not more than X/X of X percentage point above or below the APR of X.XXX% as determined in accordance with the actuarial method; orThe disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate under §XXX.XX(d)(X) (the finance charge test), or for purposes of rescission the disclosed finance charge is considered accurate under §XXX.XX(g) or (h) (the rescission finance charge test or the foreclosure rescission finance charge test), whichever applies. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | TILA Finance Charge Test | This loan failed the TILA finance charge test.(XX CFR §XXX.XX(o)(X))The finance charge is $X,XXX,XXX.XX. The disclosed finance charge of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX.; Client can cure the overage and submit evidence of cure. Evidence of cure would be a PCCD, LOE, copy of refund check and proof of mailing. ; Compliance Review - condition cleared with post close PCCD and refund for tolerance cures. ; PCCD, LOE, proof of refund, and proof of delivery provided. |  |  | This loan passed the TILA finance charge test.(XX CFR §XXX.XX(o)(X))The finance charge is $X,XXX,XXX.XX. The disclosed finance charge of $X,XXX,XXX.XX is considered accurate because:It is understated by no more than $XXX; orIt is greater than the amount required to be disclosed. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX |  | XX/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | Revised Closing Disclosure Waiting Period Required Finding | Revised Closing Disclosure Waiting Period Required Finding (XX CFR §XXX.XX(f)(X)(ii))The loan requires a new waiting period due to one of the following findings:The loan's APR has become inaccurate; orThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has changed or the features (negative amortization, interest only, or a balloon payment) on the loan have changed; orA prepayment penalty was added.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXX.XX(o)(X) becomes inaccurate, as defined in §XXX.XX.(B) The loan product is changed, causing the information disclosed under §XXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXX.XX(b) to become inaccurate.; Compliance Review - condition cleared with post close PCCD and refund for tolerance cures. |  |  | Revised Closing Disclosure Waiting Period Required Finding (XX CFR §XXX.XX(f)(X)(ii))The loan does not require a new waiting period due to all of the following findings:The loan's APR has not become inaccurate, andThe loan product, indicated in ComplianceAnalyzer by the Program Type drop down, has not changed and the features (negative amortization, interest only, or a balloon payment) have not changed; andA prepayment penalty was not added.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §XXX.XX(f)(X)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §XXX.XX(f)(X)(ii)(A):(A) The annual percentage rate disclosed under §XXX.XX(o)(X) becomes inaccurate, as defined in §XXX.XX.(B) The loan product is changed, causing the information disclosed under §XXX.XX(a)(X)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §XXX.XX(b) to become inaccurate. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | Compliance Review - condition cleared with post close PCCD and refund for tolerance cures. |  | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | XX/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Date Test | This loan failed the reimbursement date test. (XX CFR §XXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | Compliance Review - condition cleared with post close PCCD and refund for tolerance cures. |  | This loan passed the reimbursement date test. (XX CFR §XXX.XX(f)(X)(v))The reimbursement date is not more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | XX/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | This loan failed the TILA finance charge test.(XX CFR §XXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $X,XXX,XXX.XX. The disclosed finance charge of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. | Compliance Review - condition cleared with post close PCCD and refund for tolerance cures. |  | This loan passed the TILA finance charge test.(XX CFR §XXX.XX(d)(X) , transferred from XX CFR §XXX.XX(d)(X))The finance charge is $X,XXX,XXX.XX.The disclosed finance charge of $X,XXX,XXX.XX is considered accurate because:It is understated by no more than $XXX; orIt is greater than the amount required to be disclosed. | XX/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020290 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Post-Consummation Revised Closing Disclosure APR Test | This loan failed the TILA APR test. (XX CFR §XXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The annual percentage rate (APR) is X.XXX%. The disclosed APR of X.XXX% is not considered accurate because it is more than X/X of X percentage point above or below the APR as determined in accordance with the actuarial method. | Compliance Review - condition cleared with post close PCCD and refund for tolerance cures. |  | This loan passed the TILA APR test due to one or more of the following findings: (XX CFR §XXX.XX(a)(X), (X) , transferred from XX CFR §XXX.XX(a)(X), (X))The disclosed annual percentage rate (APR) of X.XXX% is considered accurate because it is not more than X/X of X percentage point above or below the APR of X.XXX% as determined in accordance with the actuarial method; orThe disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate under §XXX.XX(d)(X) (the finance charge test), or for purposes of rescission the disclosed finance charge is considered accurate under §XXX.XX(g) or (h) (the rescission finance charge test or the foreclosure rescission finance charge test), whichever applies. | XX/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020232 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within X days.; | XXX |  | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020232 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020232 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020232 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Lender NMLS Status is Not Active | The lender NMLS status is Not Active. Per NMLS, Lender is renewed through XXX. Updated status is required. ; The lender NMLS status is Not Active. Lender was active in Florida through XXX but the loan closed in XXX |  |  | The lender NMLS status is Active; The lender NMLS status is Active | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020232 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Finance Charge Test | The finance charge is $X,XXX,XXX.XX. The disclosed finance charge on the Final CD is $X,XXX,XXX.XX. This is not considered accurate because it is understated by $XXX.XX.<br>Missing Breakdown of finance charges from the file; This loan failed the TILA finance charge test.(XX CFR §XXX.XX(o)(X))The finance charge is $X,XXX,XXX.XX. The disclosed finance charge of $X,XXX,XXX.XX is not considered accurate because it is understated by more than $XXX. | The finance charge is $X,XXX,XXX.XX. The disclosed finance charge on the Final CD is $X,XXX,XXX.XX. This is not considered accurate because it is understated by $XXX.XX. Missing breakdown of finance charges from the file. | The finance charge is $X,XXX,XXX.XX. The disclosed finance charge on the Final CD is $X,XXX,XXX.XX. This is not considered accurate because it is understated by $XXX.XX. Missing breakdown of finance charges from the file. | This loan passed the TILA finance charge test.(XX CFR §XXX.XX(o)(X))The finance charge is $X,XXX,XXX.XX. The disclosed finance charge of $X,XXX,XXX.XX is considered accurate because:It is understated by no more than $XXX; orIt is greater than the amount required to be disclosed. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020037 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Underwriting LTV of XX.XX is greater than the maximum allowable guideline LTV of XX.XX based on a loan amount of XXX.XX and value used for LTV of XXX.XX.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing XX% LTV which is greater than maximum allowable guideline LTV based on no derogatory credit since XXX and seasoned lanlord. |  |  | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Underwriting LTV of XX.XX is greater than the maximum allowable guideline LTV of XX.XX based on a loan amount of XXX.XX and value used for LTV of XXX.XX.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client. | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023020037 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing XX% LTV which is greater than maximum allowable guideline LTV based on no derogatory credit since XXX and seasoned lanlord.; Underwriting CLTV of XX.XX is greater than the maximum allowable guideline CLTV of XX.XX. |  |  | Client provided guidelines exception allowing XX% LTV which is greater than maximum allowable guideline LTV based on no derogatory credit since XXX and seasoned lanlord.; Underwriting CLTV of XX.XX is greater than the maximum allowable guideline CLTV of XX.XX. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023020037 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Appraisal guideline violation: ; Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing less than XXX Sqft of living area based on no derogatory credit since XXX and seasoned lanlord.; Change severity of 'Appraisal guideline violation' from Material to Non-Material. |  |  | Client provided guidelines exception allowing less than XXX Sqft of living area based on no derogatory credit since XXX and seasoned lanlord.; Change severity of 'Appraisal guideline violation' from Material to Non-Material. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023020037 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. D B A |
| 2023020285 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX |  | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020285 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020285 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | The transmittal summary is Missing | Received final XXX. Reviewed calculations - DTI is off due to increase in liabilities. Within guidelines - exception cleared. | XXX | The transmittal summary is Present | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020231 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Escrow account established, and appraisal receipt acknowledged within X days. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020231 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for less than X months reserves based on qualifying credit score of XXX, residual income of $XXX & being employed for over XX years in the same business; Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX. |  |  | Client provided a guideline exception allowing for less than X months reserves based on qualifying credit score of XXX, residual income of $XXX & being employed for over XX years in the same business; Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020231 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020038 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate by X.X% or more. | Escrow account established, and appraisal receipt acknowledged within X days. | XXX |  | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020038 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. | Approved Exception for Housing history not meeting requirements. Lives rent free. Compensating factors: No derog credit back to XXX and XX% LTV, program max is XX%. | XXX |  | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020038 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020038 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final Loan Application is Partial; Final XXX states former address of XXX XXX borrower owned for X.X yrs, however, section Xa states borrower has had no property ownership in the last X yrs. | Received LOX - "The borrower's explanation of this address is that it was her ex marital home from XXX-XXX. She may have thought she owned it but per the Site X that is not the case (ex-owns). This is more a case of living with someone without expense. She was not on the title nor any mortgage for this property so her assessment that she had no property ownership in the last X years is correct." Exception cleared. ; Final XXX states former address of XXX XXX borrower owned for X.X yrs, however, section Xa states borrower has had no property ownership in the last X yrs. | XXX | Final Loan Application is Present | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020288 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Escrow account established, and appraisal receipt acknowledged within X days. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020288 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020291 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020291 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020291 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval. Approved as a XX month business bank statement doc type, the lender only provided XX months of income. | Received updated XXX, XXX, and Income Calculation. Verified amounts - exception cleared. <br> X/X/XXX: Received Bank Statement Quick Calc, updated XXX, XXX, CRSE, and bank statements.;<br> The revised Bank Statement Quick Calc has the wrong deposit amount for June XXX it shows $XX,XXX.XX and should reflect $XX,XXX.XX.; Need corrected Bank Statement Quick Calc. |  | The borrower income verification does match approval; X/X/XXX: Received Bank Statement Quick Calc, updated XXX, XXX, CRSE, and bank statements.;<br> The revised Bank Statement Quick Calc has the wrong deposit amount for XXX XXX it shows $XX,XXX.XX and should reflect $XX,XXX.XX. ;<br> ;<br> Need corrected Bank Statement Quick Calc. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020286 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML Loan with established escrows and appraisal received, downgraded to a B.; |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020286 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020286 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX. |  |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.;<br> Client provided a guideline exception allowing for reserves exception. Qualifying credit score XXX, DTI XX.XXX (housing ratio) or XX.XXX, same line of work XX years, residual income of $XX,XXX. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020287 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | XXX account established, and appraisal receipt acknowledged within X days. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020287 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020287 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | final XXX incomplete- missing years in home; based on subject property report property deeded to borrower XX/X/XXX. Lender to provide an updated corrected XXX; Final Loan Application is Partial | Received updated final XXX showing years in home. Updating loan accordingly. |  | Final Loan Application is Present | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020287 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX.XX is not sufficent. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Received updated Insurance Policy showing Coverage listed as $XXX,XXX | XXX |  | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020289 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020289 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Originator NMLS is Not Active | The originator NMLS status is Not Active and not authorized to conduct business in XXX | Received LOX from client. Client contacted the originator and their director provided an email response. Originator is covered under XXX account and XXX is covered and active in XX states including HI. Exception cleared. <br> Received documentation showing "Authorized to Conduct Business" but the license for HI is expired. |  | The originator NMLS status is Active | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020236 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML Loan with established escrow and appraisal received, downgrade to a B.; | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020236 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of XX.XX or $XXX.XX.; <br> Client provided a guideline exception allowing for reserves equal to less than X months based on qualifying credit score of XXX, borrower being in business X years and low DTI of XX.XXX%. Reserves must come from borrower's own personal funds. The reserves are all from the borrower's business. |  |  | Client provided a guideline exception allowing for reserves equal to less than X months based on qualifying credit score of XXX, borrower being in business X years and low DTI of XX.XXX%. Reserves must come from borrower's own personal funds. The reserves are all from the borrower's business. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020236 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020236 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Percentage of Downpayment from Borrower Own Funds is Zero | The percentage of downpayment from borrower own funds is X.XX | received CRSE - acknowledging exception |  | Change severity of 'Percentage of Downpayment from Borrower Own Funds is Zero' from Material to Non-Material.; Change status of 'Percentage of Downpayment from Borrower Own Funds is Zero' from Active to Acknowledged by Client.;<br> Received CRSE - Documentation missing - The percentage of downpayment from borrower own funds is X.XX. Compensating Factors : Qualifying Credit Score is XXX; XX.XXX% (Housing Ratio) or XX.XXX% (Total); Residual Income of $XXX; Borrower with same Employer/Business for X years. Acknowledged by client. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020236 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | The file does not contain any housing histor for the last XX months. The borrower indicated they have been renting the current residence for X year and did not list a housing expense. The file does not contain any rental history and guidelines require XX months reserves or XX% borrower contribution if living rent free. The borrower does not have enough reserves or contribution to meet the rent free guidelines; Housing history does not meet guidelines. | received CRSE - acknowleding exception |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.;<br> Received CRSE - Housing History requirements not met. Exception - The file does not contain any housing history for the last XX months. Compensating Factors : Qualifying Credit Score is XXX; XX.XXX% (Housing Ratio) or XX.XXX% (Total); Residual Income of $XXX; Borrower with same Employer/Business for X years. Acknowledged by client. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020235 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020235 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020298 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification does not match Approval | Change status of 'Borrower Income Verification does not match Approval' from Active to Acknowledged by Client.<br> Client provided guideline exception allowing for Borrower employment history - years on current job zero based on XXX FICO, X.XXX%/XX.XXX% DTI and XX months verified reserves.; Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material.; Borrower has not been on job a full month. |  |  | Client provided guideline exception allowing for Borrower employment history - years on current job zero based on XXX FICO, X.XXX%/XX.XXX% DTI and XX months verified reserves.; Change severity of 'Borrower Income Verification does not match Approval' from Material to Non-Material.; Borrower has not been on job a full month. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020298 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020298 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020298 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Income Verification is less than XX months | Borrower Income Verification of X.XX is less than XX months. | Received WVOE dated XX/XX/XX to cure. |  | Change status of 'Borrower Income Verification is less than XX months' from Active to Acknowledged by Client.;<br> Client provided guideline exception allowing for Borrower employment history - years on current job zero based on XXX FICO, X.XXX%/XX.XXX% DTI and XX months verified reserves.; Change severity of 'Borrower Income Verification is less than XX months' from Material to Non-Material. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020298 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification Level is missing | The borrower employment verification level is Missing; Please provide the VVOE for borrower. Per guidelines this is required when borrower recently started new job. Job offer letter not executed by Borrower. Please provide executed job offer letter and VVOE. | Received WVOE dated XX/XX/XX to cure. |  | The borrower employment verification level is Level X - Verified-direct independent verif w/Xrd party | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020297 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML Loan with established escrows and appraisal received, downgraded to a B. ; |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.;; | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020297 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020297 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020295 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020295 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020295 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020237 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020237 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020237 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020237 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020296 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020296 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020296 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020294 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XXX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020294 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XXX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020294 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XXX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020293 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. ; Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing revolving accounts not closed based on qualifing FICO score of XXX, XX.XXX%/XX.XXX% DTI, XX years employment stability, XX months verified reserves, residual income of $XXX and credit history of X\*XX - last XX months.; Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. |  |  | Client provided guidelines exception allowing revolving accounts not closed based on qualifing FICO score of XXX, XX.XXX%/XX.XXX% DTI, XX years employment stability, XX months verified reserves, residual income of $XXX and credit history of X\*XX - last XX months.; Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020293 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020293 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020042 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Loan is HPML. Appraisal/escrow requirements met. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020042 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020042 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020039 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Escrow account established and appraisal receipt acknowledged within X days. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020039 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020039 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020026 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML loan with establised escrows and appraisal requirements met. Downgraded to a B. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020026 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020026 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020044 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | HPML loan with established escrows and appraisal requirements met. Downgraded to a B. |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020044 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020044 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Please provide HOI, Tax and HOA (If applicable) for the following properties: <br> XXX XXX Unit XXX<br> XXX XXXt (New Purchase, Lender XXX #XXX) ; Borrower liabilities verified indicator is Partial | Received final CD for XXX and Mortgage Status/Payment Confirmation for XXX. Confirmed calculations - exception cleared. |  | Borrower liabilities verified indicator is Present | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020028 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for tradeline requirement not met, using XX month rent history for X tradeline. XX% LTVm program max is XX%, Less than XX% payment shock.; Credit tradeline requirements not met.; Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. |  |  | Client provided a guideline exception allowing for tradeline requirement not met, using XX month rent history for X tradeline. XX% LTVm program max is XX%, Less than XX% payment shock.; Credit tradeline requirements not met.; Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020028 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020029 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020029 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XX.XX exceeds guideline maximum of XX.XX. Borrower was qualified using $XX,XXX.XX/month, $XX,XXX base and $X,XXX.XX Bonus, per Lender worksheet in file Bonus income reflects $X,XXX.XX/mo resulting in DTI of XX.XXX%. | Received LOX - per guidelines, Max DTI is XX%. Exception cleared. |  | Documentation provided to support Qualifying DTI below XX.XX. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020029 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TX Constitution AX Total Indebtedness Test | This loan failed the total indebtedness test due to one of the following findings:<br> (Texas Constitution, Article XX, Section XX (a)(X)(B), as amended XXX. XXX)The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made.No CLTV ratio was provided. For TX Constitution AX this information is required to determine if the loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead exceeds XX% of the fair market value of the homestead on the date the extension of credit is made. |  |  | This loan passed the total indebtedness test.<br> (Texas Constitution, Article XX, Section XX (a)(X)(B), as amended Sept. XXX)<br> The loan is of a principal amount that when added to the total of all outstanding principal balances secured by valid liens against the homestead does not exceed XX% of the fair market value of the homestead on the date the extension of credit is made. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020305 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material.; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.<br> Approved Exception for LTV exceeds max allowed of XX%. Compensating Factors: Qualifying Credit score is XXX, Ratios X.XXX%-XX.XXX% Total, Same business for XX years and XXX - last XX months. ; Lender exception in file allowing XX% LTV due to strong fico and long time owning multiple properties. |  |  | Approved Exception for LTV exceeds max allowed of XX%. Compensating Factors: Qualifying Credit score is XXX, Ratios X.XXX%-XX.XXX% Total, Same business for XX years and XXX - last XX months. ; Lender exception in file allowing XX% LTV due to strong fico and long time owning multiple properties. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020305 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020305 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020303 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; HPML loan with established escrow and appraisal received. Downgraded to a B | HPML with established escrows and appraisal requirements met |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | X/XX/XXX | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020303 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020303 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020243 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX. | Received loe and supporting docs that a second review is not required for LTV less than XX%. Exception cleared. |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020243 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Received loe and supporting docs that a second review is not required for LTV less than XX%. Exception cleared. |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020243 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020243 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. | Received loe and supporting docs that a second review is not required for LTV less than XX%. Exception cleared. |  | Third Party Valuation Product Provided | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020201 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020201 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower X Income Verification is less than XX months | Change severity of 'Borrower X Income Verification is less than XX months' from Material to Non-Material.; Borrower X Income Verification of X.XX is less than XX months. |  |  | Borrower X Income Verification of ___ is greater than XX months. Correction. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020201 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Note Document Indicator is Partial | Note document indicator is Partial. LLC is only one Borrower. | Client provided guideline exception allowing for LLC being in only one Borrower name based on XXX FICO, no lates in credit history and XX months of reserves. |  | Change severity of 'Note Document Indicator is Partial' from Material to Non-Material.; Client provided guideline exception allowing for LLC being in only one Borrower name based on XXX FICO, no lates in credit history and XX months of reserves.; Change status of 'Note Document Indicator is Partial' from Active to Acknowledged by Client. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020201 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Income Verification is less than XX months | Change severity of 'Borrower Income Verification is less than XX months' from Material to Non-Material.; Borrower Income Verification of X.XX is less than XX months. No income was considered for qualifying purposes. |  |  | Income Verification of ___ is greater than XX months. Correction. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020201 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | CU Score is X.XX. SSR score is not applicable/removed. | XXX | Third Party Valuation Product Provided. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020201 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. | CU Score is X.XX. SSR score is not applicable/removed. |  | Third Party Valuation Product Provided. CU Score is X.XX. SSR score is not applicable/removed. ; CU Score is X.XX. SSR score is not applicable/removed. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020027 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have not met the minimum tradeline requirement per lender guidelines. ; Change severity of 'Minimum Trade Line Requirement Not Met' from Material to Non-Material.; Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing XX missed payments due to COVID forbearance based on FICO score of XXX, DTI Change status of 'Minimum Trade Line Requirement Not Met' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing XX missed payments due to COVID forbearance based on FICO score of XXX, DTI X/XX/XXX Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. C B C B C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A |  |  |  |  |  |
| 2023020027 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020027 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; Final CD indicates addition of service charges of $XXX and increase in Tax Service without valid COC. Please provide valid COC or cure. Cure requires PCCD, Letter of explanation, copy of refund check and proof of mailing. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020043 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML loan with establised escrows and appraisal requirements met. Downgraded to a B. |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020043 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020043 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020043 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020043 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). |  |  | This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020043 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020045 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of X.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020045 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of X.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020045 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | The imaged CPA letter in file is outdated, dated X/XX/XXX; lender to provide an updated CPA letter from XXX Tax Service and Consulting. | Received LOX from Senior Processor with copy of Business search - Processor confirmed contact with CPA and employment is active. Exception cleared. |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of X.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020045 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | Letter from CPA is dated May XX, XXX. Please provide a current/correctly dated CPA letter. | Received LOX from Senior Processor with copy of Business search - Processor confirmed contact with CPA and employment is active. Exception cleared. |  | The exception 'CoBorrower Employment Verification does not meet guidelines' is cleared. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of X.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020040 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020040 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020040 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020245 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML Compliant loan; confirmed appraisal delivery/escrow requirements met.; |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020245 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Title Issues Present | The following issues were noted: Title- page XXX- seller state tax lien page XXX IAO $XX,XXX.XX; not on CD to be paid off; need final title to verify paid in full and removed from final title to ensure lender XXX lien position. | Copy of Final XXX Statement showing lien paid off was provided. Verified - confirmed. Exception cleared. |  | The exception 'Title Issues Present' is cleared. | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020304 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020304 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | per appraisal page page XXX- this is a non-arm's length transaction as the buyer and seller are friends. Per GLs- non arm's length transaction ineligible. No exception in file for non-arm's length transaction and ineligible transaction. | Received CRSE - acknowleding exception. |  | Change severity of 'Appraisal guideline violation' from Material to Non-Material.; Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.;<br> Received updated CRSE : Exception Type:Borrower-Non-Arm's Length Transaction. Guideline - Non-arm's length transactions are not allowed. Actual - Non-Arm's length transactions per Appraiser. Rationale - Score exceeds req'd and residual income. Compensating Factors : Qualifying Credit Score is XXX; Borr with employer for XX+ years; Reserves of X.XX months; REsidual Income of $XXX.XX. Acknowledged by client. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020241 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023020241 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023020241 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023020247 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020247 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020247 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020239 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | HPML Loan with established escrows and appraisal received, downgraded to a B. | XXX |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020239 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Property | Appraisal guideline violation | Change severity of 'Appraisal guideline violation' from Material to Non-Material.; Change status of 'Appraisal guideline violation' from Active to Acknowledged by Client.<br> Client provided guidelines exception allowing ineligible condo project with XX% sold and closed based on qualifying FICO score of XXX, XX.XXX%/XX.XXX% DTI, residual income of $XXX and X\*XX - last XX months.; Appraisal guideline violation: New Condo XX% sold and closed |  |  | Client provided guidelines exception allowing ineligible condo project with XX% sold and closed based on qualifying FICO score of XXX, XX.XXX%/XX.XXX% DTI, residual income of $XXX and X\*XX - last XX months. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020239 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020310 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020310 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020310 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020311 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020311 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020311 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Partial | Final XXX reflects Self-Employed start date as X.XX.XXX (less than X yrs) however Articale of Origination state Business was incorporated on XXX XX, XXX and XX Month Business Bank Statement provided. ; Final Loan Application is Partial |  |  | Final Loan Application is Present | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020312 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020312 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020312 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020244 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML loan with established escrow and appraisal received. Downgraded to a B; | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020244 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020244 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020250 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020250 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020250 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Lender Approval dated XX/XX/XXX page XXX requires a CPA letter confirming percentage of ownership. No CPA letter found in file for XXX LLC. | Received LOX - We have a business questionnaire, and this is a XX month bank statement loan - a CPA letter is not a requirement. Reviewed guidelines - confirmed. Exception cleared. |  | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020250 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Employment Verification does not meet guidelines | Lender Approval dated XX/XX/XXX page XXX requires a CPA letter confirming percentage of ownership. No CPA letter found in file for XXX LLC. | Received LOX - We have a business questionnaire, and this is a XX month bank statement loan - a CPA letter is not a requirement. Reviewed guidelines - confirmed. Exception cleared. |  | The exception 'CoBorrower Employment Verification does not meet guidelines' is cleared. | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020251 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020251 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020251 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020302 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020302 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020302 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. The file is missing documentation to determine the property taxes on the XXX XXX property listed on the application. The lender included the mortgage payment in debts but the ALTA statement provided shows only the flood insurance as being impouded. | Received LOX with supporting documentation. The tax and HOI Policy calculations were provided and updated accordingly. Exception cleared. |  | Borrower liabilities verified indicator is Present | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020302 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX.XX is not sufficent. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value from XXX company was not provided. | The state of XXX enacted a statue effective X/XXX that does not allow the insurance company to disclose guiaranteed replacement coverage or the replacement cost estimator. Exception cleared. |  | Hazard insurance coverage is sufficient. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020301 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML Loan with established escrows and appraisal received, downgraded to a B. ; |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020301 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020301 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX.XX exceeds the lender guidelines tolerance for payment shock. Max XXX% per INV BS Matrix XX/XX/XXX. | Per guidelines, Payment shock is calculated as new loan housing expense / present housing and then - X. Based on that formula the payment shock will be X.XXX. Borrower is not a first-time homebuyer so max payment shock is XXX. Exception cleared. | Per guidelines, Payment shock is calculated as new loan housing expense / present housing and then - X. Based on that formula the payment shock will be X.XXX. Borrower is not a first-time homebuyer so max payment shock is XXX. Exception cleared. | Payment shock of XXX.XX does not exceed the lender guidelines tolerance for payment shock. | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020246 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020246 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020246 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | The borrower income verification does not match approval; Please provide CPA Letter confirming percentage of ownership and expense factor. | Received business documents showing validity of the company. CPA letter is not required if search documents are provided. Exception cleared. |  | The borrower income verification does match approval | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020300 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | HPML Loan with established escrow and appraisal received. Downgraded to a B | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020300 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020300 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020242 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | MD COMAR Higher-Priced Mortgage Loan Finding | This loan is a higher-priced mortgage loan. (XXX XXX XX.XX.XX.XXB(XX) , XXX XX.XX.XX.XXB(X))<br> The loan is a higher-priced mortgage loan as defined in the Code of Maryland Regulations (XXX) due the following findings:<br> The loan is a closed-end loan with a closing date, or date creditor received application (formerly application date) if closing date is unknown, on or after the effective date of XX/XX/XXX; andThe loan is a first lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.<br> For information on higher-priced mortgage loans, please see the XXX XXX Higher-Priced Mortgage Loan Alerts below. | HPML allowed per guidelines - confirmed compliant with regulatory requirements. |  | Change status of 'MD COMAR Higher-Priced Mortgage Loan Finding' from Active to Cured Post Close.;<br> ; Change severity of 'MD COMAR Higher-Priced Mortgage Loan Finding' from Material to Non-Material. Hpml loan meets appraisal/ escrow requirements. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020242 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020242 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020307 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020307 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020307 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Payment shock exceeds lender guidelines | Lender's guidelines require a maximum payment shock of XXX%. The borrower's previous housing payment was $X,XXX.XX and the borrower's new housing payment is $X,XXX.XX which is a XXX.XXX% change from the previous payment; Payment shock of XXX.XXX% exceeds the lender guidelines tolerance for payment shock. | Received CRSE for payment shock over XXX% guideline at XXX.XXX%. Compensating factors: XXX FICO. XX.XXX/XX.XXX% DTI. XX.XX months reserves. Residual income $XX,XXX.<br> The borrower's previous housing payment was $XXX.XX and the borrower's new housing payment is $XXX.XX. |  | Change severity of 'Payment shock exceeds lender guidelines' from Material to Non-Material.; Change status of 'Payment shock exceeds lender guidelines' from Active to Acknowledged by Client.;<br> XX/XX/XX: Received CRSE for payment shock over XXX% guideline at XXX.XXX%. Compensating factors: XXX FICO. XX.XXX/XX.XXX% DTI. XX.XX months reserves. Residual income $XX,XXX. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020309 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | HPML Informational: Escrows and Appraisal requirements met. ; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX |  |  | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020309 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX.; Change status of 'Underwriting FICO does not meet Guideline Minimum Required' from Active to Acknowledged by Client.<br> I/O requires XXX minimum credit score. Lender approved exception at XXX citing XX years with employer, XX months reserves, residual income of $XX,XXX/mo and XXX credit history as compensating factors.; Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material. |  |  | Lender approved exception at XXX citing XX years with employer, XX months reserves, residual income of $XX,XXX/mo and XXX credit history as compensating factors.; Change severity of 'Underwriting FICO does not meet Guideline Minimum Required' from Material to Non-Material. | X/XX/XXX | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020309 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020249 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020249 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020249 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | Missing wire recceipt or evidence of certified funds for $XX,XXX and $XX,XXX reflected on the final settlement, this amount is the total shown on the final CD of $XX,XXX. | Received copy of Disbursement Worksheet showing funds in the amount of $XXX.XX and $XXX.XX cleared. Exception cleared. |  | Received copy of Disbursement Worksheet showing funds in the maount of $XXX.XX and $XXX.XX cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020240 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020240 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020240 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020306 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML loan with established escrow and appraisal received; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. Loan is HPML. Escrow/Appraisal requirements have been met.; |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020306 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020306 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020046 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020046 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020046 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | E-Recording Fee X.XX added on Final CD, no coc of proof a refund was issued; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | Received loe explaining that the recording service fee did not exceed the XX% tolerance and is part of the XX% tolerance. Exception cleared. |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020046 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; The file is missing the COC dated X.XX.XXX for the Recording Fee in the amount of $X.XX | Received loe explaining that the recording service fee did not exceed the XX% tolerance and is part of the XX% tolerance. Exception cleared. |  | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020046 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; The file is missing the COC dated X.XX.XXX for the Recording Fee in the amount of $X.XX | Received loe explaining that the recording service fee did not exceed the XX% tolerance and is part of the XX% tolerance. Exception cleared. |  | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020314 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | HPML loan with established escrows and appraisal requirements have been met. ; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020314 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020314 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020316 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020316 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020318 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020318 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020318 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020258 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020258 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020258 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX.XX is not sufficent. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | Received LOX from insurance company confirming the coverage includes Replacement Cost. Exception cleared. <br> Received State of XXX exception. Since the insruance coverage is less thatn the Appraisal RCE and the loan exceeds the coveage amount, exception stands. |  | Hazard insurance coverage is sufficient.; XX/XX/XX: The XXX enacted a statute effective X/XXX that does not allow the insurance company to disclose guaranteed replacement coverage or the replacement cost estimator. Hazard Insurance Coverage Not Sufficient: Received XXX statute to cure exception. Since the insurance coverage is less than the Appraisal RCE and the loan exceeds the coverage amount, exception stands. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020315 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; | HPML loan with established escrow and met appraisal requirements. | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020315 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Loan amount is less than the minimum required loan amount | Change status of 'Loan amount is less than the minimum required loan amount' from Active to Acknowledged by Client.<br> Client provided a guideline exception allowing for Loan amount of $XXXK, Min Loan Amount is $XXXk. <br> DTI X.XXX(Housing Ratio) or XX.XXX% (total); Borrower with same Employer/Business for XX years; Aualifying Payment shock is XX.XX%; Verified reserves XX months; Residual income of $XX,XXX. ; Change severity of 'Loan amount is less than the minimum required loan amount' from Material to Non-Material.; Loan amount of XXX.XX is greater than or equal to the minimum required loan amount of XXX.XX. ; Loan amount of XXX.XX is less than the minimum required loan amount of XXX.XX. |  |  | Client provided a guideline exception allowing for Loan amount of $XXXK, Min Loan Amount is $XXXk. <br> DTI X.XXX(Housing Ratio) or XX.XXX% (total); Borrower with same Employer/Business for XX years; Aualifying Payment shock is XX.XX%; Verified reserves XX months; Residual income of $XX,XXX. ; Change severity of 'Loan amount is less than the minimum required loan amount' from Material to Non-Material.; Loan amount of XXX.XX is greater than or equal to the minimum required loan amount of XXX.XX. ; Loan amount of XXX.XX is less than the minimum required loan amount of XXX.XX. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020315 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020320 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020320 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020320 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020255 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020255 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020255 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020319 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | HPML loan with established escrow and met appraisal requirements. | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020319 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Client provided a guideline exception allowing for XX months housing history based on XX.XXX% DTi and FICO XXX..; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Housing history does not meet guidelines. |  |  | Client provided a guideline exception allowing for XX months housing history based on XX.XXX% DTi and FICO XXX..; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Housing history does not meet guidelines. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020319 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX.XX is not sufficent. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. |  |  | Sufficent hazard insurance documented. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020319 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020319 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Lender GLs XX.X.X.X Personal Bank Statements Qualifying income : All parties on the bank statements must be on the loan.<br>Personal Bank Statements used to qualify the borrower have an additional person listed on them, who is not on the loan. | Received LOX - ITF is In Trust For - I.E. Beneficiary, Payable on Death. The other personal only has access to them upon the death of our applicant making these asset statements acceptable for the program. Exception cleared. | Received LOX - ITF is In Trust For - I.E. Beneficiary, Payable on Death. The other personal only has access to them upon the death of our applicant making these asset statements acceptable for the program. Exception cleared. | The exception 'Borrower Employment Verification does not meet guidelines' is cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020047 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | HPML Loan with established escrows and appraisal requirements have been met. | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020047 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020047 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020254 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020254 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020254 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020317 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020317 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020317 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020256 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | HPML loan with established escrows and met appraisal requirements. | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020256 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020256 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | Loan is missing XXX XXX bank statment. Lender stated XXX XXX deposit amount for XXX XXX on bank statement worksheet pg XXX. This was excluded in income calculations. | Received LOX with an updated Income Calc showing XX XXX Bank Statements from XXX XXX through XXX XXX. Reviewed CRSE and lender approvded as XXX Bank Statements. updating income calculation as outlined since it does match and making it XX months - not XX months as originally calculated. Exception cleared. | Received LOX with an updated Income Calc showing XX XXX Bank Statements from XXX XXX through XXX XXX. Reviewed CRSE and lender approvded as XXX Bank Statements. updating income calculation as outlined since it does match and making it XX months - not XX months as originally calculated. Exception cleared. | The borrower income verification does match approval. Received LOX with an updated Income Calc showing XX Month Business Bank Statements fromXXX XXX through XXX XXX. Reviewed CRSE and lender approved at XXM Bank Statements. updating income calculation as outlined since it does match and making it XX months - not XX months as originally calculated. Exception cleared. | XX/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020257 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; | HPML loan with established escrows and met appraisal requirements. |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020257 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020257 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Fully Executed Purchase Contract is Partial | The fully executed purchase contract is Partial; Need fully executed sales contract changing purchase price from $XXX,XXX to $XXX,XXX. | Received amendment to purchase contract correcting purchase price. Exception cleared. |  | The fully executed purchase contract is Present | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020257 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | The zero tolerance violation in the amount of $XX is due to the increase in the appraisal fee on the Final CD; Need evidence of COC or, PCCD with copy of refund check to the borrower in the amount of $XX. <br>Please note: Final CD includes a handwritten note stating a refund ck #XXX for $XXX.XX is included in the the closing package however, unable to locate the check in the loan file and no lender cure was listed on the CD. ; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | Received PCCD with letter dated X/XX/XXX and copy of refund check in the amount of $XX.XX. Updating loan accordingly. |  | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020041 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020041 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020041 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020199 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided. Correction. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020199 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020199 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020199 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020203 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX.; Per Lender Guidelines, not applicable. Exception cleared. |  |  | Loan is R& W Eligible Exception cleared | X/X/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D B A C |
| 2023020203 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client.; Approved Exception granted for XXX in the past XX months. Compensating Factors: XX months in reserves, more than X months over guidelines and DSCR X.X%, XX over guidelines; Housing history does not meet guidelines.; Housing delinquency meets guidelines.; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Housing history does not meet guidelines X x XX x XX months |  |  | Approved Exception granted for XXX in the past XX months. Compensating Factors: XX months in reserves, more than X months over guidelines and DSCR X.X%, XX over guidelines; Housing history does not meet guidelines.; Housing delinquency meets guidelines.; Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Housing history does not meet guidelines X x XX x XX months | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D B C A |
| 2023020203 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D B C A |
| 2023020204 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Per Lender Guidelines, not applicable. Exception cleared.; Third Party Valuation Product Not Provided and CU Score is X.XX. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020204 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Per Lender Guidelines, not applicable. Exception cleared.; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020204 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020204 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020205 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%.; Third party valuation product was not provided. Property is a multi-unit which is not scored by Fannie or Freddie |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020205 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020205 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020205 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. | X/XX/XX - eSign documentation provided showing accepted by borrower. Exception cleared. | XXX | The eSigned documents consent is Present. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020211 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Per Lender Guidelines, Not Applicable ; Third Party Valuation Product Not Provided and CU Score is X.XX. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Borrower has more than X years at current residence - Borrower at current residence X.XX years D A C |
| 2023020211 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Approved Exception for min reserves not being meet, X months required. Compensating factors: Qualifying credit score is XXX, Payment decreasing by XXX; Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX.; asset documentation in the file is less than required X months reserves. | Client provided exception approval |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; Approved Exception for min reserves not being meet, X months required. Compensating factors: Qualifying credit score is XXX, Payment decreasing by XXX; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX.; asset documentation in the file is less than required X months reserves. | X/XX/XXX | Borrower has more than X years at current residence - Borrower at current residence X.XX years D C A |
| 2023020211 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years D C A |
| 2023020207 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Is Completion Certificate in file is No | The appraisal was completed "Subject To" however, the file is missing the Completion Certificate.; The XXX completion report in the file indicates the subject is only XX% complete. No XXX completion report in the file that confirms XXX% completion. | X/XX/XXX - Received Appraisal Updated dated X/XX/XXX. Exception cleared. | XXX | The Completion Certificate is Yes | X/XX/XXX | D B C A |
| 2023020207 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | FHLMC UCDP report reflects collateral R&W Relief Not Eligible. ; Third Party Valuation Product Not Provided and CU Score is X.XX. |  | XXX | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | D B C A |
| 2023020207 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | FNMA CU score is X.X. ; Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | D B C A |
| 2023020207 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Approved Exception for reserves requirements not meet, Purchase of a new construction, relocation funds used at closing, Large down payment. Compensating Factors: Credit Score is XXX and Payment shock is only X.XXX%.; Change severity of 'Liquid Reserves are less than Guidelines Required' from Non-Material to Material. |  |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. | X/XX/XXX | D B C A |
| 2023020207 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | D B C A |
| 2023020214 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020214 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020214 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020271 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product is not required for this Loan transaction. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020271 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020218 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020218 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Right of Rescission Test | This loan passed the TILA right of rescission test.Closed-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is not before the third business day following consummation.<br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX.XX or §XXX.XX, or delivery of all material disclosures, whichever occurs last. |  |  | This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX.XX or §XXX.XX, or delivery of all material disclosures, whichever occurs last. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020218 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020218 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Originator NMLS is Not Active | PER NMLS licenses #XXX (XXX) expired XXX; license XXX (XXX) expired XXX; lender to provide active NMLS licenses. Loan closed in XXX |  |  | The originator NMLS status is Active; X/XX/XXX - PER NMLS licenses #XXX (XXX) expired XXX; license XXX XXX) expired XXX; lender to provide active NMLS licenses. Loan closed in XXX | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020218 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXXtolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi).; This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in XXXaccording to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) do not exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). |  |  | This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in XXXaccording to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) do not exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXXtolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi).; This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in XXXaccording to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) do not exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020218 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Missing business verification status as "active" for Universal Drywall Contracting Inc; CPA letter dated XX/XX/XXX only indicates XXX% ownership and missing FL SOS current business status. |  |  | X/XX/XXX - Received LLC Documentation and Business Search showing XXX Contracting is active. Exception cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020218 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | CU score is X.X. Exception cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020876 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A C |
| 2023020876 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A C |
| 2023020876 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Qualified Mortgage APR Threshold Finding | This loan has an APR that exceeds the threshold for a qualified mortgage. (XX CFR §XXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction for which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to $XXX.XXX, and its APR calculated per the requirements of XX CFR §XXX.XX(e)(X)(vi) does not exceed the APOR on the date the rate was set plus X.XX%; orThe note amount for a first lien on a manufactured home is less than $XXX.XXX, and its APR calculated per the requirements of XX CFR §XXX.XX(e)(X)(vi) does not exceed the APOR on the date the rate was set plus X.X%; orThe note amount for a first lien a non-manufactured home is less than $XXX.XXX but greater than or equal to $XXX.XXX, and its APR calculated per the requirements of XX CFR §XXX.XX(e)(X)(vi) does not exceed the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to $XXX.XXX, and its APR calculated per the requirements of XX CFR §XXX.XX(e)(X)(vi) does not exceed the APOR on the date the rate was set plus X.X%; orThe note amount on a first lien a non-manufactured home or a second lien is less than $XXX.XXX, and its APR calculated per the requirements of XX CFR §XXX.XX(e)(X)(vi) does not exceed the APOR on the date the rate was set plus X.X%. |  |  | Loan passes APR test. Condition cleared. | X/X/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A C |
| 2023020002 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020002 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020013 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has stable job time - Borrower has X.XX years at job. A C |
| 2023020013 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has stable job time - Borrower has X.XX years at job. A C |
| 2023020014 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Credit Report Indicator is Partial | Borrower credit report indicator is Partial. Tradeline requirements not met. |  |  | Change severity of 'Borrower Credit Report Indicator is Partial' from Material to Non-Material.; Client provided guideline exception allowing for X tradeline based on housing ratio XX% below maximum (XX%) and LTV XX% (XX% below maximum).; Change status of 'Borrower Credit Report Indicator is Partial' from Active to Acknowledged by Client. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020014 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Missed BK payments. |  |  | Change severity of 'Borrower Liabilities Verification Indicator is Partial' from Material to Non-Material.; Client provided guideline exception allowing for missed BK payments based on housing ratio XX% below maximum (XX%) and LTV XX% (XX% below maximum).; Change status of 'Borrower Liabilities Verification Indicator is Partial' from Active to Acknowledged by Client. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020014 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines as AOM Program Guidelines for Portfolio Select does not allow Rent Free under guideline matrix. Exception Cleared per Exception Approval Letter Pg. XXX. |  |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Client provided guideline exception allowing for no housing history based on housing ratio XX% below maximum (XX%) and LTV XX% (XX% below maximum).; Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020014 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Loan is Qm and DTI exceeds XX% | Loan is a QM loan and DTI of ___ exceeds maximum of XX%. |  |  | QM DTI is less than XX%. Correction. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020014 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020003 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower credit report is greater than XX days from the Note date | Lender G/L requirements have been met Credit documents are good for XXX days B CBR is dated X/X/XX and transaction date is X/XX/XX.; Borrower credit report dated X/X/XXX is greater than XX days from note date. |  |  | Change severity of 'Borrower credit report is greater than XX days from the Note date' from Material to Non-Material. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020003 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Underwriting CLTV exceeds Guideline Maximum Allowable | Underwriting CLTV of XX.XX is greater than the maximum allowable guideline CLTV of XX.XX.; Change status of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Lender approved a G/L exception pg XXX approved on X/XX/XXX for LTV max allowed is XX% Loan amount is $XX,XXX.<br> Compensating Factors:<br> Credit score of XXX; XX Mo reserves; B is an established landlord owns multiple REO |  |  | Change severity of 'Underwriting CLTV exceeds Guideline Maximum Allowable' from Material to Non-Material. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020003 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Underwriting LTV exceeds Guideline Maximum Allowable | Lender approved a G/L exception pg XXX approved on X/XX/XXX for LTV max allowed is XX% Loan amount is $XX,XXX.<br> Compensating Factors:<br> Credit score of XXX; XX Mo reserves; B is an established landlord owns multiple REO; Change status of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Active to Acknowledged by Client.; Underwriting LTV of XX.XX is greater than the maximum allowable guideline LTV of XX.XX based on a loan amount of XXX.XX and value used for LTV of ___. |  |  | Change severity of 'Underwriting LTV exceeds Guideline Maximum Allowable' from Material to Non-Material. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020003 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. B A |
| 2023020004 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower X Income Verification is less than XX months | Borrower X Income Verification of X.XX is less than XX months. |  |  | Borrower X Income Verification of ___ is greater than XX months. XX/XX/XXX: Product type is DSCR, not applicable. Exception cleared.; XX/XX/XXX: Product type is DSCR, not applicable. Exception cleared. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020004 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower Income Verification is less than XX months | Borrower Income Verification of X.XX is less than XX months. |  |  | Income Verification of ___ is greater than XX months. XX/XX/XXX: Product type is DSCR, not applicable. Exception cleared.; XX/XX/XXX: Product type is DSCR, not applicable. Exception cleared. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020004 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020005 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020005 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020006 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Lender G/L do not require a secondary appraisal product on this transaction, the loan amount is $XXX,XXX, this is a primary residence of B and CB receiving no cash out (R/T) refi. |  |  | XX/XX/XXX: Client provided TPV to support appraised value; exception cleared. ; Third Party Valuation Product Provided.; XX/XX/XXX: Lender G/L do not require a secondary appraisal product on this transaction, the loan amount is $XXX,XXX, this is a primary residence of B and CB receiving no cash out (R/T) refi. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020006 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower X credit report is greater than XX days from Note date | AOMS G/L allows XXX days- credit docs, last CBR X/XX/XX Note Date X/XX/XX meets G/L requirements; Borrower X credit report dated X/XX/XXX is greater than XX days from note date. |  |  | XX/XX/XXX: AOMS G/L allows XXX days- credit docs, last CBR X/XX/XX Note Date X/XX/XX meets G/L requirements. Exception cleared.; Change severity of 'Borrower X credit report is greater than XX days from Note date' from Material to Non-Material. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020006 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Borrower credit report is greater than XX days from the Note date | AOMS G/L allows XXX days- credit docs, last CBR X/XX/XX Note Date X/XX/XX meets G/L requirements; Borrower credit report dated X/XX/XXX is greater than XX days from note date. |  |  | XX/XX/XXX: AOMS G/L allows XXX days- credit docs, last CBR X/XX/XX Note Date X/XX/XX meets G/L requirements. Exception cleared.; Change severity of 'Borrower credit report is greater than XX days from the Note date' from Material to Non-Material. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020006 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | CoBorrower Income Verification does not match Approval | The coborrower income verification does not match approval<br> There is no evidence to support addtional $XXX.XX allocated to CB <br> U/W used Lender Quick calcs as confirmation of qualified deposits using XX mo biz bank stmnts used at XXX% as CB and B own equally and used XX% exp factor |  |  | The coborrower income verification does match approval. XX/XX/XXX: Received revised XXX in trailing docs. Exception cleared.; XX/XX/XXX: Received revised XXX in trailing docs. Exception cleared. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020006 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Lender approved a G/L exception pg XXX approved on X/XX/XX and Xnd approval X/XX/XX; Borrower assets did meet X mo reserves req. lender verified X mo U/W calcs identified X+ mo;<br> Compensating Factors: no lates on credit since inception, stable employment XX years S/E same job; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX. |  |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020006 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020007 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020007 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020015 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | DTI exceeds Guideline Maximum Allowable | DTI of XX.XX exceeds guideline maximum of XX.XX. |  |  | Guidelines allow for XXX accounts (open XX day charge accounts) not to be included in DTI if no late pays in the past XX months. Exception cleared.; Documentation provided to support DTI below XX.XX. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020015 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary Indicator is Missing | Need final XXX.; Transmittal Summary Indicator is Missing. |  |  | Transmittal Summary Indicator is Present; XX/XX/XXX: Received in trailing docs. Exception cleared.;<br> XX/XX/XXX: Need final XXX.;<br> XX/XX/XXX: Need final XXX.; XX/XX/XXX: Need final XXX.;<br> XX/XX/XXX: Need final XXX.; XX/XX/XXX: Need final XXX. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020015 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Transmittal Summary is Missing | Need final XXX.; The transmittal summary is Missing. |  |  | The transmittal summary is Present; XX/XX/XXX: Received in trailing docs. Exception cleared.;<br> XX/XX/XXX: Need final XXX.;<br> XX/XX/XXX: Need final XXX.; XX/XX/XXX: Need final XXX.;<br> XX/XX/XXX: Need final XXX.; XX/XX/XXX: Need final XXX. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020015 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020008 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower credit report is greater than XX days from the Note date | Borrower credit report dated X/XX/XXX is greater than XX days from note date. Lender guidelines allow for CBR to be within XXX days of Note date. Note date XX/XX/XXX. Exception cleared. |  |  | Lender guidelines allow for CBR to be within XXX days of Note date. Note date XX/XX/XXX. Exception cleared. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020008 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020016 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. A C |
| 2023020016 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. A C |
| 2023020009 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020009 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020030 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020030 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020010 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Borrower credit report is greater than XX days from the Note date | CBR dated X/XX/XX and the Note date is X/XX/XX. Exception cleared. |  |  | CBR dated X/XX/XX and the Note date is X/XX/XX. Exception cleared. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020010 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020017 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020017 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020011 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting FICO does not meet Guideline Minimum Required | Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. |  |  | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. XX/XX/XXX: Lender guidelines reflect minimum FICO of XXX. Exception cleared.; XX/XX/XXX: Lender guidelines reflect minimum FICO of XXX. Exception cleared. | X/XX/XXX | Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. C A |
| 2023020011 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Interest Rate Test | This loan failed the interest rate test.<br> The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. |  |  | Loan passes Interest rate test. Condition cleared. | X/X/XXX | Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. C A |
| 2023020031 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Per Lender Guidelines, not applicable. |  | X/XX/XX - Per Lender Guidelines, not applicable. Exception cleared.;<br> X/XX/XX - Per Lender Guidelines, not applicable. Exception cleared.; Per Lender Guidelines, not applicable. Exception cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020031 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Appraisal date is greater than XXX days from Origination date. | Appraisal dated X/XX/XXX is greater than XXX days from Note date of XX/XX/XXX. |  |  | Appraisal date is within XXX days of Note date. Correction. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020031 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020031 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XX - Received further clarification. Lender credits were not taken into consideration. Updating loan. | XXX | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; A second appraisal for re-inspection was added to the CD dated XX/XX/XXX in the amount of $XXX.XX not disclosed on the initial LE. Per Disclsure Tracking Summary, missing LE dated XX/XX/XX & LE XX/XX/XX from the file. Please provide missing LE's or Post Closing CD, Change of Circumstance or proof of reimbursement to the Borrower. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020031 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | X/XX/XX - Received further clarification. Lender credits were not taken into consideration. Updating loan. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020031 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Original PI Payment on Note does not equal PI Payment on Final Closing Disclosure | Original PI Payment on Note matches Final CD<br> From Hard Coded form in template:<br> 'Closing Disclosure' at XX/XX/XXX |  |  | Original PI Payment on Note matches Final CD | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020031 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X,XXX.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X,XXX.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the XXX analysis. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XX - Received further clarification. Lender credits were not taken into consideration. Updating loan. | XXX | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020019 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | The replacement cost of the dwelling per the appraiser is $XXX,XXX. The bound coverage amount of $XXX,XXX plus the XX% additional replacement cost coverage is equal to $XXX,XXX.XX which is sufficient.; Hazard insurance coverage of XXX.XX is not sufficent. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. |  |  | Hazard insurance coverage is sufficient. The replacement cost of the dwelling per the appraiser is $XXX,XXX. The bound coverage amount of $XXX,XXX plus the XX% additional replacement cost coverage is equal to $XXX,XXX.XX which is sufficient. | X/XX/XXX | Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023020019 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years C A |
| 2023020020 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Per Lender Guidelines, not applicable. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020020 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower X Income Verification is less than XX months | Borrower X Income Verification of X.XX is less than XX months. |  |  | Borrower X Income Verification of X is greater than XX months. Condition set in error, borrower X income not used to qualify. | Borrower X Income Verification of X is greater than XX months. Condition set in error, borrower X income not used to qualify. | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020020 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020012 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Property Survey Not Provided | Property Survey Not Provided |  |  | Property Survey Provided. Correction. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020012 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020012 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020012 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). |  |  | This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in XXXaccording to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) do not exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020012 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020012 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020018 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Not required. Loan amount < XXXk. Exception cleared.; Third Party Valuation Product Not Provided and CU Score is X.XX. |  | XXX | Third Party Valuation Product Provided. | X/X/XXX | Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020018 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020018 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020144 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020144 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020145 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020145 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020146 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020146 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020147 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Loan meets lender G/L requirements transaction is a rate & term refi , loan amount $XXX,XXX and the secondary appraisal product to support the appraisal is the FRE loan collateral with rep and warrants as Eligible noted on pg XXX |  |  | Loan meets lender G/L requirements transaction is a rate & term refi , loan amount $XXX,XXX and the secondary appraisal product to support the appraisal is the FRE loan collateral with rep and warrants as Eligible noted on pg XXX | X/X/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020147 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020147 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020148 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Length of housing history does not meet guidelines | Housing History Number of Months XX does not meet minimum XX months; Bank Statement G/L only require XX months housing history; Change severity of 'Length of housing history does not meet guidelines' from Material to Non-Material. |  |  | Housing History Number of Months XX does not meet minimum XX months; Bank Statement G/L only require XX months housing history; Change severity of 'Length of housing history does not meet guidelines' from Material to Non-Material. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020148 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020149 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020149 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020166 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | A C |
| 2023020166 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | A C |
| 2023020150 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020150 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020151 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years A C |
| 2023020151 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years A C |
| 2023020152 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020152 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020153 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020153 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020154 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Borrower Income Verification is less than XX months | Change severity of 'Borrower Income Verification is less than XX months' from Material to Non-Material.; Borrower Income Verification of X.XX is less than XX months.; DSCR, no income verified |  |  | Change severity of 'Borrower Income Verification is less than XX months' from Material to Non-Material.; Borrower Income Verification of X.XX is less than XX months.; DSCR, no income verified | X/XX/XXX | Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years C A |
| 2023020154 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years C A |
| 2023020155 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A C |
| 2023020155 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A C |
| 2023020156 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party AVM to appraised value exceeds XX% allowable variance | Third party AVM value of XXX.XX with a variance of XX.XX exceeds XX% allowable variance.; AVM page XXX reflected Third party AVM value of XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX | X/X/XX - Per client, the High Value on the AVM was used to determine if this appraisal was within the tolerance. updating account / clearing exception. &#xXD;<br> X/XX/XX - Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance&#xXD;<br> XX/XX/XX - Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance&#xXD;<br> XX/XX/XX - Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance. &#xXD;<br> XX/XX/XX - AVM page XXX reflected Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX in the amount of $X,XXX,XXX.XX. That is a difference of $XXX,XXX.XX between Appraisal and AVM calculation. &#xXD;<br> XX/XX/XXX: AVM page XXX reflected Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX | XXX | Additional third party valuation requested to support value.; X/XX/XX - XX/XX/XX - Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance;<br> XX/XX/XX - XX/XX/XX - Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance. ;<br> XX/XX/XX - AVM page XXX reflected Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX in the amount of $X,XXX,XXX.XX. That is a difference of $XXX,XXX.XX between Appraisal and AVM calculation. ;<br> XX/XX/XXX: AVM page XXX reflected Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX; XX/XX/XX - Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance; XX/XX/XX - AVM page XXX reflected Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX in the amount of $X,XXX,XXX.XX. That is a difference of $XXX,XXX.XX between Appraisal and AVM calculation. ;<br> XX/XX/XXX: AVM page XXX reflected Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX; XX/XX/XXX: AVM page XXX reflected Third party AVM value of $X,XXX,XXX.XX with a variance of XX.XX exceeds XX% allowable variance and does not support value of appraisal page XXX | X/X/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020156 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020156 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | Charges That Cannot Increase Test | Final CD pg XXX dated X/XX/XX Transfer Tax fees increased by $XX. There is a COC in the filed dated X/XX/XX, but it shows the change occured on X/XX/XX and the revised CD due on X/XX/XX.; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XX - Received PCCD Letter; PCCD, and copy of refund check in the amount of $XX. Updating loans. &#xXD;<br> XX/XX/XX - Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.&#xXD;<br> XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX. | XXX | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; XX/XX/XX - LE dated X/XX/XX; COC dated X/XX/XX received. These items do not clear the Transfer Tax increase of $XX from LE/Initial CD to Final CD. Post Closing CD or proof of reimbursement to Borrower for transfer taxes increasing from $XXX.XX to $XXX.XX on X/XX/XX. ;<br> XX/XX/XX - Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.;<br> XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.; XX/XX/XX - Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.;<br> XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.; XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020156 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | X/XX/XX - Received PCCD Letter; PCCD, and copy of refund check in the amount of $XX. Updating loans. &#xXD;<br> XX/XX/XX - Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.&#xXD;<br> XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; XX/XX/XX - Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.;<br> XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.; XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020156 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | Lender Credits That Cannot Decrease Test | This loan passed the lender credits that cannot decrease test. (XX CFR §XXX.XX(e)(X)(i))The loan contains lender credits that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($XXX.XX) exceeds or equals the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan passed the lender credits that cannot decrease test. (XX CFR §XXX.XX(e)(X)(i))The loan contains lender credits that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) exceeds or equals the comparable sum of specific and non-specific lender credits ($X.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). |  |  | This loan passed the lender credits that cannot decrease test. (XX CFR §XXX.XX(e)(X)(i))The loan contains lender credits that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) exceeds or equals the comparable sum of specific and non-specific lender credits ($X.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the lender credits that cannot decrease test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020156 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XX - Received PCCD Letter; PCCD, and copy of refund check in the amount of $XX. Updating loans. &#xXD;<br> XX/XX/XX - Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.&#xXD;<br> XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX. | XXX | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $XXX.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $XXX.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; XX/XX/XX - Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.;<br> XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX.; XX/XX/XXX: Please provide Post Closing CD, Change of Circumstance or proof of reimbursement to Borrower for transfer taxes that increased from $XXX.XX to $XXX.XX on X/XX/XXX, a difference of $XX.XX. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020156 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cured Post Close | Compliance | Reimbursement Date Test | This loan failed the reimbursement date test. (XX CFR §XXX.XX(f)(X)(v))The reimbursement date is more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. |  |  | This loan passed the reimbursement date test. (XX CFR §XXX.XX(f)(X)(v))The reimbursement date is not more than XX calendar days after the consummation date, or closing / settlement date if no consummation date was provided.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020157 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020157 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020157 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020158 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020158 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020159 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Borrower Income Verification is less than XX months | Borrower Income Verification of X.XX is less than XX months.; Change severity of 'Borrower Income Verification is less than XX months' from Material to Non-Material.; DSCR, no employment/income verification required |  |  | Borrower Income Verification of X.XX is less than XX months.; Change severity of 'Borrower Income Verification is less than XX months' from Material to Non-Material.; DSCR, no employment/income verification required | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020159 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Length of housing history does not meet guidelines | Housing History Number of Months X does not meet minimum XX months; The borrower is not obligated on the mortgage for the primary residence. There is a new HELOC on the property with a zero balance. Housing history is OK, as it is not a rent-free situation.; Change severity of 'Length of housing history does not meet guidelines' from Material to Non-Material. |  |  | Housing history is OK, as it is not a rent-free situation.; Change severity of 'Length of housing history does not meet guidelines' from Material to Non-Material. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020159 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020160 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Employment Verification does not meet guidelines | Income Calculation for Business Bank Statements provided; but Copies of the Bank Statements (Acct. XXX) are not provided for verification. |  |  | Correction.; XXX Bank Statements; XX/XX/XXX: Received bank statements in trailing docs. Exception cleared. | X/X/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020160 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020161 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020161 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020167 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020167 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020168 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX.; Not required. Loan amount < XXXk |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/X/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020168 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020168 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020169 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020169 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020170 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020170 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020171 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided; Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided. Correction. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020171 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020171 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years D A |
| 2023020179 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. A |
| 2023020179 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. A |
| 2023020172 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020172 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has significant job time - Borrower has been on job X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020173 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A C |
| 2023020173 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A C |
| 2023020180 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020180 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020261 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. |  | CU Score is X.XX. SSR score is not applicable/removed. | XXX |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020261 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX.XX months or $XXX.XX, is greater than or equal to the Guidelines minimum required of X.XX or $XXX.XX.; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX.; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX. |  |  | The liquid reserves of XXX.XX months or $XXX.XX, is greater than or equal to the Guidelines minimum required of X.XX or $XXX.XX. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020261 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX.XX exceeds the lender guidelines tolerance for payment shock. Guideline is XXX% | X/X/XX - Client provided additional explanation. The current payment on the residence does not include a mortgage. The TIA payment is $XXX.XX. The new mortgage payment is $X,XXX.XX. The new payment will be a XXX% increase. Exception cleared. &#xXD;<br> X/XX/XX - Payment shock of XXX.XX exceeds the lender guidelines tolerance for payment shock. Guideline is XXX% | XXX | Payment shock of XXX.XX does not exceed the lender guidelines tolerance for payment shock. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020261 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). |  |  | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020261 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020261 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020181 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020181 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Not Applicable; The affiliate business disclosure is Missing |  |  | The affiliate business disclosure is Not Applicable | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020182 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020182 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020183 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DSCR is less than guideline minimum | Qualifying DSCR of - X.XX is less than guideline minimum requirement of X.XX.; Qualifying DSCR of X.XX meets guideline requirement.; Qualifying DSCR of - X.XX meets guideline requirement.; Qualifying DSCR of X.XX is less than guideline minimum requirement of X.XX.; Qualifying DSCR of ___ meets guideline requirement.; Qualifying DSCR of - X.XX is less than guideline minimum requirement of X.XX.; Qualifying DSCR of - X.XX is less than guideline minimum requirement of X.XX. | X/XX/XX - Per guidelines, No DSCR Minimum FICO XXX Maximum LTV XX%. Updating loan. &#xXD;<br> X/XX/XX - Qualifying DSCR of X.XX meets guideline requirement. Correction. | XXX | Qualifying DSCR of X.XX meets guideline requirement.; Qualifying DSCR of X.XX meets guideline requirement. Correction.; Qualifying DSCR of - X.XX is less than guideline minimum requirement of X.XX. Correction. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020183 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Notice of Special Flood Hazards is Missing | The notice of special flood hazards is Missing | The notice of special flood hazards is Not Applicable | XXX |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020184 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020184 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020185 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020185 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020186 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Informational exception - no action needed | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020186 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Full Appraisal Not Provided (XX CFR XXX.XX(c)(X)) | Loan is a Higher-Priced Mortgage Loan and Appraisal product used to qualify is Form XXXMC. |  |  | Correction. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020186 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Income Verification does not match Approval | Lender to provide documentation of income.; The borrower income verification does not match approval | Received an updated Income Calc and final XXX showing the Borrower's Income to be $XX,XXX.XX per month. Reviewed image and found WX's. Calculated the amounts and it matches. Exception cleared. |  | The borrower income verification does match approval; X/XX/XX - Received an updated Income Calc and final XXX shwoing the Borrower's Income to be $XX,XXX.XX per month. Reviewed image and found WX's. Calculated the amounts and it matches. Exception cleared. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020187 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020187 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020188 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  | XXX | Third Party Valuation Product Provided.; Per Lender Guidelines, not applicable. Exception cleared. | X/X/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020188 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in XXXaccording to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) do not exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXXtolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXXtolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXXtolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($X,XXX.XX) exceed the comparable charges ($X,XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). |  |  | This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in XXXaccording to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) do not exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi).; This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXXtolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020188 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations.; This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020188 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | High-Cost Mortgage Date the Rate Was Set Validation Test | This loan failed the date the rate was set validation test. (XX CFR §XXX.XX(X)(i)(A), (C))This loan did not provide the date the rate was set, which is required for the High-Cost Mortgage Finding. |  |  | This compliance test 'High-Cost Mortgage Date the Rate Was Set Validation Test' is no longer tested | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020188 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XX.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020188 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TRID Disclosure Delivery and Receipt Date Validation Test | This loan failed the TRID disclosure delivery and receipt date validation test due to one of the following findings:The Revised Loan Estimate Receipt Date is before Revised Loan Estimate Delivery Date; orThe Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; orThe Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date. |  |  | This compliance test 'TRID Disclosure Delivery and Receipt Date Validation Test' is no longer tested | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020189 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A C |
| 2023020189 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A C |
| 2023020190 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020190 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020191 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. |  |  | Third Party Valuation Product Provided; Third Party Valuation Product Provided. Correction. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020191 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX. Per Lender Guidelines, not applicable. Exception cleared. | Per Lender Guidelines, not applicable. Exception cleared | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020191 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Per Lender Guidelines, not applicable. Exception cleared. | Per Lender Guidelines, not applicable. Exception cleared | XXX |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020191 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. |  |  | Housing delinquency meets guidelines. Correction. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020191 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Minimum Trade Line Requirement Not Met | Borrower(s) have met the minimum tradeline requirement per lender guidelines. ; Borrower(s) have not met the minimum tradeline requirement per lender guidelines. |  |  | Borrower(s) have met the minimum tradeline requirement per lender guidelines. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020191 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Not Applicable; The affiliate business disclosure is Missing |  |  | The affiliate business disclosure is Not Applicable | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020192 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A C |
| 2023020192 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A C |
| 2023020193 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020193 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020194 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  |  | Third Party Valuation Product Provided. Value supported. Condition cleared. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020194 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. D A |
| 2023020195 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020195 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020196 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product Provided; Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%.; Xrd party valuation required on all loans with CU score of more than X.X and loan amount greater than $XXX,XXX. Subject loan amount is $X,XXX,XXX and CU score is X.X. |  | XXX | Third Party Valuation Product not required. : Xnd appraisal is present; ;<br> Exception cleared | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020196 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Third Party Valuation Product Not Provided and CU Score is X.XX. |  | XXX | Third Party Valuation Product not required. : Xnd appraisal is present; ;<br> Exception cleared | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020196 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. |  | XXX | Third Party Valuation Product not required. : Xnd appraisal is present; ;<br> Exception cleared | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020196 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020197 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | The replacement cost of the dwelling per the appraiser is $XXX,XXX. The Acord indicates that the coverage "includes replacement cost coverage, subject to XX% coinsurance clause-up to policy limit." This is the windstorm (hurricane) coverage. A second Acord for the Broad coverage is also in file. Each policy is in the amount of $XXX,XXX. However, the coverages only appear to overlap in the event of a windstorm loss, and coverage is therefore not sufficient if the loss results from fire or other event.; Hazard insurance coverage of XXX.XX is not sufficent. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | X/XX/XX - Received updated insurance policy - Dwelling amount increased to $XXX,XXX and is greater than the replacement cost estimate. Exception cleared. | XXX | Hazard insurance coverage is sufficient. | X/XX/XXX | Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020197 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has stable job time - Borrower has X.XX years at job. C A |
| 2023020198 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020198 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020200 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Second Field Review variance to appraised value exceeds XX% | Third party Second Field Review variance of - XXX.XX exceeds XX% maximum allowed. |  | XXX | Additional third party valuation requested to support value. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020200 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of XXX.XX months or $XXX.XX, are less than the Guidelines minimum required of XXX.XX or $XXX.XX. |  |  | The liquid reserves of XXX.XX months or $XXX.XX, is greater than or equal to the Guidelines minimum required of X.XX or $XXX.XX. Correction. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020200 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Affiliated Business Disclosure is Missing | The affiliate business disclosure is Missing |  |  | The affiliate business disclosure is Not Applicable | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020200 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That In Total Cannot Increase More Than XX% Test | This loan failed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXXtolerance according to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). |  |  | This loan passed the charges that in total cannot increase more than XX% test. (XX CFR §XXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges were in XXXaccording to §XXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XX.XX) do not exceed the comparable charges ($XX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXXif:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX.XX(e)(X)(i) by more than XX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX.XX(e)(X)(vi). | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020200 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020200 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | eSigned Documents Consent is Missing | The eSigned documents consent is Missing. |  |  | The eSigned documents consent is Present.; The eSigned documents consent is ___. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020200 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020262 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Asset Documents are Incomplete | G/L require that assets be in a XXX for XX days. All bank statements provided are from XXX, and the balances are expressed in XXX. No conversion provided. | X/XX/XX - Received Asset documentation. XXX and XXX the same company and have offices in North Carolina as well as Ontario. Exception cleared. &#xXD;<br> X/XX/XX - G/L require that assets be in a XXX for XX days. All bank statements provided are from XXX, and the balances are expressed in CND. No conversion provided. | XXX | Received Asset documentation. XXXand XXX are the same company and have offices in XXX as well as XXX. Exception cleared. | X/XX/XXX | Borrower has more than X years at current residence - Borrower at current residence X.XX years D A C |
| 2023020262 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Note Document Indicator is Partial | Note document indicator is Partial. Per guidelines ACH required for monthly payment. Document not located in the file. | X/X/XX - Received Autho for Withdrawal and Direct Payment agreement received. Exception cleared.&#xXD;<br> X/XX/XX - Note document indicator is Partial. Per guidelines ACH required for monthly payment. Document not located in the file. | XXX | Note document indicator is Present | X/X/XXX | Borrower has more than X years at current residence - Borrower at current residence X.XX years D A C |
| 2023020262 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years D A C |
| 2023020263 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020263 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020202 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Per Lender Guidelines, not applicable. Exception cleared. | Per Lender Guidelines, not applicable | XXX |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020202 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020202 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020209 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020209 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020270 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A C |
| 2023020270 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A C |
| 2023020264 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020264 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020265 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020265 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020266 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020266 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020210 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A C |
| 2023020210 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A C |
| 2023020267 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Insufficient cash to close. | Cash to close in the amount of XXX.XX is greater than the available asset amount of XXX.XX. |  |  | Sufficient cash to close is documented. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020267 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Liquid Reserves are less than Guidelines Required | The liquid reserves of - XX.XX months or $-XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX. |  |  | The liquid reserves of XX.XX months or $XXX.XX, is greater than or equal to the Guidelines minimum required of X.XX or $XXX.XX. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020267 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020268 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023020268 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A C |
| 2023020206 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%. | Per Lenders G/L TPV not required. |  | Third Party Valuation Product Provided. Correction. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020206 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Per Lenders G/L TPV not required. |  | Per Lender Guidelines, not applicable. Exception cleared. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020206 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | HAZARD INSURANCE CERTIFICATE MISSING | Missing copy of hazard insurance certificate | X/X/XX - Insurance Policy provided showing $X,XXX,XXX Dwelling Coverage with replacement Cost. Exception cleared. &#xXD;<br> X/XX/XX - Missing copy of hazard insurance certificate | XXX | Received copy of hazard insurance certificate | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020206 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Hazard Insurance Coverage is Not Sufficient. | Hazard insurance coverage of XXX.XX is not sufficent. The subject loan amount is XXX.XX with the hazard insurance replacement coverage of No and estimated replacement value from insurance company was not provided. | X/X/XX - Insurance Policy provided showing $X,XXX,XXX Dwelling Coverage with replacement Cost. Exception cleared. &#xXD;<br> X/XX/XX - Need Insurance documentation to see if coverage supports loan amount. | XXX | Hazard insurance coverage is sufficient.; Need Insurance documentation to see if coverage supports loan amount. | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020206 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A |
| 2023020269 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years A C |
| 2023020269 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Borrower has more than X years at current residence - Borrower at current residence X.XX years A C |
| 2023020212 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XX.XX exceeds guideline maximum of XX.XX.; CRS & XXX reflects XX.XXX% DTI, Income of $XXX.XX per month with $XXX.XX in consumer debts + $XXX.XX in negative cash flow for subject property = $XXX.XX. <br>Calculated Liabities w/Neg cash flow reflect $XXX.XX causing DTI ratio to be XX.XX%<br>| X/XX/XXX - The Subject Property Neg Cash Flow was not calculated properly. Updating accordingly. | XXX | Documentation provided to support Qualifying DTI below XX.XX. | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020212 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Underwriting FICO does not meet Guideline Minimum Required | Per Guidelines, Min Fico allowed is XXX for Verification of Rent. Bwrs currently rent, lease agreement in file. No Lender Exception listed on Credit Risk Summary. ; Underwriting FICO of XXX is less than the minimum required guideline FICO of XXX. | Per guidelines, FICO score minimum is XXX. Updating loan. | XXX | Underwriting FICO of XXX is greater than or equql to the minimum required guideline FICO of XXX. | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020212 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020213 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Second Field Review variance to appraised value exceeds XX% | Additional third party valuation requested to support value.; Third party Second Field Review variance of - XXX.XX exceeds XX% maximum allowed. |  |  | Additional third party valuation requested to support value.; Third party Second Field Review variance of - XXX.XX exceeds XX% maximum allowed. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020213 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. Per Lender Guidelines, not applicable. Two appraisals completed. | Xnd Appraisal information added to clear exception. | XXX | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible.; Third Party Valuation Product Provided. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020213 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020213 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | Mortgage Recording Fee increased from $XXX to $XXX, Lender Credit $XX.XX, not sufficient to cover tolerance, shortage $XX.XX | X/XX/XXX - Receive LOX showing - Lender credit of $XX.XX added to final CD to cover the XX% coverage of Mortgage Recording Fee. Updating loan. | XXX | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $X.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020213 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | Mortgage Recording Fee increased from $XXX to $XXX, Lender Credit $XX.XX, not sufficient to cover tolerance, shortage $XX.XX | X/XX/XXX - Receive LOX showing - Lender credit of $XX.XX added to final CD to cover the XX% coverage of Mortgage Recording Fee. Updating loan. | XXX | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested; This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020213 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | Mortgage Recording Fee increased from $XXX to $XXX, Lender Credit $XX.XX, not sufficient to cover tolerance, shortage $XX.XX | X/XX/XXX - Receive LOX showing - Lender credit of $XX.XX added to final CD to cover the XX% coverage of Mortgage Recording Fee. Updating loan. | XXX | This loan passed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances. However, the provided reimbursement amount of $X.XX, is sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation.; This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X.XX.Refunds related to the XXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years D A |
| 2023020163 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Final Loan Application is Missing | File images do not contain a Final signed XXX pg XX in file is dated X-XX-XX and is unsigned; Final loan application is Missing |  |  | XX/XX/XXX: Received in trailing docs. Exception cleared.; Final loan application is Present | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020163 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has significant job time - Borrower has been on job XX.XX years. ; Borrower has stable job time - Borrower has XX.XX years at job. D A |
| 2023020164 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020164 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. A |
| 2023020174 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Per Lender guidelines, loan amount less than $XXX,XXX.XX, not applicable. Exception cleared.; Third Party Valuation Product Not Provided and CU Score is X.XX. |  |  | Loan is R& W Eligible Exception cleared | X/X/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020174 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Borrower credit report is greater than XX days from the Note date | Per lender guidelines, CBR can be within XXX days of Note date. CBR is dated X/XX/XX and the Note date is X/X/XX. Exception cleared.; Borrower credit report dated X/XX/XXX is greater than XX days from note date. |  |  | Per lender guidelines, CBR can be within XXX days of Note date. CBR is dated X/XX/XX and the Note date is X/X/XX. Exception cleared | X/XX/XXX | Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years D A |
| 2023020162 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020162 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | Qualified Mortgage APR Threshold Finding | This loan has an APR that exceeds the threshold for a qualified mortgage. (XX CFR §XXX.XX(e)(X)(vi))A qualified mortgage is a covered transaction for which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to $XXX.XXX, and its maximum APR during the first five years does not exceed the APOR on the date the rate was set plus X.XX%; orThe note amount for a first lien on a manufactured home is less than $XXX.XXX, and its maximum APR during the first five years does not exceed the APOR on the date the rate was set plus X.X%; orThe note amount for a first lien a non-manufactured home is less than $XXX.XXX but greater than or equal to $XXX.XXX, and its maximum APR during the first five years does not exceed the APOR on the date the rate was set plus X.X%; orThe note amount for a second lien is greater than or equal to $XXX.XXX, and its maximum APR during the first five years does not exceed the APOR on the date the rate was set plus X.X%; orThe note amount on a first lien a non-manufactured home or a second lien is less than $XXX.XXX, and its maximum APR during the first five years does not exceed the APOR on the date the rate was set plus X.X%. |  |  | Loan passes APR test. Condition cleared. | X/XX/XXX | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is X.XX years. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020165 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020165 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020175 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020175 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of ___ ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020272 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020272 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020875 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020875 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | FICO exceeds guidelines - The FICO of XXX exceeds guidelines of XXX ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has over five years at current residence - Borrowers time at current residence is XX.XX years. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020869 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DSCR is less than guideline minimum | Qualifying DSCR of - X.XX is less than guideline minimum requirement of X.XX. |  |  | Qualifying DSCR of X.XX meets guideline requirement. Guidelines show - No DSCR Minimum FICO XXX Maximum LTV XX%. Loan falls within this category. | XX/X/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years C A |
| 2023020869 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Acknowledged | Credit | Housing history does not meet guidelines | Housing history does not meet guidelines. Isolated late in XXX XXX. |  |  | Change severity of 'Housing history does not meet guidelines' from Material to Non-Material.; Client provided guideline exception allowing for housing history of X x XX x XX based on all other REO mortgages X x XX x XX, late was not within the last XX months and other than cash out, borrower has over X.X million in IRAs and retirement.; Change status of 'Housing history does not meet guidelines' from Active to Acknowledged by Client. | XX/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years C A |
| 2023020869 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years C A |
| 2023020870 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | DSCR is less than guideline minimum | In order to qualify for a zero DSCR, the borrower must have a FICO score > XXX, and the LTV must be XX% or lower per the guidelines. The file does not contain an exception approval.; Qualifying DSCR of X.XX is less than guideline minimum requirement of X.XX. DSCR of X% required per G/Ls has not been met. |  |  | Qualifying DSCR of X.XX meets guideline requirement. Updated guidelines (dated XX/X/XX) received. No DSCR (DSCR < X.XX) Minimum FICO XXX Mazimum LTV XX%. Updating DSCR to X; clearing exception. ; XX/XX/XX - Updated guidelines (dated XX/X/XX) received. No DSCR (DSCR < X.XX) Minimum FICO XXX Mazimum LTV XX%. Updating DSCR to X; clearing exception. ;<br> XX/XX/XX - In order to qualify for a zero DSCR, the borrower must have a FICO score > XXX, and the LTV must be XX% or lower per the guidelines. The file does not contain an exception approval. | XX/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020870 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020880 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; XX/XX/XX - Received updated Credit Risk Summary & Exception Approval report dated XX/XX/XX. Reserves: Requirements not met - Post closing Excpetion. <br> XX/XX/XX - The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX.<br> The loan was approved with X.XX months reserves, however an exception approval is not in the file. Per guidelines, this borrower has insufficient verified reserves.; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX.; The loan was approved with X.XX months reserves, however an exception approval is not in the file. Per guidelines, this borrower has insufficient verified reserves. |  |  | Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.; | XX/XX/XXX | C B A |
| 2023020880 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Charges That Cannot Increase Test | This loan passed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that do not exceed the XXXdetermination according to §XXX.XX(e)(X)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i).; This loan failed the charges that cannot increase test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). |  |  | XX/XX/XX - Initial LE - XX/X/XX; COC - XX/X/XX; Initial CD - XX/X/XX Received. Updated accordingly; reran CE. | XX/XX/XXX | C B A |
| 2023020880 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Consummation or Reimbursement Date Validation Test | This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. |  |  | This compliance test 'Consummation or Reimbursement Date Validation Test' is no longer tested | XX/XX/XXX | C B A |
| 2023020880 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XX CFR §XXX.XX(e)(X)(i))The loan contains charges that exceed the XXXdetermination according to §XXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X,XXX.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XX,XXX.XX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX.XX(e) is in XXXif the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX.XX(e)(X)(i). |  |  | XX/XX/XX - Initial LE - XX/X/XX; COC - XX/X/XX; Initial CD - XX/X/XX Received. Updated accordingly; reran CE. ; Lender credits decreased from $XX,XXX.XX to $X,XXX.XX on XX/XX/XXX with no supporting documentation located in file. | XX/XX/XXX | C B A |
| 2023020880 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Reimbursement Amount Test | This loan failed the reimbursement amount test. (XX CFR §XXX.XX(f)(X)(v))Amounts paid by the consumer exceed the permitted tolerances and the provided reimbursement amount of $X.XX, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, $X,XXX.XX.Refunds related to theXXX. If amounts paid by the consumer exceed the amounts specified under §XXX.XX(e)(X)(i) or (ii), the creditor complies with §XXX.XX(e)(X)(i) if the creditor refunds the excess to the consumer no later than XX days after consummation, and the creditor complies with §XXX.XX(f)(X)(i) if the creditor delivers or places in the mail corrected disclosures that reflect such refund no later than XX days after consummation. |  |  | XX/XX/XX - Initial LE - XX/X/XX; COC - XX/X/XX; Initial CD - XX/X/XX Received. Updated accordingly; reran CE. | XX/XX/XXX | C B A |
| 2023020880 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test.Closed-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X)), Open-end (XX CFR §XXX.XX(a)(X) , transferred from XX CFR §XXX.XX(a)(X))The funding date is before the third business day following consummation. <br>The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by XX CFR §XXX.XX or §XXX.XX, or delivery of all material disclosures, whichever occurs last. |  |  | XX/XX/XX - Initial LE - XX/X/XX; COC - XX/X/XX; Initial CD - XX/X/XX Received. Updated accordingly; reran CE. | XX/XX/XXX | C B A |
| 2023020234 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within X days.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | XXX |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020234 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Back-End DTI is XX.XXX%. The REO properties do not appear to be in the final XXX calculation. DTI calculation is as follows: <br>$XXX.XX - Subject PITI<br> $XXX.XX - Liabilities<br> $XXX.XX - REO Loss<br> $XXX.XX - Income<br>$XXX.XX / $XXX.XX = XX.XXX | Received LOX - Per client, Authorized Signor accounts are not included in the liability calculation. Removed all authorized signor accounts from the calculation. Exception cleared. |  | Documentation provided to support Qualifying DTI below XX.XX. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020238 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Escrow account established, and appraisal receipt acknowledged within X days.; Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more.; Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | Escrow account established, and appraisal receipt acknowledged within X days.; |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D C A |
| 2023020238 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and CU Score is Greater Than X.X | Xrd party valuation is required as CU score is X.X. Lender to provide. | Copy of AVM dated X/XX/XXX received. Updating loan accordingly. |  | Third Party Valuation Product Provided. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020238 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible or Unavailable. | Third Party Valuation Product Not Provided and FHLMC Collateral Rep & Warrant Relief is Not Eligible. | Copy of AVM dated X/XX/XXX received. Updating loan accordingly. |  | Third Party Valuation Product Provided. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020238 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided | Xrd party valuation is required as CU score is X.X. Lender to provide. | Copy of AVM dated X/XX/XXX received. Updating loan accordingly. |  | Third Party Valuation Product Provided | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D A C |
| 2023020238 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation.; Need evidence borrower received CD X business days prior to consummation XX/XX/XXX. Per disclosure tracking missing iniital CD XX/XX/XXX. | Initial CD dated X/XX/XXX received. Updating loan accordingly. |  | This loan passed the initial closing disclosure delivery date test.(XX CFR §XXX.XX(f)(X)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except XXX and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.The creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX.XX(f)(X)(i) no later than three business days before consummation. | X/XX/XXX | Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. D C A |
| 2023020299 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Escrow account established, and appraisal receipt acknowledged within X days. | X/X/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020299 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020248 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Please provide evidence of Appraisal Delivery to Borrower.; Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | Escrow account established, and appraisal receipt acknowledged within X days. |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020248 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020248 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Higher-Priced Mortgage Loan Evidence of Appraisal Delivery to the Borrower Not Provided (XX CFR XXX.XX(c)(X)) | Evidence of Appraisal Delivery to the Borrower Not Provided.; Please provide evidence of Appraisal Delivery to Borrower. | Copy of Appraisal Acknowledgedment dated X/XX/XXX received. Exception cleared. |  | Evidence of Appraisal Delivery to the Borrower Provided. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020308 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020308 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Borrower Liabilities Verification Indicator is Partial | Borrower liabilities verified indicator is Partial. Verification of the PITIA on XXX XXX is not included in the imaged loan file. This property was purchased simultaneous with the subject. Lender to provide a final CD and Note. | Final closing documents for XXX XXX were provided/verified. Exception cleared. |  | Borrower liabilities verified indicator is Present | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020308 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Residual income does not meet guidelines. | Residual income of - XXX.XX does not meet minimum guidelines. Per program guidelines; minimum required residual income is $X,XXX. Lender did not acknowledge on CRSE. | Updated CRSE received. Client acknowledges: Income-Residual Income. Guidelines - XXX; Actual - XXX. Rationale - Ok for residual income difference of $XXX. LTV low and we have reserves over XXX months verified. Compensating Factors: Qualifying Credit Score is XXX; XX.XXX% (Housing Ratio) or XX.XXX% (Total); Borrower with same Employer/Business for X years; Verified Reserves are XXX; XXX ? last XX months; Qualifying LTV is XX.XXX. Acknowledged by Client. | Updated CRSE received. Client acknowledges: Income-Residual Income. Guidelines - XXX; Actual - XXX. Rationale - Ok for residual income difference of $XXX. LTV low and we have reserves over XXX months verified. Compensating Factors: Qualifying Credit Score is XXX; XX.XXX% (Housing Ratio) or XX.XXX% (Total); Borrower with same Employer/Business for X years; Verified Reserves are XXX; XXX ? last XX months; Qualifying LTV is XX.XXX. Acknowledged by Client. | Change severity of 'Residual income does not meet guidelines.' from Material to Non-Material.; Change status of 'Residual income does not meet guidelines.' from Active to Acknowledged by Client.;<br> Updated CRSE received. Client acknowledges: Income-Residual Income. Guidelines - XXX; Actual - XXX. Rationale - Ok for residual income different of $XXX. LTV low and we have reserves over XXX months verified. Compensating Factors : Qualifying Credit Score is XXX; XX.XXX% (housing Ratio) or XX.XXX% (Total); Borrower with same Employer/Business for X years; Verified Reserves are XXX; XXX ? last XX months; Qualifying LTV is XX.XXX. Acknowledged by client. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020308 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | Payment shock exceeds lender guidelines | Payment shock of XXX.XX exceeds the lender guidelines tolerance for payment shock. Per program guidelines; First-time home buyers maximum payment shock allowed is XXX%. Lender did not acknowledge on CRSE. | Per guidelines, Payment shock is calculated at X% less than original calculation. Loan does not exceed tolerance. Exception cleared. |  | Payment shock of XXX.XX does not exceed the lender guidelines tolerance for payment shock. | X/XX/XXX | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of ___ is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020313 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within X days.; Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. |  |  | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Change severity of 'Higher-Priced Mortgage Loan' from Non-Material to Material.; Escrow account established, and appraisal receipt acknowledged within X days. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020313 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Liquid Reserves are less than Guidelines Required | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Per CRSE, Assets-Reserves was acknowledged by client. Guideline - X mos reserves; Actual - X mos reserves verified. Rationale - Low payment shock. Front DTI>XX% below max. Residual Income. Compensating Factors : Borrower with same Employer/Business for XX years; Residual Income of $XXX. Acknowledged by Client.; Change severity of 'Liquid Reserves are less than Guidelines Required' from Material to Non-Material.; CRS on page XXX Notes the exception of only X months reserves; The liquid reserves of X.XX months or $XXX.XX, are less than the Guidelines minimum required of X.XX or $XXX.XX. |  |  | Change status of 'Liquid Reserves are less than Guidelines Required' from Active to Acknowledged by Client.<br> Per CRSE, Assets-Reserves was acknowledged by client. Guideline - X mos reserves; Actual - X mos reserves verified. Rationale - Low payment shock. Front DTI>XX% below max. Residual Income. Compensating Factors : Borrower with same Employer/Business for XX years; Residual Income of $XXX. Acknowledged by Client | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020313 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Unresolved derogatory credit | Change severity of 'Unresolved derogatory credit' from Material to Non-Material.; Borrower has unresolved derogatory credit. ; Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.<br> Per CRSE, Credit - Judgments/Collections/Tax Liens - Acknowledged by client. Guideline - No collections in past XX mos; Actual - Small $XXX collection. Rationale - Low payment shock. Front DTI>XX% below max. Residual Income. Compensating Factors : Borrower with same Employer/Business for XX years; Residual Income of $XXX. Acknowledged by Client. |  |  | Change severity of 'Unresolved derogatory credit' from Material to Non-Material.; Borrower has unresolved derogatory credit. ; Change status of 'Unresolved derogatory credit' from Active to Acknowledged by Client.<br> Per CRSE, Credit - Judgments/Collections/Tax Liens - Acknowledged by client. Guideline - No collections in past XX mos; Actual - Small $XXX collection. Rationale - Low payment shock. Front DTI>XX% below max. Residual Income. Compensating Factors : Borrower with same Employer/Business for XX years; Residual Income of $XXX. Acknowledged by Client. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020313 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020313 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | Homeownership Counseling Disclosure is Missing | The homeownership disclosure is Missing | Homeownership Counseling Disclosure : Homeownership Counseling document dated X/XX/XXX received. Exception cleared. |  | The homeownership disclosure is recieved. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020253 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Compliance | Higher-Priced Mortgage Loan | Change severity of 'Higher-Priced Mortgage Loan' from Material to Non-Material.; Lender Acknowledged HPML Disclosure; Escrow account established, and appraisal receipt acknowledged within X days.; Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of XXX X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. |  |  | Higher-Priced Mortgage Loan (XX CFR §XXX.XX(a)(X))The loan is a higher-priced mortgage loan due to the following findings:The loan has a date creditor received application on or after the effective date of June X, XXX, and either:The loan is secured by a first lien with a principal obligation at consummation that does not exceed the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is secured by a first lien with a principal obligation at consummation that exceeds the limit in effect as of the date the transaction's interest rate is set for the maximum principal obligation eligible for purchase by Freddie Mac and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more; orThe loan is a subordinate lien and the APR exceeds the Average Prime Offer Rate (X.XXX%) by X.X% or more. | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020253 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Lender guidelines state a loan amount of $X,XXX,XXX has a max DTI of XX%. Borrower exceeds the max DTI guideline; Qualifying DTI of XX.XXX exceeds guideline maximum of XX.XX. | Received updated CRSE. Client acknowledges: Exception Type - Program Debt Ratios; Guidelins - XX; Actual - XX.X; Rationale - Exception for XX.XXX%. DTTI on a LTV greater than XX%. Compensating Factors : Qualifying Credit Score is XXX; Residual Income of $XXX. Acknowledged by Client. <br> rec'd email requesting verification of DTI |  | Received updated CRSE. Client acknowledges: Exception Type - Program Debt Ratios; Guideline - XX; Actual - XX.X; Rationale - Exception for XX.XXX% DTI on a LTV greater than XX%. Compensating Factors : Qualifying Credit Score is XXX; Residual Income of $XXX. Acknowledged by Client. ; Lender guidelines state LTV >XX% has a max DTI of XX%. Borrower exceeds the max DTI guideline. | X/XX/XXX | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020252 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence X.XX years A |
| 2023020321 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020260 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Acknowledged | Credit | Qualifying DTI exceeds Guideline Maximum Allowable | Qualifying DTI of XX.XX exceeds guideline maximum of XX.XX.; Per guidelines, Max LTV of XX% has Max DTI of XX%. Exception for exceeding DTI is required. | Received updated CRSE - Exception Type - Program-Debt Ratios. Guidelines - XX%; Actual - XX%. Rationale - Borrower has been on time with payments and has good stable work. Compensating Factors : Qualifying Credit Score is XXX; XX.XXX% (Housing Ratio) or XX.XXX% (Total); Borrower with same Employer/Business for XX years; Residual Income of $XXX; XXX - last XX months. Acknowledged by Client | XXX |  | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020260 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Property | Third Party Valuation Product not Provided. | Third Party Valuation Product not Provided to Support Origination Appraised Value within XX%.; UCDP docs not provided. Loan amount >$XXXK. Please provide TPV documentation. | Third party valuation product provided. Value supported. Exception cleared.Third party AVM value of XXX.XX with a variance of - XX.XX exceeds XX% allowable variance. Received Property Details report with AVM. updating loan accordingly. ; UCDP docs not provided. Loan amount >$XXXK. Please provide TPV documentation. | XXX | Third party valuation product provided. Value supported. Exception cleared Third Party Valuation Product Provided | X/X/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XXX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020259 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020259 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  |  |  | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020259 | xxxx | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Closed | XXX | Cleared | Credit | Unresolved derogatory credit | Borrower has unresolved derogatory credit. See page XXX for explanation | Pg XXX shows explanation of the derogatory accounts and proof account was settled over XX months ago. Exception cleared. |  | Borrower has no unresolved derogatory credit. | X/XX/XXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years A |
| 2023020176 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020176 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020177 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020177 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XXX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. ; Borrower Years On Job Exceeds XX Years - Borrower Years On Job Exceeds XX Years A |
| 2023020178 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020178 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of X.XX is less than the Guideline DTI of XX.XX. ; Borrower X has significant job time - Borrower has X.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence X.XX years ; Borrower has stable job time - Borrower has X.XX years at job. A |
| 2023020208 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |
| 2023020208 | xxxx | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Closed | XXX | Cleared | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Calculated DTI is Less than the Guideline Maximum - Calculated DTI of XX.XX is less than the Guideline DTI of XX.XX. ; Original LTV is Below the Guideline Maximum - Calculated LTV of XX.XX is less than Guideline LTV of XX.XX. ; Original CLTV is Below the Guideline Maximum - Calculated CLTV of XX.XX is less than Guideline CLTV of XX.XX. ; Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is Greater than the Guideline Minimum of XXX. ; Liquid Reserves are Greater than the Guideline Minimum - Liquid Reserves of XX.XX months or $XXX.XX are greater than the Guideline Minimum of X.XX or $XXX.XX. ; Borrower X has significant job time - Borrower has XX.XX years on job ; Borrower has more than X years at current residence - Borrower at current residence XX.XX years ; Borrower has stable job time - Borrower has XX.XX years at job. A |

---

## Exhibit 99.8

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | **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** | **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** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **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 %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CU Score** | **R&W Eligible** |
| 2023020015 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 2023020168 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 2023020167 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020173 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 2023020014 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 2023020172 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 2023020171 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |  |
| 2023020166 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 2023020018 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |  |
| 2023020017 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023020013 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 2023020170 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 2023020169 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 2023020016 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1004C |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023020022 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Not Eligible |
| 2023020033 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | Not Eligible |
| 2023020034 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020032 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Not Eligible |
| 2023020021 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020216 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020274 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020219 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 2023020275 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 2023020273 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 465 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020215 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020217 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 2023020218 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020230 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 2023020283 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020209 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| 2023020271 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020212 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020211 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023020270 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020210 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020213 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Not Eligible |
| 2023020214 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020236 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Eligible |
| 2023020295 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 2023020294 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020298 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020293 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020237 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Not Eligible |
| 2023020296 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020297 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020235 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Not Eligible |
| 2023020042 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020041 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Not Eligible |
| 2023020027 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020039 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 2023020026 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Eligible |
| 2023020043 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020045 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Eligible |
| 2023020044 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 2023020028 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | Eligible |
| 2023020040 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Eligible |
| 2023020029 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 2023020305 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020245 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020304 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020241 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020247 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Not Eligible |
| 2023020239 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020310 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 2023020311 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020312 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020303 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020244 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Not Eligible |
| 2023020250 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020251 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020302 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020243 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020306 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020301 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| 2023020246 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023020300 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020242 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 2023020307 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020309 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020249 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020240 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 2023020025 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 2023020036 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020037 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020023 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1075 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | Not Eligible |
| 2023020024 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020038 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020285 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 2023020290 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020288 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 2023020284 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| 2023020292 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020232 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Eligible |
| 2023020289 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | Not Eligible |
| 2023020231 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020233 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| 2023020291 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020286 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020287 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020225 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020229 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020226 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Not Eligible |
| 2023020227 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020281 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 2023020282 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020280 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020228 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020234 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020238 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 2023020260 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020259 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020299 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023020248 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020308 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020313 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020253 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 2023020252 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020321 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020046 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020047 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 2023020314 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Not Eligible |
| 2023020316 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.7 | Eligible |
| 2023020318 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | Not Eligible |
| 2023020258 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020315 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020320 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020255 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 | Not Eligible |
| 2023020319 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020254 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Eligible |
| 2023020317 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | Not Eligible |
| 2023020257 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020256 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 2023020030 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Not Eligible |
| 2023020031 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Not Eligible |
| 2023020020 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020019 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | Eligible |
| 2023020190 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020197 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1004C |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Not Eligible |
| 2023020186 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 2023020184 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020192 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| 2023020263 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023020200 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020195 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Eligible |
| 2023020194 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020261 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020203 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020198 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 2023020185 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020196 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020202 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | Not Eligible |
| 2023020206 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020262 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020179 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020267 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020187 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020181 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020205 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020188 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020265 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020193 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020183 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020191 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 2023020182 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020199 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| 2023020204 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 2023020180 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | Eligible |
| 2023020266 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 2023020269 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 2023020201 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020189 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020268 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| 2023020264 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | Eligible |
| 2023020207 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| 2023020272 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023020007 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 |  |
| 2023020011 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 2023020150 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 2023020160 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 2023020006 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 2023020012 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 2023020147 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 2023020157 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |  |
| 2023020009 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |  |
| 2023020151 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |  |
| 2023020149 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 2023020153 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 2023020156 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |  |
| 2023020146 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020002 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023020008 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 2023020145 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023020148 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |  |
| 2023020152 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 2023020155 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 2023020154 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020159 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 2023020161 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |  |
| 2023020158 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 2023020144 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |  |
| 2023020010 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 2023020005 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 2023020004 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 2023020003 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |  |
| 2023020164 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020165 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 2023020174 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 | Eligible |
| 2023020175 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 2023020163 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023020279 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | Not Eligible |
| 2023020224 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |  |
| 2023020162 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |  |
| 2023020875 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | Form 1025 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |
| 2023020035 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 2023020278 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| 2023020277 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | Eligible |
| 2023020221 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020220 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020276 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | Not Eligible |
| 2023020222 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020223 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Eligible |
| 2023020870 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |
| 2023020880 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020208 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| 2023020178 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |
| 2023020177 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | Eligible |
| 2023020869 |  | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Not Eligible |
| 2023020876 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 2023020176 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | URAR Form 1004 Form 70 |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |

---

## Exhibit 99.9

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Balance** |
| 2023020033 | xxxx | xxxx | xxxx A |
| 2023020022 | xxxx | xxxx | xxxx C A D B |
| 2023020034 | xxxx | xxxx | xxxx A |
| 2023020021 | xxxx | xxxx | xxxx A D |
| 2023020216 | xxxx | xxxx | xxxx C A D B |
| 2023020217 | xxxx | xxxx | xxxx A |
| 2023020219 | xxxx | xxxx | xxxx A D |
| 2023020274 | xxxx | xxxx | xxxx C A B |
| 2023020275 | xxxx | xxxx | xxxx A |
| 2023020224 | xxxx | xxxx | xxxx A |
| 2023020279 | xxxx | xxxx | xxxx A |
| 2023020273 | xxxx | xxxx | xxxx A C B |
| 2023020230 | xxxx | xxxx | xxxx D A |
| 2023020032 | xxxx | xxxx | xxxx C A B |
| 2023020215 | xxxx | xxxx | xxxx A C D |
| 2023020283 | xxxx | xxxx | xxxx C A D |
| 2023020277 | xxxx | xxxx | xxxx A |
| 2023020221 | xxxx | xxxx | xxxx C A |
| 2023020278 | xxxx | xxxx | xxxx C A D B |
| 2023020035 | xxxx | xxxx | xxxx C A |
| 2023020220 | xxxx | xxxx | xxxx A |
| 2023020276 | xxxx | xxxx | xxxx A |
| 2023020222 | xxxx | xxxx | xxxx A |
| 2023020223 | xxxx | xxxx | xxxx A |
| 2023020225 | xxxx | xxxx | xxxx C A |
| 2023020229 | xxxx | xxxx | xxxx A C B |
| 2023020227 | xxxx | xxxx | xxxx C A |
| 2023020226 | xxxx | xxxx | xxxx C A B |
| 2023020282 | xxxx | xxxx | xxxx A |
| 2023020281 | xxxx | xxxx | xxxx A C B |
| 2023020228 | xxxx | xxxx | xxxx A |
| 2023020280 | xxxx | xxxx | xxxx D C A B |
| 2023020023 | xxxx | xxxx | xxxx A |
| 2023020036 | xxxx | xxxx | xxxx A C B |
| 2023020284 | xxxx | xxxx | xxxx C A B |
| 2023020233 | xxxx | xxxx | xxxx A |
| 2023020024 | xxxx | xxxx | xxxx A C |
| 2023020292 | xxxx | xxxx | xxxx A |
| 2023020025 | xxxx | xxxx | xxxx A |
| 2023020290 | xxxx | xxxx | xxxx A C B |
| 2023020232 | xxxx | xxxx | xxxx A C B |
| 2023020037 | xxxx | xxxx | xxxx C A D B |
| 2023020285 | xxxx | xxxx | xxxx D C A B |
| 2023020231 | xxxx | xxxx | xxxx C A B |
| 2023020038 | xxxx | xxxx | xxxx D C A B |
| 2023020288 | xxxx | xxxx | xxxx A C B |
| 2023020291 | xxxx | xxxx | xxxx C A |
| 2023020286 | xxxx | xxxx | xxxx C A B |
| 2023020287 | xxxx | xxxx | xxxx D C A B |
| 2023020289 | xxxx | xxxx | xxxx A C |
| 2023020236 | xxxx | xxxx | xxxx C A B |
| 2023020235 | xxxx | xxxx | xxxx A |
| 2023020298 | xxxx | xxxx | xxxx C A B |
| 2023020297 | xxxx | xxxx | xxxx A C B |
| 2023020295 | xxxx | xxxx | xxxx A |
| 2023020237 | xxxx | xxxx | xxxx A D |
| 2023020296 | xxxx | xxxx | xxxx A |
| 2023020294 | xxxx | xxxx | xxxx A |
| 2023020293 | xxxx | xxxx | xxxx C A B |
| 2023020042 | xxxx | xxxx | xxxx A C B |
| 2023020039 | xxxx | xxxx | xxxx A C B |
| 2023020026 | xxxx | xxxx | xxxx A C B |
| 2023020044 | xxxx | xxxx | xxxx D C A B |
| 2023020028 | xxxx | xxxx | xxxx D A B |
| 2023020029 | xxxx | xxxx | xxxx C A |
| 2023020305 | xxxx | xxxx | xxxx C A B |
| 2023020303 | xxxx | xxxx | xxxx A C B |
| 2023020243 | xxxx | xxxx | xxxx A D |
| 2023020201 | xxxx | xxxx | xxxx D A B |
| 2023020027 | xxxx | xxxx | xxxx C A B |
| 2023020043 | xxxx | xxxx | xxxx A C B |
| 2023020045 | xxxx | xxxx | xxxx C A |
| 2023020040 | xxxx | xxxx | xxxx A |
| 2023020245 | xxxx | xxxx | xxxx A C B |
| 2023020304 | xxxx | xxxx | xxxx A C B |
| 2023020241 | xxxx | xxxx | xxxx A |
| 2023020247 | xxxx | xxxx | xxxx A |
| 2023020239 | xxxx | xxxx | xxxx A C B |
| 2023020310 | xxxx | xxxx | xxxx A |
| 2023020311 | xxxx | xxxx | xxxx D A |
| 2023020312 | xxxx | xxxx | xxxx A |
| 2023020244 | xxxx | xxxx | xxxx A C B |
| 2023020250 | xxxx | xxxx | xxxx C A |
| 2023020251 | xxxx | xxxx | xxxx A |
| 2023020302 | xxxx | xxxx | xxxx D A |
| 2023020301 | xxxx | xxxx | xxxx C A B |
| 2023020246 | xxxx | xxxx | xxxx C A |
| 2023020300 | xxxx | xxxx | xxxx A C B |
| 2023020242 | xxxx | xxxx | xxxx A C |
| 2023020307 | xxxx | xxxx | xxxx C A B |
| 2023020309 | xxxx | xxxx | xxxx C A B |
| 2023020249 | xxxx | xxxx | xxxx C A |
| 2023020240 | xxxx | xxxx | xxxx A |
| 2023020306 | xxxx | xxxx | xxxx A C B |
| 2023020046 | xxxx | xxxx | xxxx A C |
| 2023020314 | xxxx | xxxx | xxxx A C B |
| 2023020316 | xxxx | xxxx | xxxx A |
| 2023020318 | xxxx | xxxx | xxxx A |
| 2023020258 | xxxx | xxxx | xxxx C A |
| 2023020315 | xxxx | xxxx | xxxx C A B |
| 2023020320 | xxxx | xxxx | xxxx A |
| 2023020255 | xxxx | xxxx | xxxx A |
| 2023020319 | xxxx | xxxx | xxxx C A B |
| 2023020047 | xxxx | xxxx | xxxx A C B |
| 2023020254 | xxxx | xxxx | xxxx A |
| 2023020317 | xxxx | xxxx | xxxx A |
| 2023020256 | xxxx | xxxx | xxxx C A B |
| 2023020257 | xxxx | xxxx | xxxx D C A B |
| 2023020041 | xxxx | xxxx | xxxx A |
| 2023020199 | xxxx | xxxx | xxxx A D |
| 2023020203 | xxxx | xxxx | xxxx C A D B |
| 2023020204 | xxxx | xxxx | xxxx A D |
| 2023020205 | xxxx | xxxx | xxxx A D |
| 2023020211 | xxxx | xxxx | xxxx C A D B |
| 2023020207 | xxxx | xxxx | xxxx C A D B |
| 2023020214 | xxxx | xxxx | xxxx A D |
| 2023020271 | xxxx | xxxx | xxxx A D |
| 2023020218 | xxxx | xxxx | xxxx C D A |
| 2023020876 | xxxx | xxxx | xxxx A |
| 2023020002 | xxxx | xxxx | xxxx A |
| 2023020013 | xxxx | xxxx | xxxx A |
| 2023020014 | xxxx | xxxx | xxxx C A D B |
| 2023020003 | xxxx | xxxx | xxxx C A B |
| 2023020004 | xxxx | xxxx | xxxx A C |
| 2023020005 | xxxx | xxxx | xxxx A |
| 2023020006 | xxxx | xxxx | xxxx C A D B |
| 2023020007 | xxxx | xxxx | xxxx A |
| 2023020015 | xxxx | xxxx | xxxx C A D |
| 2023020008 | xxxx | xxxx | xxxx A C |
| 2023020016 | xxxx | xxxx | xxxx A |
| 2023020009 | xxxx | xxxx | xxxx A |
| 2023020030 | xxxx | xxxx | xxxx A |
| 2023020010 | xxxx | xxxx | xxxx C A B |
| 2023020017 | xxxx | xxxx | xxxx A |
| 2023020011 | xxxx | xxxx | xxxx C B A |
| 2023020031 | xxxx | xxxx | xxxx A C D |
| 2023020019 | xxxx | xxxx | xxxx A C |
| 2023020020 | xxxx | xxxx | xxxx D A |
| 2023020012 | xxxx | xxxx | xxxx A C B |
| 2023020018 | xxxx | xxxx | xxxx A D |
| 2023020144 | xxxx | xxxx | xxxx A |
| 2023020145 | xxxx | xxxx | xxxx A |
| 2023020146 | xxxx | xxxx | xxxx A |
| 2023020147 | xxxx | xxxx | xxxx A D |
| 2023020148 | xxxx | xxxx | xxxx C A B |
| 2023020149 | xxxx | xxxx | xxxx A |
| 2023020166 | xxxx | xxxx | xxxx A |
| 2023020150 | xxxx | xxxx | xxxx A |
| 2023020151 | xxxx | xxxx | xxxx A |
| 2023020152 | xxxx | xxxx | xxxx A |
| 2023020153 | xxxx | xxxx | xxxx A |
| 2023020154 | xxxx | xxxx | xxxx B A |
| 2023020155 | xxxx | xxxx | xxxx A |
| 2023020156 | xxxx | xxxx | xxxx A C B |
| 2023020157 | xxxx | xxxx | xxxx A D |
| 2023020158 | xxxx | xxxx | xxxx A |
| 2023020159 | xxxx | xxxx | xxxx C A B |
| 2023020160 | xxxx | xxxx | xxxx C A |
| 2023020161 | xxxx | xxxx | xxxx A |
| 2023020167 | xxxx | xxxx | xxxx A |
| 2023020168 | xxxx | xxxx | xxxx A D |
| 2023020169 | xxxx | xxxx | xxxx A |
| 2023020170 | xxxx | xxxx | xxxx A |
| 2023020171 | xxxx | xxxx | xxxx A D |
| 2023020179 | xxxx | xxxx | xxxx A D |
| 2023020172 | xxxx | xxxx | xxxx A |
| 2023020173 | xxxx | xxxx | xxxx A |
| 2023020180 | xxxx | xxxx | xxxx A |
| 2023020261 | xxxx | xxxx | xxxx C D A |
| 2023020181 | xxxx | xxxx | xxxx A B |
| 2023020182 | xxxx | xxxx | xxxx A |
| 2023020183 | xxxx | xxxx | xxxx C D A |
| 2023020184 | xxxx | xxxx | xxxx A |
| 2023020185 | xxxx | xxxx | xxxx A |
| 2023020186 | xxxx | xxxx | xxxx C A B |
| 2023020187 | xxxx | xxxx | xxxx A |
| 2023020188 | xxxx | xxxx | xxxx A C D |
| 2023020189 | xxxx | xxxx | xxxx A |
| 2023020190 | xxxx | xxxx | xxxx A |
| 2023020191 | xxxx | xxxx | xxxx C B D A |
| 2023020192 | xxxx | xxxx | xxxx A |
| 2023020193 | xxxx | xxxx | xxxx A |
| 2023020194 | xxxx | xxxx | xxxx A D |
| 2023020195 | xxxx | xxxx | xxxx A |
| 2023020196 | xxxx | xxxx | xxxx A D |
| 2023020197 | xxxx | xxxx | xxxx C A |
| 2023020198 | xxxx | xxxx | xxxx A |
| 2023020200 | xxxx | xxxx | xxxx C D A |
| 2023020262 | xxxx | xxxx | xxxx D A |
| 2023020263 | xxxx | xxxx | xxxx A |
| 2023020202 | xxxx | xxxx | xxxx A D |
| 2023020209 | xxxx | xxxx | xxxx A |
| 2023020270 | xxxx | xxxx | xxxx A |
| 2023020264 | xxxx | xxxx | xxxx A |
| 2023020265 | xxxx | xxxx | xxxx A |
| 2023020266 | xxxx | xxxx | xxxx A |
| 2023020210 | xxxx | xxxx | xxxx A |
| 2023020267 | xxxx | xxxx | xxxx C A |
| 2023020268 | xxxx | xxxx | xxxx A |
| 2023020206 | xxxx | xxxx | xxxx D A |
| 2023020269 | xxxx | xxxx | xxxx A |
| 2023020212 | xxxx | xxxx | xxxx C A |
| 2023020213 | xxxx | xxxx | xxxx A C D |
| 2023020163 | xxxx | xxxx | xxxx D A |
| 2023020164 | xxxx | xxxx | xxxx A |
| 2023020174 | xxxx | xxxx | xxxx C A D |
| 2023020162 | xxxx | xxxx | xxxx A |
| 2023020165 | xxxx | xxxx | xxxx A |
| 2023020175 | xxxx | xxxx | xxxx A |
| 2023020272 | xxxx | xxxx | xxxx A |
| 2023020875 | xxxx | xxxx | xxxx A |
| 2023020869 | xxxx | xxxx | xxxx C A B |
| 2023020870 | xxxx | xxxx | xxxx C A |
| 2023020880 | xxxx | xxxx | xxxx C A B |
| 2023020234 | xxxx | xxxx | xxxx C A B |
| 2023020238 | xxxx | xxxx | xxxx A C D B |
| 2023020299 | xxxx | xxxx | xxxx A C B |
| 2023020248 | xxxx | xxxx | xxxx A C B |
| 2023020308 | xxxx | xxxx | xxxx C A B |
| 2023020313 | xxxx | xxxx | xxxx C A B |
| 2023020253 | xxxx | xxxx | xxxx C A B |
| 2023020252 | xxxx | xxxx | xxxx A |
| 2023020321 | xxxx | xxxx | xxxx A |
| 2023020260 | xxxx | xxxx | xxxx C A B |
| 2023020259 | xxxx | xxxx | xxxx C A |
| 2023020176 | xxxx | xxxx | xxxx A |
| 2023020177 | xxxx | xxxx | xxxx A |
| 2023020178 | xxxx | xxxx | xxxx A |
| 2023020208 | xxxx | xxxx | xxxx A |

---

## Exhibit 99.10

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.10**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Account Number** | **Field ID** | **Original Field Value** | **Audit Value** |  |
| 2023020016 | Original_CLTV | XXX | XXX | False |
| 2023020168 | Original_CLTV | XXX | XXX | False |
| 2023020249 | Original_CLTV | XXX | XXX | False |
| 2023020016 | Original_LTV | XXX | XXX | False |
| 2023020168 | Original_LTV | XXX | XXX | False |
| 2023020029 | originator_DTI | XXX | XXX | False |
| 2023020285 | originator_DTI | XXX | XXX | False |
| 2023020289 | originator_DTI | XXX | XXX | False |
| 2023020232 | originator_DTI | XXX | XXX | False |
| 2023020301 | originator_DTI | XXX | XXX | False |
| 2023020291 | originator_DTI | XXX | XXX | False |
| 2023020307 | originator_DTI | XXX | XXX | False |
| 2023020320 | originator_DTI | XXX | XXX | False |

---

## Exhibit 99.11

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.11**

---

| | |
|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;![](ex9911001.jpg) <br> **AOMT 2023-2**<br>| &nbsp;&nbsp;&nbsp;Mortgage Loan Sale Executive Summary Report<br>![](ex9911002.jpg) |

---

 ****

0 \| P a g e

 ****

**TABLE OF CONTENTS**

---

| | |
|:---|:---|
| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 14.0 |
| Tape Integrity Review Results Summary | 14.0 |
| Additional Loan Population Summary | 15.0 |

---

1 \| P a g e

**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

2 \| P a g e

**Description of the due diligence performed**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Angel Oak Mortgage Fund EU B LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of five hundred and fifty-two (552) mortgage loans that were originally reviewed from February 2021 to October 2022.

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

The mortgage loan review was broken down into the following review scopes:

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review": 304 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review": 552 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 552 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 552 Mortgage Loans

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

Infinity 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 Infinity.

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

For five hundred and fifty-two (552) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Fag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

---

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

Infinity conducted a credit review for five hundred and fifty-two (552) mortgage loans. At that time, Infinity reviewed the 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 Infinity 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.

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There were 10 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity 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:** Infinity'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, Infinity: (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 date 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:** Infinity 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:** Infinity 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, Infinity 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 Infinity. During the course of this review, Infinity (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.

**Occupancy Review:** Infinity 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, Infinity 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

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

If a report was present, Infinity 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, Infinity 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:** Infinity'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:** Infinity 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.

**Business Purpose/DSCR Scope:** Infinity conducted business purpose/property focused Investor review for two hundred and thirteen (213) mortgage loans with DSCR calculation. There were seven (7) mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed credit reporting, VOR/VOM, Background Check(s), and any applicable Letter(s) of Explanation to confirm accuracy, adherence to credit policy requirements, and consistency with the Final Loan Approval worksheet, (v) reviewed HUD-1's, Title Search, Purchase Agreements, existing leases/rent rolls, and verification of funds with loan terms, and underwritten approved terms and amounts/LTV/LTC as well as adherence to credit policy requirements, (vi) reviewed LOI/LOE(s) for presence of un-qualified statement of business and occupancy intent, confirmation that the LOI/LOE cited address is consistent with the subject property address, and that signatory(s) are consistent with the identified borrower(s)/guarantor(s), (vii) reviewed Final Form 1003/Loan application to ensure complete execution that the subject property listed is consistent with the subject property, and that the listed residence

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for the Individual(s) is an address other than the subject property, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed final loan approval worksheets for accuracy, completion, documentation of approval for any exceptions, and evaluating such items for agreement/consistency with all other documentation contained in the review file (xi) reviewed the Certification of Business Purpose and Certification of Non-Owner Occupancy and Indemnity for presence of completed fields and verifying that the handwritten Primary Residence address differs from the subject property address and is signed/dated as required (xii) verified presence of a complete Certification of Non-Owner Occupancy and Indemnity document for each individual borrower/co-borrower/guarantor identified within the subject note/guaranty agreement, including the presence of either individual certifications or one certificate containing all required signatures, (xiii) compared the Primary Residence address(es) listed for consistency between the Final Form 1003/Loan application(s) and the Certification(s) of Non-Owner Occupancy and Indemnity, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity sums per the guidelines the principal and interest payment as well as the tax, insurance and HOA payment to arrive at a monthly property expense. This number is used as the denominator to the monthly lease or estimated lease income as per the guidelines.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for five hundred and fifty-two (552) mortgage loans. For these five hundred and fifty-two (552) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

Infinity'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. Infinity'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 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, Infinity'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 Infinity'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)

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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 Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity 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 Infinity'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.

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

Infinity completed a Compliance Review on three hundred and four (304) mortgage loans. Please be advised that Infinity 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 Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity 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):</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;

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

&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> 

&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, Infinity 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, Infinity'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;g) <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;h) <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;i) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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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 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 any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;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 were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the CD;

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

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

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

vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") 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

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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 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)).

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity 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, Infinity 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) at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z). This portion of the Review includes a recalculation of all income and liabilities with attention to the appropriate documentation of each source.

If a 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, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity 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, Infinity 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.

11 \| P a g e

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

Infinity 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.

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity 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**

Infinity 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

12 \| P a g e

Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity 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**

Infinity 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;

&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.

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSRO listed in Item 3 of the ABS Due Diligence 15E, Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (552 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers five hundred and fifty-two (552) mortgage loans. Within those mortgage loans, Infinity graded five hundred and ten (510) mortgage loans as "A" and forty-two (42) mortgage loans as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;295 | &nbsp;&nbsp;519 | &nbsp;&nbsp;552 | &nbsp;&nbsp;510 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;33 | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;97.04% | &nbsp;&nbsp;94.02% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;92.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2.96% | &nbsp;&nbsp;5.98% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;7.61% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (552 Mortgage Loans)**

Of the five hundred and fifty-two (552) mortgage loans reviewed, 122 (22.10%) mortgage loans had tape discrepancies across eleven (11) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% # <br> Loans** |
| &nbsp;&nbsp;B1 Credit Score | &nbsp;&nbsp;27 | &nbsp;&nbsp;552 | &nbsp;&nbsp;4.89% |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;56 | &nbsp;&nbsp;552 | &nbsp;&nbsp;10.14% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;25 | &nbsp;&nbsp;552 | &nbsp;&nbsp;4.53% |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;7 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Original Balance (or Line Amount) | &nbsp;&nbsp;1 | &nbsp;&nbsp;552 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;7 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;7 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;6 | &nbsp;&nbsp;552 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;552 | &nbsp;&nbsp;2.36% |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;17 | &nbsp;&nbsp;552 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;16 | &nbsp;&nbsp;552 | &nbsp;&nbsp;2.90% |

---

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**ADDITIONAL LOAN POPULATION SUMMARY (552 Mortgage Loans)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;552 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$289495296.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$289495296.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;552 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$289495296.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$289495296.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi - Purpose/Unknown | &nbsp;&nbsp;117 | &nbsp;&nbsp;21.19% | &nbsp;&nbsp;$61512640.00 | &nbsp;&nbsp;21.25% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;105 | &nbsp;&nbsp;19.02% | &nbsp;&nbsp;$55632942.00 | &nbsp;&nbsp;19.22% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;246 | &nbsp;&nbsp;44.57% | &nbsp;&nbsp;$119591140.00 | &nbsp;&nbsp;41.31% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;84 | &nbsp;&nbsp;15.22% | &nbsp;&nbsp;$52758574.00 | &nbsp;&nbsp;18.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$289495296.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original Balance** |
| &nbsp;&nbsp;180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$150025.00 | &nbsp;&nbsp;0.05% |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.36% | &nbsp;&nbsp;$3165200.00 | &nbsp;&nbsp;1.09% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;548 | &nbsp;&nbsp;99.28% | &nbsp;&nbsp;$285615071.00 | &nbsp;&nbsp;98.66% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.18% | &nbsp;&nbsp;$565000.00 | &nbsp;&nbsp;0.20% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$289495296.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;272 | &nbsp;&nbsp;49.27% | &nbsp;&nbsp;$183279594.00 | &nbsp;&nbsp;63.31% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;32 | &nbsp;&nbsp;5.80% | &nbsp;&nbsp;$20612929.00 | &nbsp;&nbsp;7.12% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;248 | &nbsp;&nbsp;44.93% | &nbsp;&nbsp;$85602773.00 | &nbsp;&nbsp;29.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**552** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$289495296.00** | &nbsp;&nbsp;**100.00%** |

---

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**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;TPR INV ICF Guidelines February 8 2021 |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines February 26 2021 |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines May 7 2021 |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines June 11 2021 |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines June 18 2021 |
| &nbsp;&nbsp;TPR INV ICF Guidelines August 30 2021 |
| &nbsp;&nbsp;TPR INV ICF Guidelines October 1 2021 |
| &nbsp;&nbsp;TPR INV ICF Guidelines May 26 2022 |
| &nbsp;&nbsp;TPR INV Portfolio Program Guidelines May 26 2022 |
| &nbsp;&nbsp;TPR INV ICF Guidelines June 20 2022 |

---

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## Exhibit 99.12

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| xxxx | 2023020722 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020621 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020734 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020470 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020600 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020331 | xxxx | XXX | xxxx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VD | VA |
| xxxx | 2023020782 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020579 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020526 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020403 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020451 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020357 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020484 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020763 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020671 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020085 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020356 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020092 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020499 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020396 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020468 | xxxx | XXX | xxxx | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020561 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| xxxx | 2023020714 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020378 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020761 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020683 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020764 | xxxx | XXX | xxxx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| xxxx | 2023020669 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020078 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020566 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020392 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020473 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020760 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020564 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020329 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020536 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020345 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020518 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020096 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020575 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020402 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020554 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020542 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020365 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020101 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020704 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020355 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020658 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020110 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020610 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020502 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020446 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020115 | xxxx | XXX | xxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020505 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020563 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020573 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020117 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020082 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020423 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020438 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020873 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VD | VA |
| xxxx | 2023020497 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020710 | xxxx | XXX | xxxx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| xxxx | 2023020341 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020775 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020703 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020407 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020080 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020783 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020322 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020391 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020479 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020657 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020495 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020716 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020456 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020729 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020690 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020105 | xxxx | XXX | xxxx | Secondary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| xxxx | 2023020340 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020746 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| xxxx | 2023020742 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020677 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020114 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020394 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020555 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020648 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020510 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020051 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020883 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020664 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020109 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020401 | xxxx | XXX | xxxx | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| xxxx | 2023020618 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020699 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020483 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020717 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020453 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020452 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020443 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020620 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020583 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020404 | xxxx | XXX | xxxx | Secondary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020567 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020439 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020350 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020413 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020696 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020507 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020642 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020469 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020615 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020496 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020646 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020480 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020747 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020571 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020354 | xxxx | XXX | xxxx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| xxxx | 2023020871 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020111 | xxxx | XXX | xxxx | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| xxxx | 2023020687 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020064 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020415 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020787 | xxxx | XXX | xxxx | Investor | Refinance B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020523 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020529 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020088 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020346 | xxxx | XXX | xxxx | Secondary | Purchase B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D CA | RD | RB | VA | VA |
| xxxx | 2023020506 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020718 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020551 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020754 | xxxx | XXX | xxxx | Investor | Refinance B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020416 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020749 | xxxx | XXX | xxxx | Primary | Purchase B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D CA | RD | RB | VA | VA |
| xxxx | 2023020364 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020434 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020098 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020450 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020454 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020333 | xxxx | XXX | xxxx | Primary | Purchase B | A D B | B | A D B | B | A D B | B | A D B | B | A D B CD CB | RB | RA | VA | VA |
| xxxx | 2023020576 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020086 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020517 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020048 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VD | VA |
| xxxx | 2023020466 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020368 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020570 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020489 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020607 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020584 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020437 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020700 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020478 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020338 | xxxx | XXX | xxxx | Primary | Refinance B | A B | B | A B | B | A B | B | A B | B | A B CB | RB | RA | VA | VA |
| xxxx | 2023020616 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020667 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020606 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020730 | xxxx | XXX | xxxx | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C CA | RC | RA | VA | VA |
| xxxx | 2023020090 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020720 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020348 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020358 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020519 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020604 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020711 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020719 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020574 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020071 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020572 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020083 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020586 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020663 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020694 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020426 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020063 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020362 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020619 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020079 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020689 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020705 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020500 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020460 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020095 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020344 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020387 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020397 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020513 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020771 | xxxx | XXX | xxxx | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B CB | RA | RA | VA | VA |
| xxxx | 2023020778 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020643 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020552 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020614 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020766 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C CC CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020531 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020750 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020744 | xxxx | XXX | xxxx | Secondary | Refinance B | A B | A | A B | A | A B | A | A B | A | A B CB | RA | RA | VA | VA |
| xxxx | 2023020737 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VA | VA |
| xxxx | 2023020769 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020881 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020516 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020882 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020440 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020624 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020735 | xxxx | XXX | xxxx | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C CA | RC | RA | VA | VA |
| xxxx | 2023020784 | xxxx | XXX | xxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020634 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020107 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020100 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020383 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020369 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020491 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| xxxx | 2023020371 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020405 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020072 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020770 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020482 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020592 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020638 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020398 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020465 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020698 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020532 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020336 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020706 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020459 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020471 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020116 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020463 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020602 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020512 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020877 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020530 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020653 | xxxx | XXX | xxxx | Secondary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020535 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020599 | xxxx | XXX | xxxx | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020594 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020073 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020389 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020447 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020326 | xxxx | XXX | xxxx | Secondary | Purchase B A | B A | B | B A | B | B A | B | B A | B | B A CA | RB | RB | VA | VA |
| xxxx | 2023020639 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020685 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020738 | xxxx | XXX | xxxx | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B CB | RA | RA | VA | VA |
| xxxx | 2023020508 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020647 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020656 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020874 | xxxx | XXX | xxxx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| xxxx | 2023020427 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020632 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020373 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020635 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020541 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020374 | xxxx | XXX | xxxx | Secondary | Purchase B A | B A D | D | B D A | D | B D A | D | B D A | D | B D A CA | RD | RB | VD | VA |
| xxxx | 2023020740 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020751 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020641 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020748 | xxxx | XXX | xxxx | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B CB | RA | RA | VA | VA |
| xxxx | 2023020445 | xxxx | XXX | xxxx | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020756 | xxxx | XXX | xxxx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VD | VA |
| xxxx | 2023020556 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020382 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| xxxx | 2023020122 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020074 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020731 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020342 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020113 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020400 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020325 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020773 | xxxx | XXX | xxxx | Primary | Cash Out B | A B | A | A B | A | A B | A | A B | A | A B CB | RA | RA | VA | VA |
| xxxx | 2023020504 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020380 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020674 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020682 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020596 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020626 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020675 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020786 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020668 | xxxx | XXX | xxxx | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020433 | xxxx | XXX | xxxx | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020417 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020580 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020077 | xxxx | XXX | xxxx | Secondary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020547 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020068 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020054 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020537 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020660 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020425 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020457 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020780 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020422 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020410 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020112 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020060 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020462 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020467 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020076 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020695 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020372 | xxxx | XXX | xxxx | Secondary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VD | VA |
| xxxx | 2023020605 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020527 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020640 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020593 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020637 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020055 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020611 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020104 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020759 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020709 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020680 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020093 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020106 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020581 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020670 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020725 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020732 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020662 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020053 | xxxx | XXX | xxxx | Primary | Refinance B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D CA | RD | RB | VA | VA |
| xxxx | 2023020788 | xxxx | XXX | xxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020723 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020757 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020661 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020353 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020609 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020335 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020652 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020688 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020123 | xxxx | XXX | xxxx | Investor | Cash Out B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CB | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020379 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020050 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020707 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020645 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020543 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020498 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020070 | xxxx | XXX | xxxx | Secondary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020481 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020386 | xxxx | XXX | xxxx | Primary | Purchase A | A C | C | A C | C | A C | C | A C | C | A C CA | RC | RA | VA | VA |
| xxxx | 2023020399 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020779 | xxxx | XXX | xxxx | Investor | Cash Out B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020087 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020057 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020724 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020733 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020494 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020678 | xxxx | XXX | xxxx | Secondary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020644 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020560 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020872 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020485 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020062 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020712 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020673 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020337 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020119 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020691 | xxxx | XXX | xxxx | Primary | Purchase B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D CD CA | RD | RB | VA | VA |
| xxxx | 2023020753 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020442 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020476 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020474 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020441 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020777 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020528 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020424 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020545 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020636 | xxxx | XXX | xxxx | Primary | Refinance A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020067 | xxxx | XXX | xxxx | Secondary | Purchase B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D CA | RD | RB | VA | VA |
| xxxx | 2023020728 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020412 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020708 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020522 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020058 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020608 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020377 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C | Not Applicable | Not Applicable C CC CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020363 | xxxx | XXX | xxxx | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| xxxx | 2023020323 | xxxx | XXX | xxxx | Primary | Refinance A | A D | A | A D | A | A D | A | A D | A | A D CD CA | RA | RA | VA | VA |
| xxxx | 2023020546 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020631 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020755 | xxxx | XXX | xxxx | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B CD CB | RA | RA | VA | VA |
| xxxx | 2023020097 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020745 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020569 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020650 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020102 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020629 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020360 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020568 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020488 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020633 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020503 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020587 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020590 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020617 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020121 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020785 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020565 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020099 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020352 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020477 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020347 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020613 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020701 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020108 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020384 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020084 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020649 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020879 | xxxx | XXX | xxxx | Primary | Purchase B | A B | B | A B | B | A B | B | A B | B | A B CB | RB | RA | VA | VA |
| xxxx | 2023020367 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020455 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020591 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020436 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020521 | xxxx | XXX | xxxx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| xxxx | 2023020582 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020588 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020059 | xxxx | XXX | xxxx | Secondary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020432 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020328 | xxxx | XXX | xxxx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VA | VA |
| xxxx | 2023020409 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020487 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020659 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020540 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020585 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020332 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VA | VA |
| xxxx | 2023020622 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020458 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020118 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020692 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VB | VA |
| xxxx | 2023020603 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020702 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020444 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020366 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020411 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020743 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020334 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B CC CB | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020419 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020713 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020069 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020120 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020758 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020726 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B | Not Applicable | Not Applicable C B CC CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020772 | xxxx | XXX | xxxx | Primary | Purchase A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020768 | xxxx | XXX | xxxx | Primary | Purchase A | A D | A | A D | A | A D | A | A D | A | A D CA | RA | RA | VD | VA |
| xxxx | 2023020094 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020449 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020515 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020562 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020598 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020351 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020525 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020361 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020681 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020534 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020741 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020091 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020752 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020388 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020654 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020686 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020524 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020715 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020349 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020578 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020421 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020727 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020431 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CD CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020330 | xxxx | XXX | xxxx | Primary | Purchase B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D CD CA | RD | RB | VA | VA |
| xxxx | 2023020049 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020549 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020739 | xxxx | XXX | xxxx | Investor | Refinance B | Not Applicable C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B | Not Applicable | Not Applicable D C B CC CB | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020420 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020370 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020762 | xxxx | XXX | xxxx | Primary | Purchase B | A B | A | A B | A | A B | A | A B | A | A B CB | RA | RA | VA | VA |
| xxxx | 2023020493 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020601 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020538 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020627 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020393 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020472 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020557 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020655 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020697 | xxxx | XXX | xxxx | Investor | Purchase B | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B | Not Applicable | Not Applicable D B CD CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020774 | xxxx | XXX | xxxx | Primary | Purchase B | A D B | A | A D B | A | A D B | A | A D B | A | A D B CD CB | RA | RA | VA | VA |
| xxxx | 2023020081 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020448 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020418 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020486 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020511 | xxxx | XXX | xxxx | Primary | Cash Out A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020056 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020520 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020676 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020385 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020595 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020428 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020052 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020475 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020666 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020429 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020066 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020490 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020544 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020492 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020390 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020630 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020665 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020395 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CB CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020376 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020509 | xxxx | XXX | xxxx | Primary | Purchase A | A B | A | A B | A | A B | A | A B | A | A B CB CA | RA | RA | VA | VA |
| xxxx | 2023020765 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020533 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020672 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CD CA | RD | RA | VA | VA |
| xxxx | 2023020103 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020589 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020625 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020789 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020375 | xxxx | XXX | xxxx | Primary | Purchase B A | B A D | D | B A D | D | B A D | D | B A D | D | B A D CA | RD | RB | VA | VA |
| xxxx | 2023020501 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020553 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020548 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020736 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020327 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020430 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020559 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020464 | xxxx | XXX | xxxx | Investor | Refinance B | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B | Not Applicable | Not Applicable B CA CB | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020628 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020781 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020065 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020776 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020339 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020597 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020514 | xxxx | XXX | xxxx | Primary | Purchase A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020414 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020679 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020343 | xxxx | XXX | xxxx | Primary | Purchase A | A D | B | A D | B | A D | B | A D | B | A D CD CA | RB | RA | VD | VA |
| xxxx | 2023020693 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020684 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020381 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020550 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020461 | xxxx | XXX | xxxx | Investor | Refinance A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020767 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020878 | xxxx | XXX | xxxx | Primary | Cash Out A | A B | B | A B | B | A B | B | A B | B | A B CA | RB | RA | VA | VA |
| xxxx | 2023020359 | xxxx | XXX | xxxx | Primary | Refinance A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020324 | xxxx | XXX | xxxx | Primary | Refinance A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020558 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D | Not Applicable | Not Applicable D CA | Not Applicable | Not Applicable | VD | VA |
| xxxx | 2023020577 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020408 | xxxx | XXX | xxxx | Investor | Cash Out A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020612 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020623 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020406 | xxxx | XXX | xxxx | Primary | Cash Out A | A D | D | A D | D | A D | D | A D | D | A D CA | RD | RA | VA | VA |
| xxxx | 2023020435 | xxxx | XXX | xxxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable CA | Not Applicable | Not Applicable | VA | VA |
| xxxx | 2023020539 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020721 | xxxx | XXX | xxxx | Secondary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020089 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |
| xxxx | 2023020061 | xxxx | XXX | xxxx | Primary | Purchase A | A | A | A | A | A | A | A | A | A CA | RA | RA | VA | VA |

---

## Exhibit 99.13

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.13**

**Tape Discrepancies**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna Id** | **Loan #1** | **Loan #2** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| xxxx | 2023020048 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020425 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020060 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020060 |  | Property County | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020091 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020091 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020086 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020088 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020088 |  | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020088 |  | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020065 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020065 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020052 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020049 |  | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020057 |  | Property County | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020079 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020080 |  | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020080 |  | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020104 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020104 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020081 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020093 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020093 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020090 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020108 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020108 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020096 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020118 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020118 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020873 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020873 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020881 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020881 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020323 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020323 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020325 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020327 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020327 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020377 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020377 |  | Original Balance (or Line Amount) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020328 |  | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020329 |  | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020336 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020330 |  | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020509 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020509 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020337 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020338 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020378 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020332 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020332 |  | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020331 |  | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020342 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020379 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020346 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020347 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020381 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020349 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020349 |  | Property County | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020510 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020461 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020634 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020634 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020634 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020511 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020355 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020358 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020387 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020387 |  | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020589 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020388 |  | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020388 |  | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020372 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020374 |  | Property County | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020397 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020428 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020403 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020404 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020650 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020409 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020409 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020409 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020415 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020444 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020421 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020422 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020423 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020423 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020445 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020540 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020653 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020653 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020473 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020473 |  | Property County | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020451 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020451 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020654 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020654 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020654 |  | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020654 |  | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020654 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020482 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020515 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020660 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020491 |  | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020491 |  | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020544 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020497 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020497 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020546 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020516 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020520 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020554 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020560 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020560 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020565 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020565 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020566 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020597 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020597 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020639 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020639 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020639 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020574 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020587 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020578 |  | Property County | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020578 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020682 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020682 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020682 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020608 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020608 |  | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020688 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020688 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020688 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020611 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020611 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020699 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020699 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020699 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020699 |  | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020699 |  | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020715 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020715 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020716 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020719 |  | Borrower DTI Ratio Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020719 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020719 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020720 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020723 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020723 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020734 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020734 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020734 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020737 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020770 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020770 |  | Housing Ratio per U/W (Initial Rate) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020775 |  | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020775 |  | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020741 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020741 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020779 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020742 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020742 |  | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020749 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020746 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020747 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020752 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020748 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020785 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020754 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020787 |  | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020755 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020756 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020744 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020789 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020745 |  | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020757 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020758 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020759 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020764 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020765 |  | B1 Credit Score | xxxx | xxxx | xxxx | xxxx | Initial |  |

---

## Exhibit 99.14

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.14**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xxxx | 2023020048 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Valuation | Valuation | CLJTRV4ILHM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxE score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020048 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | CLJTRV4ILHM-WE2FAX95 | Resolved | 3 | R | \* Revised Loan Estimate is missing (Lvl R) | as per COC Dated xxxx. Revised LE Missing.<br> xxxx: Attestation letter received stating xxxx date in error and time stamp at the bottom of the page should be the correct date. The date of the change, which is xxxx, is the date the change in the loan took place, therefore the loan will fail the re-disclosure sent to borrower test. Exception remains.<br>xxxx: Resolved. Received tracker and lender attestation confirms the LE and COC dated xxxx is correct disclosure to use. | xxxx: Resolved. Received tracker and lender attestation confirms the LE and COC dated xxxx is correct disclosure to use. | xxxx: Resolved. Received tracker and lender attestation confirms the LE and COC dated xxxx is correct disclosure to use. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020048 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | CLJTRV4ILHM-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: FAIL xxxx xxxx +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020425 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | LNUNWHDFQEE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020425 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | LNUNWHDFQEE-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | 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. While 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.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020067 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | Q0HZ3FDU3I3-0O1J05XI | Cured | 3 | C | \* ComplianceEase TRID Tolerance Test Failed (Lvl C) | TRID Violation due to fee increase on Initial CD dated xxxx. Revised LE dated xxxx reflects a Recording Fee amount at xxxx, however Initial CD dated xxxx reflects the Recording Fee amount at xxxx , This is a fee increase of xxxxuired valid COC.<br>xxxx - Received the PCCD with cure which resolves the condition | xxxx - Received the PCCD with cure which resolves the condition | xxxx - Received the PCCD with cure which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020085 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 0SBHBLXTXV3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL Charged : xxxx Allowed : xxxx Overby : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020117 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 34OZZCP1UJM-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. 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> Higher-Priced Mortgage Loan Test Fail : Charged xxxx Allowed xxxx Over by +xxxx.<br>HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020101 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 2H0F2W0RBF5-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Initial CD missing in the package.<br>Received initial closing disclosure | Received initial closing disclosure | Received initial closing disclosure |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020101 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 2H0F2W0RBF5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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.<br>This loan failed the CA AB 260 higher-priced mortgage loan test. 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. While 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.<br>Higher-Priced Mortgage Loan Test: FAIL xxxx xxxx +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020063 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | EG24RCWEOLW-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is more than 2.5. Require additional valuation to support the original stated value. | Resolved xxxx: Collateral R&W relief is eligible. The second valuation is not required. | Resolved xxxx: Collateral R&W relief is eligible. The second valuation is not required. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020103 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | XKSSRPRUJOW-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020055 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | MQCUTHWSACX-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - CU Score 3.2. Original stated value is xxxx. <br>Received CA Value AVM with FSD of 0.05 and variance of 1xxxx. | Received CA Value AVM with FSD of 0.05 and variance of 1xxxx. | Received CA Value AVM with FSD of 0.05 and variance of 1xxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020056 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | WES3RDLIROY-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed Higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. <br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020049 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | UZQZOS2EDST-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020057 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | OPMPLFYTPB0-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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. <br>This loan failed the NC rate spread home loan test. (NC GS §24-1.1F(a)(7)) The loan is a rate spread home loan, as defined in the legislation. For more information please see the xxx Rate Spread Home Loan Article section of the full xxx report.<br>Higher-Priced Mortgage Loan Test: FAIL xxxx xxxx +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020081 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | WAUTQECXJIL-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL: Charged xxxx allowed: xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020105 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Valuation | Valuation | 4WKLLUL23AL-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | The CU score is more than 2.5%, Missing Secondary Valuation required for Securitization.<br>Resolved xxxx: The copy of CDA is received. | Resolved xxxx: The copy of CDA is received. | Resolved xxxx: The copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020093 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | MZQLUBM32LH-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | In subject loan, xxxx CU score is 2.6 and xxxx is 3.5. Provide additional valuation report.<br>Received AVM with FSD of 0.11 | Received AVM with FSD of 0.11 | Received AVM with FSD of 0.11 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020094 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | TM1S2D2QSBB-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-priced mortgage loan test: Charged: xxxx Allowed: xxxx Over by: +xxxx.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020094 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | TM1S2D2QSBB-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the NC rate spread home loan test.<br>NC rate spread home loan test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation NC GS §24-1.1F(a)(7). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation NC GS §24-1.1F(a)(7). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation NC GS §24-1.1F(a)(7). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020095 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | EOLCZELEOFN-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.<br>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020106 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | N11E0UN3XPV-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged:xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020053 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | NMPLSC13HQO-IAN8TZSY | Cured | 3 | C | \* ComplianceEase Risk Indicator is "Moderate" (Lvl C) | "TRID Violation due to a fee increase on CD dated xxxx. LE dated xxxx reflects a Points - Loan Discount Fee at xxxx,Loan Origination Fee atxxxx00 and Appraisal Fee atxxxx , however, Revised CD dated xxxx reflects the Points - Loan Discount Fee at xxxx00,Loan Origination Fee atxxxx00 and Appraisal Fee atxxxx. This is a fee increase of xxxx for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees." Required Valid COC and Cost to Cure.<br> xxxx-Resolved the condition | 9/xxxx21-Resolved the condition | 9/xxxx21-Resolved the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020058 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Q5JTHPC5EJK-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR<br>Higher-Priced Mortgage Loan Test: FAIL Charged : xxxx Allowed : xxxx Over By : +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020059 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | SKFZV1NVMAU-IAN8TZSY | Resolved | 3 | R | \* ComplianceEase Risk Indicator is "Moderate" (Lvl R) | Revised LE xxxx2020 reflects Loan Origination Fee xxxx This is a fee increase of xxxxor a Non-Shoppable Fee and Points- Loan Discount Fee xxxxnewly added which exceeds the 0% tolerance for Non-Shoppable Fees. Cure to the Borrower is required or COC is required.<br>xxxx2021 - COC updated as per the Doc Tracking which resolves the condition | xxxx2021 - COC updated as per the Doc Tracking which resolves the condition | xxxx2021 - COC updated as per the Doc Tracking which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020062 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | OZ5UE4FRBGZ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx.<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020109 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 5NXM2KM4VP3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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.<br>Higher-priced mortgage loan test: Charged: xxxx Allowed:xxxx Over by:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020109 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 5NXM2KM4VP3-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the NC Rate Spread Home Loan Test.<br>NC Rate Spread Home Loan Test: FAIL Charged: xxxx Allowed:xxxx Over by:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (NC GS §24-1.1F(a)(7). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (NC GS §24-1.1F(a)(7). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (NC GS §24-1.1F(a)(7). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020097 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | QL2PGMRSCZX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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. APR Threshold Test FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020097 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | QL2PGMRSCZX-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the MD COMAR higher-priced mortgage loan test asUsing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR). While the Maryland 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<br> MD COMAR Higher-Priced Mortgage Loan Test FAIL Charged:xxxx Allowed: xxxx Over by :+xxxx Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MD COMAR. | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MD COMAR. | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation MD COMAR. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020111 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Credit | Credit | BKM0G3K13H5-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | as per Final 1003_Application & Final 1008 reflect Puropose of Refinance as No Cash-Out However, Final Closing Disclosure reflect borrower getting cashback xxxx. We need Application or required document to verify Puropose of Refinance.<br>Received LOX reflecting limited cash-out | Received LOX reflecting limited cash-out | Received LOX reflecting limited cash-out |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020115 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | 30CKGJVLWX0-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts housing history 0\*30\*12 and must own primary residence<br>Exception approval with compensating factor<br>xxxx<br> Excellent Credit History - 0\*30\*24<br> Asset Reserves - 12 months |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020122 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | JGYPHXBE3L5-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a minimum housixxxxrtgage history of 0\*30\*12<br>Exception approval with compensating factor<br>Excellent Credit History - 0\*30\*24<br> Asset Reserves - 12 months |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020123 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 3 | 2 | Valuation | Valuation | O3RJX5B2Z12-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020123 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 3 | 2 | Credit | Guidelines | O3RJX5B2Z12-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide requires a minimum of 12 months of payment history on borrowers current primary residential mortgage<br>Exception approval with compensating factor<br>xxxx<br> Excellent Credit History - 0\*30\*24<br> LTV% less than 70% - 65% |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020873 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 3CZK2H3HUY1-NFSUVLR0 | Resolved | 3 | R | \* Missing Required State Disclosures (Lvl R) | Service Provider List missing in the loan package.<br>Received SSPL | Received SSPL | Received SSPL |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020873 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Guidelines | 3CZK2H3HUY1-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Co-borrower (xxxx) wage income is used for qualifying. 2021 W2 is missing in the loan file. Require 2021 W2.<br>Received 2021 W2 for co-borrower | Received 2021 W2 for co-borrower | Received 2021 W2 for co-borrower |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020873 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Valuation | Doc Issue | 3CZK2H3HUY1-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Original loan amount is xxxx. Guide requires 2nd full appraisal to support original stated value.<br>Received 2nd full appraisal supporting original stated value | Received 2nd full appraisal supporting original stated value | Received 2nd full appraisal supporting original stated value |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020874 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Credit | Credit | IGUL2WULLWW-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Guide require residential pay history of 1\*30\*12. Residence pay history is available for the 3 months, February 2022 till April 2022. Missing 12 months pay residence pay history.<br>Resolved - Existing primary residence is seasoned for more than 12 months | Resolved - Existing primary residence is seasoned for more than 12 months | Resolved - Existing primary residence is seasoned for more than 12 months |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020872 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | OYDVCX4KHGZ-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts maximum loan amount to xxxxubject loan amount is xxxxoan file is documented with credit memo. Require exception approval with compensating factor.<br>Exception approval with compensating factor<br>xxxx<br> LTV% less than 70% - 6xxxx |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020878 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Z4GQAKWWCI3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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> Higher-Priced Mortgage Loan Test Fail : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020879 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Compliance | Compliance | S4XN15UDIMR-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. 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> Higher-Priced Mortgage Loan Test Fail: Charged xxxx Allowed xxxx Over by +xxxx.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020879 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Credit | Doc Issue | S4XN15UDIMR-IXGT06P8 | Waived | 2 | W | \* Payment history missing (Lvl W) | Borrower is first time home buyer. Guide allows with a twelve (12) month residential pay history verified by canceled checks or a 3rd party verification VxxxxM. A total of 11 canceled checks is documented in the loan file, from xxxx21 till xxxx22. However canceled check for the month of xxxx21 is missing. Require canceled check for the month of xxxx21.<br>Exception approval with compensating factor<br>Low DTI Ratio - xxxx<br> High Residual Income - xxxx |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020323 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Legal Docs | Doc Issue | QGG3P4MAQVR-1ORHP9P2 | Resolved | 3 | R | \* Mortgage Riders incompletxxxxnaccurate (Lvl R) | Mortgage dated xxxx reflects 1-4 Rider present. However, property is a primary residence of borrower doing a Rate & Term refinance. Resolved - Subject property is 1 unit property with 2 storeys. Subject appraisal confirms 1 unit and DOT is available with 1-4 unit rider. | Resolved - Subject property is 1 unit property with 2 storeys. Subject appraisal confirms 1 unit and DOT is available with 1-4 unit rider. | Resolved - Subject property is 1 unit property with 2 storeys. Subject appraisal confirms 1 unit and DOT is available with 1-4 unit rider. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020322 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 3 | 1 | Legal Docs | Doc Issue | 4JRW1B1E0VM-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title commitment reflects insurance amount of xxxx, which is less than the loan amount of xxxx<br> xxxx2021: Copy of title policy received clearing exception. | 7xxxx21: Copy of title policy received clearing exception. | 7xxxx21: Copy of title policy received clearing exception. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020322 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | 4JRW1B1E0VM-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. LCA Risk Score is 3.0, not eligible for R&W. CU score not available in file.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020324 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | ZAHI5TMJ0GN-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | Loan failed 0% tolerance Test. Loan Amount (Points) increased froxxxx in the amount of xxxx on the initial LE dated xxxx to 1.5% in the amount of xxxx3 on the Final CD. No Change of Circumstances was provided for the increase.<br> xxxx: LE dated xxxx provided, but does not clear exception. No Change of circumstance provided for increase. Exception remains.<br>xxxx - Received COC dated xxxx | xxxx - Received COC dated xxxx | xxxx - Received COC dated xxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020324 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | ZAHI5TMJ0GN-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx allowed: xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020325 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | JRDILD25INA-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020326 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Compliance | Compliance | I0GPHTADAVR-6146XVEZ | Cured | 2 | C | \* ComplianceEase State Regulations Test Failed (Lvl C) | Compliance failed for State Regulations for following Prohibited Fees:<br> Commitment Fee paid by Borrower<br> xxxx: Copy of PCCD received changing the commitment fee to underwriting fee. Fee names cannot be "corrected" post closing, as the fee was collected at closing under Commitment fee. To cure exception, fee needs to be refunded to the borrower. Exception remains.----------PCCD issued with correction dated xxxx and cure issued to borrower dated xxxx. Exception resolved since cure is issued within 60 days of client notification---- | <br> ----------PCCD issued with correction dated xxxx and cure issued to borrower dated xxxx. Exception resolved since cure is issued within 60 days of client notification---- | <br> ----------PCCD issued with correction dated xxxx and cure issued to borrower dated xxxx. Exception resolved since cure is issued within 60 days of client notification---- |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020327 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Legal Docs | Doc Issue | Y0S3Y4AQNNN-DW5VNZ46 | Resolved | 3 | R | \* CondxxxxUD rider Missing (Lvl R) | Per appraisal, subject property is in a PUD, however Conxxxxd Rider is missing.<br>Received signed PUD rider | Received signed PUD rider | Received signed PUD rider |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020377 |  | xxxx | XXX | xxxx | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | QD1IJXKEEIL-T67CK90Y | Waived | 4 | W | \* Credit history does not meet guidelines (Lvl W) | Borrower does not own a primary residence. Live in NY, buying second investment property in FL. According to the guidelines, borrower must own a primary residence.<br>Exception approval form is received. |  |  | Credit Score: 735 <br>Credit History: perfect 22 year credit file <br>Reserves: 14 months of Reserves Post Closing. |  | QC Complete | 02/15/2023 |  |  | 02/15/2023 |
| xxxx | 2023020377 |  | xxxx | XXX | xxxx | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Guidelines | QD1IJXKEEIL-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan closed with an LTV of xxx % because the loan amount was increased by $xxx at closing. According to the guidelines, a maximum LTV of xxx% is required.<br>Exception approval form is received. |  |  | Credit Score: 735 <br>Credit History: perfect 22 year credit file <br>Reserves: 14 months of Reserves Post Closing. |  | QC Complete | 02/15/2023 |  |  | 02/15/2023 |
| xxxx | 2023020377 |  | xxxx | XXX | xxxx | Purchase | Not Covered/Exempt | 4 | 2 | Credit | Underwriting | QD1IJXKEEIL-1KF9YJFQ | Resolved | 3 | R | \* The final 1008 is missing (Lvl R) | Missing 1008 and approval for increase in loan amount from $xxxx to $xxxx<br>10/19/xxxx - Received 1008 Document with original loan amount of reflecting as $xxxx which resolves the condition | 10/xxxx/xxxx - Received 1008 Document with original loan amount of reflecting as $xxxxwhich resolves the condition | 10/19/20201 - Received 1008 Document with original loan amount of reflecting as $xxxx which resolves the condition |  |  | QC Complete | 02/15/2023 | 02/15/2023 | 02/15/2023 | 08/14/2021 |
| xxxx | 2023020377 |  | xxxx | XXX | xxxx | Purchase | Not Covered/Exempt | 4 | 2 | Legal Docs | Doc Issue | QD1IJXKEEIL-RMHHY40D | Cured | 4 | C | \* Note data is missing or inaccurate (Lvl C) | Loan amount on Note and Mortgage (xxxx) does not match the loan amount on Final CD (page 28) of $xxxx0.<br>Cured 02/16/2023: Post-closing CD datedxxxx with corrected loan amount is received along with proof of mail delivery and letter of explanation from lender to the borrower explaining a correction of the final loan amount matching the Note and Mortgage. | Cured xxxx: Post-closing CD dated xxxx with corrected loan amount is received along with proof of mail delivery and letter of explanation from lender to the borrower explaining a correction of the final loan amount matching the Note and Mortgage. | Cured xxxx3: Post-closing CD dated xxxx3 with corrected loan amount is received along with proof of mail delivery and letter of explanation from lender to the borrower explaining a correction of the final loan amount matching the Note and Mortgage. |  |  | QC Complete | 02/15/2023 | 02/16/2023 | 02/16/2023 | 08/14/2021 |
| xxxx | 2023020328 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | SPY53W0F0HV-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: Fail Charged : xxxx Allowed : xxxx Over By : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020328 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Legal Docs | Doc Issue | SPY53W0F0HV-DW5VNZ46 | Resolved | 3 | R | \* CondxxxxUD rider Missing (Lvl R) | Missing The Condominium Rider<br>Resolved - Received condo rider dated xxxx on xxxx. | Resolved - Received condo rider dated xxxx on xxxx. | Resolved - Received condo rider dated xxxx on xxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020329 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 1XRUHBDQCNQ-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Missing Initial Closing Disclosure no later than three business days before consummation datedxxxx.<br>Resolved : Received and Updated Initial CD datedxxxx. | Resolved : Received and Updated Initial CD datedxxxx. | Resolved : Received and Updated Initial CD datedxxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020330 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | UYLTKFKFGGP-KCK2O87U | Cured | 3 | C | \* 0% Tolerance Fees test fail (Lvl C) | TRID Violation due to Broker compensation fee of xxxx added in initial CD & an increase of Appraisal fee by xxxxn final CD. This is a fee increase of xxxx in total for a Non-Shoppable Fee which exceeds the 0% tolerance. <br> Lender credit of xxxxas been added in the final CD to cure violation<br>Resolved - Cure is given in final closing disclosure dated onxxxx/20. | Resolved - Cure is given in final closing disclosure dated onxxxx/20. | Resolved - Cure is given in final closing disclosure dated onxxxx/20. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020330 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Credit | Credit | UYLTKFKFGGP-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Missing 12 month VOR, as borrower is a first time home buyer.<br>Resolved :xxxx == Provided 12 month VOR. | Resolved :xxxx == Provided 12 month VOR. | Resolved :xxxx == Provided 12 month VOR. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020330 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | UYLTKFKFGGP-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: Fail Charged : xxxx Allowed : xxxx Over By : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020509 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Credit | Doc Issue | XCM5HCIVMEP-VTZONJFR | Resolved | 2 | R | \* Credit report >90 days old at closing (Lvl R) | Credit Report Asper Document Datexxxx<br>Updated CR dated xxxx in loan file | Updated CR dated xxxx in loan file | Updated CR dated xxxx in loan file |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020338 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 2 | Compliance | Compliance | DA1MBVWY0T3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Allowed xxxx Charged xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020338 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 2 | Credit | Assets Insufficient | DA1MBVWY0T3-YHOZ28S0 | Waived | 2 | W | \* Cash reserves less than required by guidelines (Lvl W) | Total verified assets is xxxxxxx and cash from borrower xxxx.xx so liquid reserves will be xxxx.xx but Required reserves as per guidelines is xxx= xxxx . So the shortage of reserves will be = xxxx = xxxx.xx<br>Exceptional approval with compensating factors |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020339 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | YDLEJM1W4IJ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged : xxxx Allowed : xxxx Over by : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020378 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Legal Docs | Doc Issue | 1D2LQ1CJRA3-V7TJ126N | Resolved | 2 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Title Commitment in file reflects loan amount of xxxx - Final loan amount is xxxx no updated commitment or final title policy in file to support sufficient coverage.<br>Resolved :xxxx == Provided Proof of Insurance with dwelling amount of xxxx. | <br> Resolved :xxxx == Provided Proof of Insurance with dwelling amount of xxxx. | <br> Resolved :xxxx == Provided Proof of Insurance with dwelling amount of xxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020332 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | SYTOOELFTL0-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | Missing COC for fee increase on LE datedxxxx. LE datedxxxx reflects a Mortgage Broker Fee of xxxx8, however, LE datedxxxx reflects the Mortgage Broker Fee at xxxx. This is a fee increase of xxxx for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.<br>Resolved - Received COC with borrower request for change in the loan amount | Resolved - Received COC with borrower request for change in the loan amount | Resolved - Received COC with borrower request for change in the loan amount |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020332 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | SYTOOELFTL0-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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. Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020332 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Legal Docs | Doc Issue | SYTOOELFTL0-DW5VNZ46 | Resolved | 3 | R | \* CondxxxxUD rider Missing (Lvl R) | Mortgage incomplete due to the subject property is in a PUD but the mortgage document does not reflects ConxxxxD Rider.<br>xxxx2021 - Received a copy of Mortgage with PUD Rider which resolves the condition | xxxx2021 - Received a copy of Mortgage with PUD Rider which resolves the condition | xxxx2021 - Received a copy of Mortgage with PUD Rider which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020331 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 0F5NM43ULKV-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | a. This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020331 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Income | 0F5NM43ULKV-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Verification of the existence of the business required within ten (10) days of closing<br>Received business verification dated xxxx. Verification is not within 10 business days of consummation. Exception remains.<br>Receive mail communicatixxxxnfirmation stating, "On Verifications we are allowed to complete Post-Closexxxx exception required, as long as the borrower is still Active. If not, Active we would have to determine when the borrower was No Longer Active" | Receive mail communicatixxxxnfirmation stating, "On Verifications we are allowed to complete Post-Closexxxx exception required, as long as the borrower is still Active. If not, Active we would have to determine when the borrower was No Longer Active" | Receive mail communicatixxxxnfirmation stating, "On Verifications we are allowed to complete Post-Closexxxx exception required, as long as the borrower is still Active. If not, Active we would have to determine when the borrower was No Longer Active" |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020331 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Valuation | Doc Issue | 0F5NM43ULKV-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Received AVM with confidence score of 0.04 | Received AVM with confidence score of 0.04 | Received AVM with confidence score of 0.04 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020331 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Credit | 0F5NM43ULKV-53UNNI64 | Resolved | 3 | R | \* Excessive DTI (Lvl R) | Loan exceed 50% tolerance limit, as base income considered by the underwriter as xxxx5, however recalculated income using 2018 and 2019 Schedule C was xxxx. Apart from the personal tax returns no other income documents are provided in the loan file<br>xxxx2021 - Going with the Underwriter income as miscellaneous Income tax returns are available in file to resolves the condition | xxxx2021 - Going with the Underwriter income as miscellaneous Income tax returns are available in file to resolves the condition | xxxx2021 - Going with the Underwriter income as miscellaneous Income tax returns are available in file to resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020331 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Guidelines | 0F5NM43ULKV-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | 1) A copy of the Underwriter's written analysis of income must be included in the loan file.<br>Received UW income worksheet | Received UW income worksheet | Received UW income worksheet |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020331 |  | xxxx | XXX | xxxx | Purxxxx | Non-xxxxmpliant | 3 | 1 | Credit | Assets | 0F5NM43ULKV-8REF7GRZ | Resolved | 3 | R | \* Assets Verification (Lvl R) | A copy of donors's cancel check or evidence of wire transfer from donor to borrower is missing in the file<br>Resolved - Donor's check along with bank statement received | Resolved - Donor's check along with bank statement received | Resolved - Donor's check along with bank statement received |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020341 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 3QCNQGD5DUL-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed Higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020343 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Credit | YPQXLKZBITF-I97OJO44 | Resolved | 3 | R | \* The Credit LOX is missing (Lvl R) | LOX is missing for the enquires in credit report.<br>Resolved :xxxx == Provided LOX for enquires in credit report. | Resolved :xxxx == Provided LOX for enquires in credit report. | Resolved :xxxx == Provided LOX for enquires in credit report. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020343 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | YPQXLKZBITF-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020343 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Valuation | Valuation | YPQXLKZBITF-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - no CU Scores provided<br>Received RDA | Received RDA | Received RDA |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020344 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | ES2NOUC2QGZ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020345 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 1ZLE3VSZPAB-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged:xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020333 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Compliance | Compliance | CHW0VIGZVUS-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged: xxxx allowed: xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020333 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Compliance | Compliance | CHW0VIGZVUS-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(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. While 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. <br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged: xxxx allowed: xxxx Over By +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020333 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Credit | Assets Insufficient | CHW0VIGZVUS-YHOZ28S0 | Waived | 3 | W | \* Cash reserves less than required by guidelines (Lvl W) | Guidelines require 6 months PITI reserves, which calculates to xxxx, however only xxxx in verified PITI reserves documented after closing. Short xxxx55 in verified reserves.<br>Exception approval document with compensating factors received dated xxxx.<br>Resolved - Received the Exception approval document with compensating factors received dated xxxx. |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020346 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | BUDAJT4ZQJC-FSGBNA1Z | Cured | 3 | C | \* Missing Required Disclosures (Lvl C) | Revised closing disclosure delivexxxxceipt date is after consummation date. Consummation date is xxxx, delivexxxxceipt date is xxxx. PC CD reflecting consummation date of xxxx is missing in the loan file. Received PCCD dated xxxx which is within 60 days of client notification. | Received PCCD dated xxxx which is within 60 days of client notification. | Received PCCD dated xxxx which is within 60 days of client notification. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020347 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | RZZUT3C4E0N-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020382 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | J51LMB0VOQZ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020382 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Credit | Assets Insufficient | J51LMB0VOQZ-YHOZ28S0 | Resolved | 3 | R | \* Cash reserves less than required by guidelines (Lvl R) | Borrower getting cash back in this transaction - xxxx74. And - Assets Ban statements - xxxx xxxxx - xxxx39. Total assets = xxxx.13. As per guidelines reserves requirements are 6 months x PITIA (6x2693.80) xxxx.8. Total unverified reserve requirements(Shortage) - xxxx67 (xxxx.8-xxxx.13)<br>Sufficient asset for reser requirement including personal, business, and subject transaction "cash-to" | Sufficient asset for reser requirement including personal, business, and subject transaction "cash-to" | Sufficient asset for reser requirement including personal, business, and subject transaction "cash-to" |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020382 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Credit | Doc Issue | J51LMB0VOQZ-XDJYIOM4 | Resolved | 3 | R | \* Missing Credit LOX (Lvl R) | LOX is missing for inquiry xxx - xxxxxxx reflecting in credit report.<br>Received LOX reflecting no additional credit acquired | Received LOX reflecting no additional credit acquired | Received LOX reflecting no additional credit acquired |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020382 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Credit | Credit Report & History | J51LMB0VOQZ-4NVIREAA | Resolved | 3 | R | \* Divorce Decree (Lvl R) | Divorce Decrexxxxeparation Agreemenxxxxhild support paid supporting documents missing in the file<br>Received divorce decree | Received divorce decree | Received divorce decree |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020353 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | NSYF5C3YYJX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged:xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020334 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 2 | Legal Docs | Doc Issue | TC2BE0MORU3-V99AA17R | Resolved | 3 | R | \* Prepayment Rider Missing (Lvl R) | Prepayment rider to Mortgage is missing from file.<br>Received updated Note with no prepayment addendum | Received updated Note with no prepayment addendum | Received updated Note with no prepayment addendum |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020334 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 2 | Valuation | Valuation | TC2BE0MORU3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Per guidelines, CDxxxxecondary Valuation required when CU risk score exceeds 2.5 or is not available.<br>Received AVM with FSD of 0.058 | Received AVM with FSD of 0.058 | Received AVM with FSD of 0.058 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020334 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 2 | Legal Docs | Doc Issue | TC2BE0MORU3-6HQIY2RJ | Resolved | 3 | R | \* Required rider to note is missing (Lvl R) | Prepayment Addendum to Note is missing from file.<br>Received updated Note with no prepayment addendum | Received updated Note with no prepayment addendum | Received updated Note with no prepayment addendum |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020334 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 2 | Credit | Guidelines | TC2BE0MORU3-LDSH8FXN | Waived | 4 | W | \* Mortgaxxxxntal lates exceed guidelines (Lvl W) | Mortgage statement from xxx as ofxxxx for Borrower's principal address shows Borrower is past due on mortgage payments IAO xxxx and late fees IMO xxxx. Per guidelines, Mortgage pay history must be 0 x 30 x 24<br>Exception approval received dated xxxx with no compensating factors. |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020335 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | NWIJDIBI2YN-1UJL4VOR | Resolved | 3 | R | \* Missing Initial LE (Lvl R) | Initial LE datedxxxx is missing. Due to missing Initial LE compliance has not been run.<br>Resolved :xxxx2021 - Provided Initial LE datedxxxx. | Resolved :xxxx2021 - Provided Initial LE datedxxxx. | Resolved :xxxx2021 - Provided Initial LE datedxxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020335 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | NWIJDIBI2YN-FELD93E2 | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Service provider list is missing in the loan file.<br>xxxx: The copy of SSPL provided resolves the condition. | xxxx: The copy of SSPL provided resolves the condition. | xxxx: The copy of SSPL provided resolves the condition. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020335 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | NWIJDIBI2YN-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020354 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Legal Docs | Doc Issue | BE0C4X5JZ43-V7TJ126N | Resolved | 3 | R | \* Amount of title insurance is less than mortgage amount (Lvl R) | Missing evidence of title with sufficient coverage of xxxx<br>Resolved - Received preliminary title reflecting total coverage of xxxx0 | Resolved - Received preliminary title reflecting total coverage of xxxx0 | Resolved - Received preliminary title reflecting total coverage of xxxx0 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020354 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | BE0C4X5JZ43-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | 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. While 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. <br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged:xxxx Allowed:xxxx Over by:xxxx.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020354 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Legal Docs | Doc Issue | BE0C4X5JZ43-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Missing evidence of hazard insurance<br>Resolved - Received HOI policy | Resolved - Received HOI policy | Resolved - Received HOI policy |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020354 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Underwriting | BE0C4X5JZ43-V81IZTFE | Resolved | 3 | R | \* Transmittal (1008) is Missing (Lvl R) | Missing 1008 from file provided<br>Resolved - Received final 1008 as condition clearing document | Resolved - Received final 1008 as condition clearing document | Resolved - Received final 1008 as condition clearing document |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020354 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | BE0C4X5JZ43-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged:xxxx Allowed:xxxx Over by:xxxx.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020357 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 0PEPFA1YW2H-NTWNZR4M | Resolved | 3 | R | \* ComplianceEase Exceptions Test Failed (Lvl R) | Section A fees increased from Initial LE xxxxto Revised LE and all CD'S xxxx.<br>Resolved: after further review TRID test fail is resolved. | Resolved: after further review TRID test fail is resolved. | Resolved: after further review TRID test fail is resolved. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020357 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 0PEPFA1YW2H-IAN8TZSY | Resolved | 2 | R | \* ComplianceEase Risk Indicator is "Moderate" (Lvl R) | Section A fees increased from Initial LE xxxxto Revised LE and all CD'S xxxx.<br>Resolved: after further review TRID test fail is resolved. | Resolved: after further review TRID test fail is resolved. | Resolved: after further review TRID test fail is resolved. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020385 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | WJUMX1LMV0R-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - CU Score 3<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020386 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | OHNKHKI33XE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020386 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | OHNKHKI33XE-XN9T8COZ | Resolved | 3 | R | \* Staxxxxcal Predatory APR Test Fail (Lvl R) | This loan failed the qualified mortgage APR threshold test. (12 CFR §1026.43(e)(2)(vi))A qualified mortgage is a covered transaction which, among other requirements, is not negatively amortizing and:The note amount for a first lien is greater than or equal to (xxxx0.000), and its APR calculated per the requirements of 12 CFR §1026.43(e)(2)(vi) does not exceed the APOR on the date the rate was set plusxxxx<br>Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. | Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. | Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020386 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | OHNKHKI33XE-754SF1P1 | Resolved | 3 | R | \* Staxxxxcal Predatory Points and Fees Test Fail (Lvl R) | Section G fees increased from Initial LE xxxx3 to Initial CD xxxx7.76<br>Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. | Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. | Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020386 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | OHNKHKI33XE-LEK7EL55 | Resolved | 4 | R | \* Issue with the Initial CD (Closing Disclosure) (Lvl R) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as<br> "Electronic Delivery", and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the<br> consummation date.<br>Received disclosure tracking summary and LOX confirming initial CD issued and received date as xxxx | Received disclosure tracking summary and LOX confirming initial CD issued and received date as xxxx | Received disclosure tracking summary and LOX confirming initial CD issued and received date as xxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020386 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | OHNKHKI33XE-PWQUIIBJ | Resolved | 3 | R | \* GSE Points and Fees Test Violations (Lvl R) | Section G fees increased from Initial LE xxxx3 to Initial CD xxxx7.76<br>Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. | Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. | Resolved - Point & Fee updated correctly for TX Document Review Fee. No issue with Section G fee. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020387 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | ESTMP3U5L02-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - No CU Score provided (4 unit property)<br>Received RDA | Received RDA | Received RDA |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020362 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | EGIMI3QHYHD-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - No CU Score (2 unit property)<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020363 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Valuation | Valuation | QFWZQY1HCJQ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - CU Score 3.0 and 3.70<br>Received 2 additional valuation including AVM and latest RDA supporting original stated value | Received 2 additional valuation including AVM and latest RDA supporting original stated value | Received 2 additional valuation including AVM and latest RDA supporting original stated value |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020364 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | C5YSOKPLGVS-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Value source - CU Score 2.80<br>Received AVM with FSD if 0.125 | Received AVM with FSD if 0.125 | Received AVM with FSD if 0.125 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020367 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | SDGREH0DDCO-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - CU Score 5.0<br>Received AVM with FSD of 0.075 | Received AVM with FSD of 0.075 | Received AVM with FSD of 0.075 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020369 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | GFLC5EQTJ5Q-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020370 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | VGL5A24PWK1-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary value source - CU Score 4.8<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020426 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | EERW2XGV1SV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020399 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Legal Docs | Doc Issue | OJGYMP4PY3M-6HQIY2RJ | Resolved | 3 | R | \* Required rider to note is missing (Lvl R) | Prepayment addendum to rider is missing.<br>Incorrect exception. Updated Note Detail screen to reflect correct details. | Incorrect exception. Updated Note Detail screen to reflect correct details. | Incorrect exception. Updated Note Detail screen to reflect correct details. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020399 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Legal Docs | Doc Issue | OJGYMP4PY3M-HI5N7YPL | Resolved | 3 | R | \* Mortgage missinxxxxnexecuted (Lvl R) | Mortgage (DOT) is missing<br>xxxx: The copy of mortgage provided resolves the condition. | xxxx: The copy of mortgage provided resolves the condition. | xxxx: The copy of mortgage provided resolves the condition. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020399 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Credit | Doc Issue | OJGYMP4PY3M-U1CA63D2 | Resolved | 3 | R | \* Application Missing (Lvl R) | Final Application (1003) missing<br>xxxx: The copy of final 1003 provided resolves the condition. | xxxx: The copy of final 1003 provided resolves the condition. | xxxx: The copy of final 1003 provided resolves the condition. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020371 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | GHV5PWGXKIG-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR. Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020462 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | M3KVSGYVG0F-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>This loan fail the Higher-Priced Mortgage Loan Test:Charged: xxxx allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020372 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Valuation | Valuation | MID0AFDDNZS-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Original; stated value is xxxx. AVM valuation is available in loan file with FSD of 0.052 and variance of (1xxxx). xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020372 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | MID0AFDDNZS-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Missing Initial CD in File. | RESOLVEDxxxx : Updated Received Initial CD datedxxxx2021 And cleared . | RESOLVEDxxxx : Updated Received Initial CD datedxxxx2021 And cleared . |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020373 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | IKBWQTWPJMT-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum gross living area at xxx sq ft. Subject gross living area is at xxx sq ft.<br>Exception approval with compensating factor<br>xxxx<br> Asset Reserves - <100 months of reserve |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020374 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Valuation | Valuation | ION3E20X4UL-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020374 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | ION3E20X4UL-0O1J05XI | Cured | 3 | C | \* ComplianceEase TRID Tolerance Test Failed (Lvl C) | Appraisal fee increased from initial LE to final CD and Total tolerance violation of non shopable is xxxx. Required Valid COC and Cost to Cure.<br>Resolved:xxxx - Provided PCCD With Cure Of xxxx datedxxxx | Resolved:xxxx - Provided PCCD With Cure Of xxxx datedxxxx. | Resolved:xxxx - Provided PCCD With Cure Of xxxx datedxxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020375 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | XTYJ0CXAXBZ-0O1J05XI | Cured | 3 | C | \* ComplianceEase TRID Tolerance Test Failed (Lvl C) | TRID Violation due to a fee increase on CD dated xxxx. LE dated xxxx reflects a Appraisal Fee at xxxx, however, Revised CD dated xxxx reflects the Appraisal Fee at xxxx This is a fee increase of xxxx for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.<br> xxxx-Resolved-Received the tolerance amount in PCCD datedxxxx | 7/xxxx21-Resolved-Received the tolerance in PC amount CD datedxxxx | 7/xxxx21-Resolved-Received the tolerance in PC amount CD datedxxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020375 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | XTYJ0CXAXBZ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR. <br> This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR).<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020394 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 5BDDPOX1NCX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>The loan has an APR of xxxx. The APR threshold is xxxx.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020394 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 5BDDPOX1NCX-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Missing initial Closing Disclosure required to be provided to borrower at least 3 days prior to closing.<br>Resolved- Received Initial CD | Resolved- Received Initial CD | Resolved- Received Initial CD |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020463 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | HGUU4HLZ1JV-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020376 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | XB52Z4W5W5T-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined inRegulation Z.<br> 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> Higher-Priced Mortgage Loan Test: FAIL Charged : xxxx Allowed : xxxx Over by : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020400 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | JNBVSZ2PHC0-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020395 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Credit | Credit | XA5K2KYWASK-KZ9IL5E1 | Resolved | 2 | R | \* Signed extension to sale contract is not documented (Lvl R) | Signed extension extending closing date fromxxxxoxxxxissing from loan file.<br> xxxx-Resolved - Received the signed extension document | 7/xxxx21-Resolved - Received the signed extension document | 7/xxxx21-Resolved - Received the signed extension document |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020401 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Legal Docs | Hazard Insurance | 5OKNJCX5RAM-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Hazard insurance dwelling amount xxxx0 does not cover the loan amount is xxxx0. Total estimate of Cost new as per appraisal is xxxx3. Need updated hazard insurance.<br>xxxx- Received the RCE letter with Insurance Coverage Endorsement which resolves the condition | xxxx- Received the RCE letter with Insurance Coverage Endorsement which resolves the condition | xxxx- Received the RCE letter with Insurance Coverage Endorsement which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020401 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Credit | Credit | 5OKNJCX5RAM-I97OJO44 | Resolved | 3 | R | \* The Credit LOX is missing (Lvl R) | Provide LOX for the credit inquires in the credit report - xxxxxxx- xxxxxxxnk of xxx ,xxxxxxx- xxx<br>xxxx - LOX provided which states Brokers credit pull. No lox needed to resolves the condition | xxxx - LOX provided which states Brokers credit pull. No lox needed to resolves the condition | xxxx - LOX provided which states Brokers credit pull. No lox needed to resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020427 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | IIZZM5ZMLYN-EB2MK65Q | Resolved | 3 | R | \* TILA Finance Charge (Lvl R) | Finance charge disclosed on Final CD as xxxx datedxxxx2021 . Calculated Finance Charge is xxxx for an under disclosed amount of xxxx.<br>xxxx - Negative Interest was not updated in point and fee, now updated which resolves the condition | xxxx - Negative Interest was not updated in point and fee, now updated which resolves the condition | xxxx - Negative Interest was not updated in point and fee, now updated which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020580 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | KZRKL0FVU1P-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | 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. While 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.<br> CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed:xxxx Over by:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020580 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | KZRKL0FVU1P-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed:xxxx Over by:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020405 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | GJ2P5K3PHZI-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Charged : xxxx Allowed : xxxx Overbuy :xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020406 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | ZLXVGTPZ44D-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020406 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | ZLXVGTPZ44D-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | TRID Violation due to a fee addition on Initial CD dated xxxx. LE dated xxxx reflects an Transfer Taxes of xxxx, however, Initial CD dated xxxx reflects an Transfer Taxes of xxxx. This is a fee increase of xxxx for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.<br>Resolved - Valid COC available and updated | Resolved - Valid COC available and updated | Resolved - Valid COC available and updated |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020409 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | SUDPCI35GD3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020430 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Y2SQ2YSBEZE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020430 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Y2SQ2YSBEZE-XN9T8COZ | Resolved | 2 | R | \* Staxxxxcal Predatory APR Test Fail (Lvl R) | This loan failed the NC rate spread home loan test .<br>NC RSHL Average Prime Offer Rate APR Threshold Exceeded: YES Charged xxxx Allowed xxxx Overby +xxxx<br>Resolved: NC rate spread home loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant. | Resolved: NC rate spread home loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant. | Resolved: NC rate spread home loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020415 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | BMG0FLGYSBB-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | TRID Violation due to a fee addition on Final CD dated xxxx. LE dated xxxx reflects an Mortgage Broker Fee of xxxx, however, Final CD dated xxxx reflects an Mortgage Broker Fee of xxxx. This is a fee increase of xxxx for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.<br>Received the Valid COC to cure the variances which resolves the condition | Received the Valid COC to cure the variances which resolves the condition | Received the Valid COC to cure the variances which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020416 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | C3TEDF3M0QL-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Charged:xxxx Allowed:4.480 OverBuy:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020464 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 2 | 2 | Credit | Credit | Y4FAOAO0UK3-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | As per given package: DSCR ratio is less than 1.00. Calculated DSCR ratio 0.91 and xxxxxxxTV xxxx. Interest rate : xxxx 30 years Fixed. <br>Require exceptional approval with compensating factor for breach in minimum FICO requirement of 700.<br>Credit Score < LTV requirements - 662; required -680; Broker credit report expired at time of closing |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020646 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | AUSAPBIAYTB-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020418 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | WEL3QIDARVU-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020444 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | T4RYHZ4T4OD-6146XVEZ | Resolved | 2 | R | \* ComplianceEase State Regulations Test Failed (Lvl R) | This loan failed the prohibited fees test. HOA Fees is collectxxxxaid by Borrower in the amount of (xxxx).<br>xxxx - PCCD provided excluding HOA fee which resolves the condition | xxxx - PCCD provided excluding HOA fee which resolves the condition | xxxx - PCCD provided excluding HOA fee which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020444 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | T4RYHZ4T4OD-HLXYYHQ9 | Resolved | 3 | R | \* ComplianceEase TILA Test Failed (Lvl R) | This loan failed the TILA finance charge test.<br>Finance charge disclosed on Final CD as xxxx. Calculated Finance Charge is xxxx, for an under disclosed amount of xxxx. | xxxx - PCCD provided excluding HOA fee which resolves the condition | xxxx - PCCD provided excluding HOA fee which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020420 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | VCWPIM10OVD-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020431 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Credit | Credit | UXTGAZFIZWF-9U3HDYIW | Resolved | 3 | R | \* Missing Initial 1003_Application (Lvl R) | Missing Initial 1003 in the loan Package<br>Resolved - Received initial 1003 application | Resolved - Received initial 1003 application | Resolved - Received initial 1003 application |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020465 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | GUEE5VQ3PI1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.<br>Higher-Priced Mortgage Loan Test FAIL Charged : xxxx Allowed : xxxx Over by : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020433 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | KW35IP4QDFE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020421 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | UX4GSM5U5ER-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Charged: xxxx Allowed: xxxx Over by: +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020422 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | LZNTQQCCANW-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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>Higher-Priced Mortgage Loan Test FAIL: charged :xxxx allowed : xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020468 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 1AZWYGQNVIQ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL: Charged:xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020445 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | J1NS1COJWYM-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020446 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 2ZILUOO3P1Z-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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>Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020424 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | PZPJCB0T3OJ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Charged: xxxx Allowed : xxxx Overbuy : +xxxx<br>"HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." | "HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d)." |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020469 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | AQME52WVD2U-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020448 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | WEH1PND4HW5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020540 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | SWJXHTO5DCE-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020471 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | HE0GBXFSRO1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL: Charged:xxxx Allowed:xxxx Over By:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020472 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | VT3RAMY5UHM-EB2MK65Q | Resolved | 3 | R | \* TILA Finance Charge (Lvl R) | This loan failed the TILA finance charge test. The finance charge is xxxx. The disclosed finance charge of xxxx is not considered accurate because it is understated by more than xxxxequire lender cure for the variance.<br>Updated negative prepaid interest to resolve the tolerance fail | Updated negative prepaid interest to resolve the tolerance fail | Updated negative prepaid interest to resolve the tolerance fail |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020472 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | VT3RAMY5UHM-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020472 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | VT3RAMY5UHM-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(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. While 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.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020450 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | CGPZ1D0OAI1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>This loan fail the Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020635 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | IKNGKLFGYCT-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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. Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020654 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | U5MUQD3KP2Y-HLXYYHQ9 | Resolved | 3 | R | \* ComplianceEase TILA Test Failed (Lvl R) | Finance charge disclosed on Final CD as xxxx. Calculated Finance Charge is xxxx for an under disclosed amount of xxxx. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing.<br>Updated corrected loan amount in Disclosure Detail screen | Updated corrected loan amount in Disclosure Detail screen | Updated corrected loan amount in Disclosure Detail screen |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020475 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | WPJXD4AJQOW-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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, <br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020453 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 5WFX4L0QPV3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020453 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 5WFX4L0QPV3-FSGBNA1Z | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Missing Settlement Services Provider List.<br>Non-Material Exception warning. | Non-Material Exception warning. | Non-Material Exception warning. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020476 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | PLGQPODNQ1N-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed Higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. <br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020476 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | PLGQPODNQ1N-6BYG2SJH | Resolved | 2 | R | \* State Prohibited Fees Test Fail (Lvl R) | This loan failed the interest rate test, PA state Lock-in agreement and final fee disclosure available in loan file<br>Interest Rate Test FAIL charged : xxxx Allowed : xxxx Overby : +xxxx<br>Resolved: The loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant. | Resolved: The loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant. | Resolved: The loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020481 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | OE5VKRWP4EJ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020482 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | GMHBVIGOZLW-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the Higher-Priced mortgage loan test as 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020440 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Legal Docs | Doc Issue | FSYIPRNIGBL-H3X4TJ0T | Resolved | 2 | R | \* Missing Title evidence (Lvl R) | Preliminary Title Repoxxxxtle Commitment along with 24 month Chain Of TitlxxxxPxxxxiring instructions if required.<br>xxxx2021 - Received the Short Form Policy which resolves the condition | xxxx2021 - Received the Short Form Policy which resolves the condition | xxxx2021 - Received the Short Form Policy which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020656 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | IEH3ZQ50T2B-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020513 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | F0DUMSE5T1U-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020513 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | F0DUMSE5T1U-6BYG2SJH | Resolved | 3 | R | \* State Prohibited Fees Test Fail (Lvl R) | This loan failed TN state regulation restricted fees test : below are the fees <br> Mortgage Broker Fee : xxxx<br> Processing Fee : xxxx<br> Underwriting Fee : xxxx<br>Resolved: TN counsel stating that the limit on the Broker Fxxxxnder's Fee does not apply to first lien mortgage | Resolved: TN counsel stating that the limit on the Broker Fxxxxnder's Fee does not apply to first lien mortgage | Resolved: TN counsel stating that the limit on the Broker Fxxxxnder's Fee does not apply to first lien mortgage |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020657 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 4MEEBWVCBHK-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020514 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | YIGCM14UVL2-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020486 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | WELG1EKJOEH-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020515 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | TRL155DP012-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020489 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Legal Docs | Doc Issue | CXMCHOXXYVL-H3X4TJ0T | Resolved | 3 | R | \* Missing Title evidence (Lvl R) | missing the Title document<br>xxxx2021 - Short Form Policy provided by the seller which resolves the condition | xxxx2021 - Short Form Policy provided by the seller which resolves the condition | xxxx2021 - Short Form Policy provided by the seller which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020459 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | HBP3HMANZ25-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020459 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | HBP3HMANZ25-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the MD COMAR higher-priced mortgage loan test. (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B(6)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR). While the Maryland 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.<br>MD COMAR Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B 6)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B 6)). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation (Maryland COMAR 09.03.06.02B(13) , COMAR 09.03.09.02B 6)). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020658 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | 2UGLWFJATND-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020659 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | SVOEC4PCTLX-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. both CU risk scores are missing.<br>Resolvedxxxx2023: A Copy of CDA is received | Resolvedxxxx2023: A Copy of CDA is received | Resolvedxxxx2023: A Copy of CDA is received |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020660 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | LNPCAIYYV4S-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020490 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | X2E3XKPIKQT-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged:xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020542 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 2 | Credit | Credit | 2FDTNH5KCOB-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | As this a DSCR loan we do not have income we qualify borrower by DSCR ratio, DSCR=rexxxxTI=25xxxx67.24=0.663. as per the guidelines if DSCR<0.85 he should have minimum xxxx and max LTV is 75%.but the borrower xxxx as per package. so the borrower is not qualified.<br>Exceptional approval with compensating factors available in loan file<br>Excellent Credit History<br>High Asset Reserves |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020491 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | GHUYR3JJLRX-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While 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.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Chrgedxxxx Allowedxxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>| Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a).<br>|  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020491 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | GHUYR3JJLRX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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.<br>Higher-Priced Mortgage Loan test fail: Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020491 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | AUS | AUS | GHUYR3JJLRX-LL4CF7C8 | Resolved | 3 | R | \* Appraisal Value (Lvl R) | Subject Property Appraisal stated value xxxx is more than the appraised value of Final CD xxxx000.00.<br>xxxx2021 - PCCD provided with the correct appraised value which resolves the condition | xxxx2021 - PCCD provided with the correct appraised value which resolves the condition | xxxx2021 - PCCD provided with the correct appraised value which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020492 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | X3SGN33QQ4Y-0O1J05XI | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | Non-Specific Lender Credit amount has decreased by xxxx in Final CD , So required Cost to Cure or Proper COC<br>Resolved - Valid COC updated for reduction in lender credit | Resolved - Valid COC updated for reduction in lender credit | Resolved - Valid COC updated for reduction in lender credit |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020661 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 3 | 1 | Valuation | Doc Issue | NS2AEVQPTTU-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Need to Provide Flood Cert<br>Received flood certificate | Received flood certificate | Received flood certificate |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020496 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | ATUIZQ0MREU-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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, <br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020496 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | ATUIZQ0MREU-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. (CA AB 260, California Financial Code Division 1.94995(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. While 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. <br> CA AB 260 Higher-Priced Mortgage Loan Test: Charged: xxxx allowed: xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020497 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 3MV0FJEHE05-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL Charged:xxxxAllowed:xxxx Over By:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020636 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Q05CPXPF2OP-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL xxxx xxxx +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020498 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | ODJJG3DWVPZ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>This loan failed the higher-priced mortgage loan test: Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020546 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | QIDLVHB52ZW-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is missing in the loan file. Require additional valuation to support the original stated value.<br>Resolvedxxxx2023 : A Copy of CDA is received | Resolvedxxxx2023 : A Copy of CDA is received. | Resolvedxxxx2023 : A Copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020499 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 1AEJ3YXCQ1W-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL Charged xxxx xxxx +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020547 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | L3MEXNEZUG5-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is missing in the loan file. Require additional valuation to support the original stated value.<br>Received RDA | Received RDA | Received RDA |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020502 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 2Z5NTUOTPFH-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL Charged xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020503 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | RKFX4VCJCG1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test.<br>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020550 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | YXRN4MGXPKW-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020551 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | BZMNJIR13RW-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL Charged:xxxx Allowed:xxxx Over By:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020504 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | JXVPIJN5L3X-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020662 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | NLGDGCE21CH-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | The CU risk score is 2.6 and additional LCA risk score is not available and no secondary valuation in the file, so we need secondary valuation for the subject property. Original stated value is xxxx. <br>AVM received with FSD of 0.093 and a variance of 2xxxx. | AVM received with FSD of 0.093 and a variance of 2xxxx. | AVM received with FSD of 0.093 and a variance of 2xxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020505 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 30ZD4C2VP1W-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL Charged xxxx allowed: xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020505 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 30ZD4C2VP1W-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Initial Closing Disclosure is missing in the loan file.<br>xxxx2021 - Initial CD provided by the seller which resolves the condition | xxxx2021 - Initial CD provided by the seller which resolves the condition | xxxx2021 - Initial CD provided by the seller which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020517 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | CKKDTVVOXLV-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test.<br>This loan failed the CA AB 260 higher-priced mortgage loan test : Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020517 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | CKKDTVVOXLV-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020460 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | EL5EUCZUEBG-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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> Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020507 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | AN4EAA5FQK0-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL : Charged :xxxx Allowed :xxxx Over By :+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020637 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | MPC1AZXOKHF-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020663 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | E3PE0J32Z1P-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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 Higher-Priced Mortgage Loan Test: FAIL Chagedxxxx Allowedxxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020519 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | DOJEYS3YJNH-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: Charged FAIL xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020520 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | WHABSVPS4H5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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. Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed:xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020521 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Legal Docs | Doc Issue | SIBRG025NOX-DFWG7HN5 | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Missing proof of hazard insurance xxxx2021 - A copy of hazard insurance provided by the seller which resolves the condition | xxxx2021 - A copy of hazard insurance provided by the seller which resolves the condition | xxxx2021 - A copy of hazard insurance provided by the seller which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020521 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | SIBRG025NOX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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. Higher-Priced Mortgage Loan Test FAIL Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020522 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Q33ZDIX5CTH-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL: Charged :xxxx Allowed :xxxx Over By :+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020528 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Credit | Credit | PWDFXEASXLL-9U3HDYIW | Resolved | 3 | R | \* Missing Initial 1003_Application (Lvl R) | Provide a missing copy of initial 1003 for borrower " xxx ".<br>xxxx2021 - Signed Initial 1003 provided by the seller which resolves the condition | xxxx2021 - Signed Initial 1003 provided by the seller which resolves the condition | xxxx2021 - Signed Initial 1003 provided by the seller which resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020554 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 2AZAXCPR54G-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020530 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Credit | Assets Insufficient | HICY3RK01P2-RDQHOAL4 | Resolved | 2 | R | \* Assets are not sufficient to close (Lvl R) | Insufficient asset to close and for reserves.<br>xxxx2021 - Sufficient assets provided which is used for the subject property to resolves the condition | xxxx2021 - Sufficient assets provided which is used for the subject property to resolves the condition | xxxx2021 - Sufficient assets provided which is used for the subject property to resolves the condition |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020531 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | FG3UBH02KDM-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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>Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020558 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Doc Issue | ZBR3EWETBZN-WMO0OGAE | Resolved | 3 | R | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | CU Risk score is 4.5 and additional CU Risk score is 3.0, so as per guideline need secondary valuation report for the subject property.<br>Received AVM with FSD of 0.043 | Received AVM with FSD of 0.043 | Received AVM with FSD of 0.043 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020559 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Y3FVB04SBL0-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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. Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020561 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Credit | Income | 1BEGPEJURE3-L3KXO96W | Resolved | 3 | R | \* Reverification within 10 days is missing (Lvl R) | Provide verbal VOE for borrower (xxx) from (xxx) dated within 10 business days of closing.<br>Received re-verification from borrower | Received re-verification from borrower | Received re-verification from borrower |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020562 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | TSLKZWVT4L1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR.<br>Higher-Priced Mortgage Loan Test: FAIL Charged : xxxx Allowed : xxxx Over by : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020668 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | KVCB2YHKTEJ-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020670 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | NFFVN4VW5AI-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolvedxxxx2023 : A Copy of AVM is received. | Resolvedxxxx2023 : A Copy of AVM is received. | Resolvedxxxx2023 : A Copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020597 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | YF2QAREU4YX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020567 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | AD1A5BWZXD5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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>Higher-Priced Mortgage Loan Test: FAIL Charged xxxx Allowed xxxx Overby +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020567 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | AD1A5BWZXD5-6BYG2SJH | Resolved | 3 | R | \* State Prohibited Fees Test Fail (Lvl R) | This loan failed the brokeraxxxxnder fee test, below are fee.<br>The mortgage loan charges a brokeraxxxxnder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee.<br>Mortgage Broker Fee : xxxx<br> Underwriting Fee : xxxx<br>Resolved - TN counsel stating that the limit on the Broker Fxxxxnder's Fee does not apply to first lien mortgage. | Resolved - TN counsel stating that the limit on the Broker Fxxxxnder's Fee does not apply to first lien mortgage. | Resolved - TN counsel stating that the limit on the Broker Fxxxxnder's Fee does not apply to first lien mortgage. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020671 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 2 | Credit | Credit | 0QI0HOJE4BX-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | DSCR ratio is 0.90. Loan does not meet ICF guide requirement on minimum FICO requirement. Qualifying FICO is 694 and requirement is for a minimum of 700.<br>Received exceptional approval with compensating factors<br>LTV% less than 80% - 70%<br> Asset Reserves - 36 months |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020598 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | TVJWEI0NPME-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged xxxx Allowedxxxx Over By+xxxx.<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020672 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Credit | Credit | XFN1JBVW3Z1-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | We have the signed Final 1003 available in the package, however Lender Loan Information pages are missing in the loan file.<br>On this 1003 this information is listed on page 3 of 14 and 10 of 14 of the 1003 which is pages 63 and 70 in your file. This 1003 is a little different as it's a joint 1003 and not separated as the and the Lender Loan information is on a separate page. | On this 1003 this information is listed on page 3 of 14 and 10 of 14 of the 1003 which is pages 63 and 70 in your file. This 1003 is a little different as it's a joint 1003 and not separated as the and the Lender Loan information is on a separate page. | On this 1003 this information is listed on page 3 of 14 and 10 of 14 of the 1003 which is pages 63 and 70 in your file. This 1003 is a little different as it's a joint 1003 and not separated as the and the Lender Loan information is on a separate page. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020672 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | XFN1JBVW3Z1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL Charged : xxxx Allowed : xxxx Overby : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020672 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Credit | Guidelines | XFN1JBVW3Z1-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Supporting docs are not available in the package to verify the other income xxxx3 for the borrower.<br>Received exceptional approval validating not using income of xxxx | Received exceptional approval validating not using income of xxxx | Received exceptional approval validating not using income of xxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020672 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | XFN1JBVW3Z1-FSGBNA1Z | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Missing Settlement service provider's list<br>Not required per instruction | Not required per instruction | Not required per instruction |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020570 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | CUKN3SVYLQ2-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020638 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | GODXE4PDSGR-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020639 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | I2PFO3JIEDQ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. Both CU risk scores are missing.<br>Received AVM with FSD of 0.103 | Received AVM with FSD of 0.103 | Received AVM with FSD of 0.103 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020640 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | MMFVLCU3U4U-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing secondary valuation required for securitization. Both CU score are missing.<br>Received RDA | Received RDA | Received RDA |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020573 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 32FAZ2HGCT5-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Initilal closing Disclosure is missing in the loan file.<br>Received initial CD | Received initial CD | Received initial CD |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020602 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 2 | 2 | Credit | Credit | HGVBQUGN3XM-H6XQ79BK | Waived | 2 | W | \* DSCR is less than 1.00 (Lvl W) | DSCR is xxxx with maximum LTV of 80% and the Qualified FICO score of xxxx. According to the guidelines, minimum FICO of 700 and maximum LTV of 75% is required if DSCR < 0.85. The exception approval form is available in the loan file.<br>Compensating factor available in loan file |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020575 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 22UXAWSEVV3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed Higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. <br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020677 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Doc Issue | 52UCXDDKW4I-WP2ZZ45K | Resolved | 3 | R | \* Missing flood cert (Lvl R) | Provide Flood Certification for the subject property "17107 Paxston Point LN, Houston, TX 77095" to Indicate If Property is in a Flood Zone.<br>Received flood certificate | Received flood certificate | Received flood certificate |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020641 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | IVD1IDGBEU3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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. Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020587 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | RM251RVVEL3-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test asUsing 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>Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020642 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | AOKFZ0NYNO5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020682 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Legal Docs | Hazard Insurance | KEELRMZ5V41-G0TZ53U4 | Resolved | 3 | R | \* Hazard Insurance (Lvl R) | Flood Insurance policy is required since the subject property is located in flood Zone AE as per Flood Certification.<br>Received master policy with flood insurance coverage | Received master policy with flood insurance coverage | Received master policy with flood insurance coverage |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020685 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | I2V5I5ZD2WZ-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Missing Secondary Valuation required for Securitization. Both CU risk scores are missing.<br>Received RDA | Received RDA | Received RDA |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020643 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | F50ZQ0X0X5H-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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. Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020686 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | UAXCL5S3NEW-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020609 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | NUCWFHGSXGE-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Secondary valuation for the subject property xxx is required since AVM confidence score from xxx is xxx which is greater than xxx as per requirement.<br>Resolved: Original valuation is supported by 2 additional valuation including AVM and latest RDA. | Resolved: Original valuation is supported by 2 additional valuation including AVM and latest RDA. | Resolved: Original valuation is supported by 2 additional valuation including AVM and latest RDA. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020609 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Legal Docs | Doc Issue | NUCWFHGSXGE-RMHHY40D | Resolved | 3 | R | \* Note data is missing or inaccurate (Lvl R) | Original Note documents reflects incorrect loan amount as xxxx whereas Deed of trust, final CD and all signed documents shows loan amount as xxxxequire Note document amended with correct loan amount as xxxxReceived corrected Note with loan amount of xxxx | Received corrected Note with loan amount of xxxx | Received corrected Note with loan amount of xxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020687 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | BL5OVHAGUA5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL Charged : xxxx Allowed : xxxx Overby : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020688 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | O1VZQFAGMOR-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score missing in the loan file. Require additional valuation to support original stated value.<br>Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020689 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | EHFWPUGANTA-HJ060Q28 | Resolved | 3 | R | \* Higher Price Mortgage Loan (Lvl R) | 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. While 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.<br>CA AB 260 Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020689 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | EHFWPUGANTA-DK9NVDYI | Resolved | 3 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: Charged: xxxx Allowed: xxxx Over by : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020691 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | PIPKSUK54NT-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020691 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | PIPKSUK54NT-KCK2O87U | Cured | 3 | C | \* 0% Tolerance Fees test fail (Lvl C) | TRID Violation due to Credit Report Fee got increased in final Closing Disclosure dated on xxxx cost of xxxx,Which is a Non Shoppable Fee which exceeds 0% tolerance.Valid COC or cost of cure is required.<br>Received lender cure along with PC CD | Received lender cure along with PC CD | Received lender cure along with PC CD |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020691 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Credit | Credit | PIPKSUK54NT-JB8D6DUS | Resolved | 3 | R | \* Missing Final 1003_Application (Lvl R) | In final 1003 application 1st page is missing in loan file<br>Received 1st page of the final 1003 | Received 1st page of the final 1003 | Received 1st page of the final 1003 |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020692 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | T2FBQYIFCB0-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: FAIL xxxx xxxx +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020692 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Valuation | Doc Issue | T2FBQYIFCB0-WP2ZZ45K | Resolved | 2 | R | \* Missing flood cert (Lvl R) | Flood Certificate for the subject property is missing in file.<br>Received flood certificate | Received flood certificate | Received flood certificate |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020695 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | ME5EDC1O1UU-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020695 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | ME5EDC1O1UU-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Initial CD Missing<br>Received initial closing disclosure | Received initial closing disclosure | Received initial closing disclosure |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020697 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 2 | Credit | Income | W5PDD5XGRLA-L3KXO96W | Waived | 3 | W | \* Reverification within 10 days is missing (Lvl W) | Provide verbal VOE for borrower (Harold Lamptey) from (Iconical Clinical Research) dated within 10 business days of closing.<br>Received employment re-verification from Iconical Clinical Research dated xxxx. Re-verification is not completed within 10 days of closing. Require compensating factors for the guideline exception.<br>Received exceptional approval with compensating factors |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020621 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 01CSXS1M0G1-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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> Higher-Priced Mortgage Loan Test FAIL: Charged: xxxx Allowed: xxxx Over by+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020699 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | 5QMINSJJ1M3-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Original appraised valuation is at xxxx0.00. Additional valuation AVM is available in the loan file with confidence score of 0.057 and variance of (1xxxx). xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. | Resolvedxxxx2023: A Copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020625 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | XN13IXGB3Q0-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020625 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | XN13IXGB3Q0-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in theCalifornia Financial Code.While 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.<br>CA AB 260 Higher-Priced Mortgage Loan Test FAIL: charged xxxx allowed xxxx over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020704 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 2KJTN2A4RHW-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test FAIL :Charged:xxxx Allowed :xxxx Over By:+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020705 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 1 | 1 | Valuation | Valuation | EI32NT31N3T-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | Original stated value is xxxx. <br>AVM received with FSD of 0.109 and a variance of 1xxxx. | AVM received with FSD of 0.109 and a variance of 1xxxx. | AVM received with FSD of 0.109 and a variance of 1xxxx. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020708 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | Q2HGPU3KCTX-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as 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. Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020710 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Credit | Doc Issue | 3NIJQPOPVR5-ITW88JKH | Resolved | 3 | R | \* Notice of Servicing Transfer missing or unexecuted (Lvl R) | Notice of servicing Transfer missing in file<br>This file is considered direct boarded; therefore, no Notice of Servicing Transfer Letter is req'd | This file is considered direct boarded; therefore, no Notice of Servicing Transfer Letter is req'd | This file is considered direct boarded; therefore, no Notice of Servicing Transfer Letter is req'd |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020710 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 3NIJQPOPVR5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Chargedxxxx Allowedxxxx Over By+xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020715 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | UMCDG52AQOC-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed Higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. <br> 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>Higher-Priced Mortgage Loan Test FAIL : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020717 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 5RKDIEM13HC-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL Charged xxxx xxxx +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020720 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | DJYDGD3AWNM-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | Appraisal fee increased from initial CD dated xxxx amount of xxxxo Revised CD dated xxxx amount of xxxxariance amount is xxxx<br>Please provide Tolerance cure or COC for Revised CD <br>Updated COC dated xxxx for fee tolerance | Updated COC dated xxxx for fee tolerance | Updated COC dated xxxx for fee tolerance |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020720 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | DJYDGD3AWNM-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: FAIL xxxx xxxx +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020722 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 01CBNRVDSKR-IJH0N5PE | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test is Incomplete (Lvl R) | Initial CD Missing in this loan file.<br>Received initial closing disclosure | Received initial closing disclosure | Received initial closing disclosure |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020725 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | NFHOK1EIZ0P-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. FAIL 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>Higher-Priced Mortgage Loan Test: FAIL Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020726 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 4 | 2 | Credit | Credit | TLVSMWU5PH0-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | DSCR is 0.83. Qualifying FICO is 720, however LTV is at 80%. Loan file does not meet ICF requirement.<br>Received exceptional approval with compensating factor |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020727 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | UXOLGOYEJV5-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020768 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Valuation | Valuation | TM1EM1AYFX0-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020771 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | F3YEPYPIKGW-1SHVZS2F | Waived | 2 | W | \* Foreclosure History does not meet guidelines (Lvl W) | Exceptional approval in loan file for not meeting foreclosure 48 months seasoning requirement.There is 1 month of seasoning remaining and 47 months of verified seasoning Exceptional approval is not signed and dated. Require approval signature and date on exceptional approval form.<br>Exception approval in loan file with compensating factor<br> Low DTI Ratio - 18.47xxxxxxx<br> Length of Time at Employment - Borrower with same employxxxxsiness for 20 years<br> Asset Reserves - 19 months<br> Residual Income - xxxx<br> Excellent Credit History - 0\*30\*24 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020730 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | DFCVIMTCKWM-DK9NVDYI | Resolved | 4 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test FAIL: Charged xxxx Allowed xxxx Over By +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020772 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | TLXFF5VJWNO-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | 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. While 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.<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020772 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | TLXFF5VJWNO-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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>Higher-Priced Mortgage Loan Test: FAIL Charged: xxxx Allowed: xxxx Over by: +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020772 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | TLXFF5VJWNO-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Initial Closing Disclosure missing in the loan package. Require initial closing disclosure document.<br>Received initial CD | Received initial CD | Received initial CD |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020769 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | FP1G3IUR1L1-NTWNZR4M | Resolved | 3 | R | \* ComplianceEase Exceptions Test Failed (Lvl R) | Revised Loan Estimate and Initial Closing Disclosure issue date is xxxx. Disclosure tracker reflects same issue date of xxxx for both revised Loan Estimate and Initial Closing Disclosure.<br>Revised LE issued on xxxx pulled back before being receixxxxknowledge | Revised LE issued on xxxx pulled back before being receixxxxknowledge | Revised LE issued on xxxx pulled back before being receixxxxknowledge |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020735 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | G0T0QJXTCO5-HJ060Q28 | Resolved | 4 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the<br> California Financial Code. While 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<br>CA AB 260 Higher-Priced Mortgage Loan Test: FAIL Charged xxxx Allowed xxxx Over-by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation CA AB 260, California Financial Code Division 1.9 4995(a). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020735 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 4 | 1 | Compliance | Compliance | G0T0QJXTCO5-DK9NVDYI | Resolved | 4 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br> 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>Higher-Priced Mortgage Loan Test: FAIL Charged xxxx Allowed xxxx Over-by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020737 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | FM5OTSIMX4J-L5G0OVLJ | Resolved | 3 | R | \* Missing Initial Closing Disclosure (Lvl R) | Initial Closing Disclosure is missing in the loan file. Require Initial Closing Disclosure.<br>Resolvedxxxx : Received Initial CD and updated, hence conditions cleared. | Resolvedxxxx : Received Initial CD and updated, hence conditions cleared. | Resolvedxxxx : Received Initial CD and updated, hence conditions cleared. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020737 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Legal Docs | Doc Issue | FM5OTSIMX4J-2XRZ4V9U | Resolved | 3 | R | \* Note is missing or unexecuted (Lvl R) | Note is missing in the loan file. Require complete Note document.<br> xxxx : Note received hence condition resolved. | 2/xxxx22 : Note received hence condition resolved. | 2/xxxx22 : Note received hence condition resolved. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020737 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Legal Docs | Doc Issue | FM5OTSIMX4J-HI5N7YPL | Resolved | 3 | R | \* Mortgage missinxxxxnexecuted (Lvl R) | MortgaxxxxT is missing in the loan file. Require MortgaxxxxT document with all applicable rider.<br>xxxx : DOT received hence condition resolved. | 2/xxxx22 : DOT received hence condition resolved. | 2/xxxx22 : DOT received hence condition resolved. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020737 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | FM5OTSIMX4J-KMWEVJ70 | Resolved | 3 | R | \* HUD-1 Closing Statement missing or unsigned (Lvl R) | Final Closing Disclosure is missing in the loan file. Require signed and dated final Closing Disclosure.<br>Resolvedxxxx : Received Final CD and updated, hence conditions cleared. | Resolvedxxxx : Received Final CD and updated, hence conditions cleared. | Resolvedxxxx : Received Final CD and updated, hence conditions cleared. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020737 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | FM5OTSIMX4J-Z558I3BX | Resolved | 3 | R | \* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl R) | Initial Escrow Disclosure is missing in the loan file. Require initial escrow disclosure.<br> xxxx: Received IEAD document hence condition resolved. | 2/xxxx22: Received IEAD document hence condition resolved. | 2/xxxx22: Received IEAD document hence condition resolved. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020738 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | IBK14UH1EJ1-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Cash to is xxxx and representative FICO is lesser than 700. Guide restricts minimum FICO at 700. Loan file is breaching the minimum FICO requirement.<br>Exceptional approval available in loan file with compensating factor<br>Length of Time at Employment<br> Residual Income: xxxx<br> LTV% less than 60% |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020739 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 2 | 2 | Valuation | Valuation | V2PDWEYS0OF-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020739 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | V2PDWEYS0OF-KJ37FOY2 | Waived | 2 | W | \* Consumer lates exceed guidelines (Lvl W) | Guide restricts credit history at 0\*30\*24. Credit report has 1\*30\*24 reported for the account Ford xxxx. Loan file is breaching the guide requirement for minimum credit history requirement. Exceptional approval available in loan file does not address breach in the credit history.<br>Received exceptional approval with compensating factor<br>High Asset Reserves<br> LTV% less than 60% |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020773 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 2 | Credit | Guidelines | JXQSXZDOJS0-MRV4CFVL | Waived | 2 | W | \* Loan amount exceeds guideline maximum (Lvl W) | As per guideline (Minimum loan amount of xxxx000 and max loan amount of xxxx,000, However mention loan amount xxxx0,000. <br>Exceptional approval with compensating factor<br>xxxx<br> Low DTI Ratio - 17.89xxxxxxxx<br> Excellent Credit History - 0\*30\*24<br> High Asset Reserves - 43 months<br> Residual Income - xxxx |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020770 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | GKXJXLJKN45-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | 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.<br>Higher-Priced Mortgage Loan Test: FAIL xxxx xxxx +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020774 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | WASHUWWNPHW-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Borrower have a 1x90 consumer debt in last 12 months. however exception form provided in the file. And mentioned as Exception granted to allow 1x90 with Barclays inxxxx. Debt is now paid in full. Exceptional approval with multiple compensating factor is in loan file. Missing second level approvxxxxderwriting Manager approval. Guide requires multiple exceptions must be signed off on by the Underwriting Manager<br>Exception approval in loan file with compensating factor<br>xxxx<br> Low DTI Ratio - 24.031xxxxxxxx<br> Residual Income - xxxx3 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020740 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 3 | 1 | Valuation | Valuation | IPZECGNGNF5-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. | Resolved xxxx: A copy of CDA is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020775 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 4 | 2 | Credit | Credit | 3U4KNAWB5UG-H6XQ79BK | Waived | 4 | W | \* DSCR is less than 1.00 (Lvl W) | DSCR is 0.82. LTV is 6xxxx and FICO is 646. Loan file is breaching the guide minimum requirement for qualifying FICO of 700.<br>Received exception approval with compensating factor<br> Excellent Credit History<br> LTV% less than 60%<br> Investment Property Ownership - Investment Property Ownership |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020775 |  | xxxx | XXX | xxxx | Purxxxx | Not Coverxxxxempt | 4 | 2 | Credit | Guidelines | 3U4KNAWB5UG-KJ37FOY2 | Waived | 4 | W | \* Consumer lates exceed guidelines (Lvl W) | Guide restricts credit late at 0\*30\*24. Multiple 30 late reported within 24 months. Credit history breaching minimum guide requirement.<br> xxxx<br>Received exception approval with compensating factor<br> Excellent Credit History<br> LTV% less than 60%<br> Investment Property Ownership - Investment Property Ownership |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020779 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | OJSHEOK1PJF-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum FICO of 700 onDSCR lesser than 1%. <br>Exception approval with compensating factor<br>Asset Reserves - 15 months<br> Excellent Credit History - 0\*30\*24 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020749 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | C5QEKLZETLL-NTWNZR4M | Cured | 3 | C | \* ComplianceEase Exceptions Test Failed (Lvl C) | TRID Violation due to 10% of Recording Fee increased on Final CD dated xxxx. Initial LE dated xxxx reflects Recording Fee as xxxx, however Final CD dated xxxx reflects xxxx. This is a fee increase of xxxx which exceeds the 10% tolerance. Please provide either PCCD, LOE, Proof of delivery and copy of the refund check to cure the tolerance amount of xxxx.<br>Received PC CD along with refund for xxxx | Received PC CD along with refund for xxxx | Received PC CD along with refund for xxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020749 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 2 | Compliance | Compliance | C5QEKLZETLL-0O1J05XI | Cured | 3 | C | \* ComplianceEase TRID Tolerance Test Failed (Lvl C) | TRID Violation due to Appraisal Re-Inspection Fee increase on Final CD dated xxxx. Initial CD dated xxxx reflects Appraisal Re-Inspection Fee as xxxx however, Final CD dated xxxx reflects the Appraisal Re-Inspection Fee as xxxx. This is a fee increase of xxxx for Appraisal Re-Inspection Fee which exceeds the 0% tolerance. Please provide either PCCD, LOE, Proof of delivery and copy of the refund check to cure the tolerance amount of xxxx<br>Received PC CD along with refund for xxxx | Received PC CD along with refund for xxxx | Received PC CD along with refund for xxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020750 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | FGI5RQZFLSD-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in<br> 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>Higher-Priced Mortgage Loan Test Fail: Charged xxxxAllowed: xxxx Over by+xxxx | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35 (b) ,(c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020746 |  | xxxx | XXX | xxxx | Cash Out | Non-xxxxmpliant | 3 | 1 | Credit | Guidelines | 4YAYHGSK3E0-28GAQH2C | Resolved | 3 | R | \* Income documentation does not meet guidelines (Lvl R) | Loan file is submitted with 24 months personal bank statement from xxxx. Bank statement for the month of XXX is missing in the loan file. Require xxxx xxxx bank statement for the month of XXX.<br>Received xxxx bank statement for the month of XXX | Received xxxx business xxxx bank statement for the month of XXX | Received xxxx business xxxx bank statement for the month of XXX |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020783 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 1 | 2 | Credit | Guidelines | 4BIBQVPCMD4-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide requires at least one (1) trade line must be a primary residential mortgage reporting for a minimum of twelve (12) months.<br>Exception approval with compensating factor<br>xxxx<br> Asset Reserves - 12 months |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020751 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 3 | 1 | Valuation | Property | IUXHTMY3LS4-8TUTL2SS | Resolved | 3 | R | \* Subject property is located in a FEMA designated disaster area (recent). (Lvl R) | Subject property is located in a FEMA designated disaster area. The disasters since the loan originated - XXX (XXX) - xxxx. Require property inspection reflecting no damage to subject property.<br>Received post disaster inspection report. Subject property is free &clear of disaster related damage. The disaster has had no effect on the subject's value and marketability | Received post disaster inspection report. Subject property is free &clear of disaster related damage. The disaster has had no effect on the subject's value and marketability | Received post disaster inspection report. Subject property is free &clear of disaster related damage. The disaster has had no effect on the subject's value and marketability |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020748 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | IWAIHI1OW23-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts mortgage history at 0\*30\*24. Credit report reflects Fay Servicing LLC xxxx - xxxx - 30<br>Exception approval with compensating factor<br>xxxx<br> Low DTI Ratio - 16.085xxxxxxxx<br> Asset Reserves - 262 months<br> Residual Income - xxxx5 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020784 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | G4V3YLBT21I-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts minimum gross living area at 1000 sq ft. Subject gross living area is at 820 sq ft.<br>Exception approval with compensating factor<br>Asset Reserves - 74 months<br> Excellent Credit History - 0\*30\*24 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020785 |  | xxxx | XXX | xxxx | Purchase | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | RQQ5EWBLOHO-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide requires a 6 months of reserves on subject property. Loan file is submitted with asset shortfall for reserve requirement.<br>Exception approval with compensating factor<br>Excellent Credit History - 0\*30\*24<br> xxxx |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020754 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 4 | 2 | Credit | Guidelines | C34AFYJJFTK-J587LE2V | Waived | 4 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts mortgage history at 0\*30\*12 and consumer credit history at 0\*30\*24. Credit report reflects multiple mortgage and consumer credit late.<br>Exception approval with compensating factor<br>Asset Reserves - 36 months<br> LTV% less than 50% - 4xxxx |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020787 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 3 | 2 | Credit | Credit | BMMJRKRC3ZU-U0OKEMMW | Waived | 3 | W | \* Required Documentation Missing or Incomplete (Lvl W) | The loan file is documented with 2 appraisals, for the subject property, dated xxxx and xxxx. Appraisal dated xxxx reflects property not listed for sale in the past 12 months, however appraisal dated xxxx reflects property listed for sale on xxxx for xxxx and sold for xxxx. SFMLS xxxx35695. LoanSafe Fraud report also validates the sale of the property to borrower on xxxx. Guide requires to use lesser of recent listed price or the appraised value for LTV calculation, if the listing is within 6 months, for both raxxxxrm and cash-out. Utilizing list price of xxxx results in LTV of 9xxxx. Require relevant document axxxx exception approval to proceed with using higher value of xxxx,000 for LTV calculation and not the listed price of xxxxxxxx - Received UW notes for LTV clarification. Require exception approval to proceed with considering actual purchaxxxxle price for LTV calculation and not the list price.<br>Exception approval with compensating factor<br>Excellent Credit History - 0\*30\*24<br> Asset Reserves - 20 months |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020787 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 3 | 2 | Credit | Guidelines | BMMJRKRC3ZU-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a maximum loan amount of xxxxoan file is submitted with loan amount of xxxxException approval with compensating factor<br>Asset Reserves - 20 months<br> Excellent Credit History - 0\*30\*24 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020755 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Compliance | Compliance | QIZRRSRTZ5A-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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> Higher-Priced Mortgage Loan Test Fail : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020755 |  | xxxx | XXX | xxxx | Purxxxx | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | QIZRRSRTZ5A-T67CK90Y | Resolved | 3 | R | \* Credit history does not meet guidelines (Lvl R) | Subject transaction is first time home buyer. Guideline allows with a twelve (12) month residential pay history verified by canceled checks or a 3rd party verification VxxxxM. Canceled checks is missing in the loan file. xxxx xxxx bank statement is available in the loan file reflecting a XXX months of rental payment history from XXX till XXX. Require VOR axxxx bank statement reflecting complete 12 months payment history.<br>Received updated bank statement; xxxx xxxx reflecting payment from XXX till XXX and XXX till XXX; and xxxx xxxx reflecting payment from XXX till XXX; completing the 12 months history of residential payment | Received updated bank statement; xxxx xxxx reflecting payment from XXX till XXX and XXX till XXX; and xxxx xxxx reflecting payment from XXX till XXX; completing the 12 months history of residential payment | Received updated bank statement; xxxx xxxx reflecting payment from XXX till XXX and XXX till XXX; and xxxx xxxx reflecting payment from XXX till XXX; completing the 12 months history of residential payment |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020755 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | QIZRRSRTZ5A-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a maximum payment shock of 250% for first time home buyer. Original loan file is submitted with XXX%.<br>Exception approval with compensating factor<br>xxxx<br> Length of Time at Employment - Borrower is with same businexxxxployer for 24 years<br> Residual Income - xxxx0<br> Excellent Credit History - 0\*30\*24 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020756 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Valuation | Valuation | J3C2ZOG4HNK-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | xxxxA score is more than 2.5. Require additional valuation to support original stated value.<br>Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. | Resolved xxxx: A copy of AVM is received. |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020756 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | J3C2ZOG4HNK-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.<br>Higher-Priced Mortgage Loan Test FAIL Charged : xxxx Allowed : xxxx Over by : +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020756 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Other Disclosures | J3C2ZOG4HNK-ZXHR0C1D | Resolved | 3 | R | \* Missing Required Disclosures (Lvl R) | Subject property is low rise condominium and condominium questionnaire is missing in the loan file. Require condominium questionnaire.<br>Received condominium questionnaire | Received condominium questionnaire | Received condominium questionnaire |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020756 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Credit | J3C2ZOG4HNK-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | Condominium questionnaire reflects that HOA is involved in actixxxx pending litigation. Missing litigation document to validate the warrantable status of the project.<br>Received mail confirmation from The Dawn Homeowners Association, INC stating HOA is no longer involved in any litigation | Received mail confirmation from The xxxx stating HOA is no longer involved in any litigation | Received mail confirmation from xxxx stating HOA is no longer involved in any litigation |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020788 |  | xxxx | XXX | xxxx | Cash Out | Not Coverxxxxempt | 2 | 2 | Credit | Guidelines | NMWU4M4BZII-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a maximum LTV of 60% for cash-out more than xxxx-xxxxMM. <br>Exception approval with compensating factor<br>xxxx<br> Low DTI Ratio - 35.069xxxxxxxx<br> Length of Time at Employment - Borrower with same employmexxxxsiness for 23 years<br> Asset Reserves - 106 months |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020744 |  | xxxx | XXX | xxxx | Refinance | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | FKCPPIU05UI-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file not meeting guide requirement. Guide requires NSF and overdraft activity must be reviewed for acceptability.<br>Exception approval with compensating factor<br>xxxx<br> Low DTI Ratio - 20.833xxxxxxxx<br> Length of Time at Employment - Borrower with same employment for 14 years<br> Asset Reserves - 12 months |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020745 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | QM5XAXJHLFI-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the higher-priced mortgage loan test. 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>Higher-Priced Mortgage Loan Test Fail: Charged xxxx Allowed xxxx Over by+xxxx<br>HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020760 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | 1TMGFUBC4GS-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the MD COMAR higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR). While the Maryland 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.<br> MD COMAR Higher-Priced Mortgage Loan Test Fail: Charged xxxx Allowed xxxx Over by +xxxx<br>HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020761 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 1 | 1 | Compliance | Compliance | 1GOSM4F5AQX-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the MD COMAR higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of Maryland Regulations (COMAR). <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.<br> Higher-Priced Mortgage Loan Test Fail: Charged xxxx Allowed xxxx Over by +xxxx<br>HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020762 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 2 | Credit | Guidelines | VHG1ZP1Z0WN-J587LE2V | Waived | 2 | W | \* Loan does not conform to program guidelines (Lvl W) | Loan file does not meet guide requirement. Guide restricts a maximum payment shock of 350%. Loan file is submitted with a payment shock of 356%.<br>Exception approval with compensating factor<br>xxxx<br> Stability-Length of time at current employment - Borrower with same employxxxxsiness for 20 years<br> Asset Reserves - 32 months<br> Residual Income - xxxx8 |  |  | xxxx |  | QC Complete | xxxx |  |  | xxxx |
| xxxx | 2023020764 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Credit | Assets Insufficient | 1IU0KAQMKZU-RDQHOAL4 | Resolved | 3 | R | \* Assets are not sufficient to close (Lvl R) | Loan file is submitted with insufficient asset documentation. Total documented asset is for xxxx. A gift for xxxx is not documented per the guide requirement. Guide requires either a transfer to borrowers account, axxxx certified check, a cashier's check, money order, or wire transfer if the funds are transferred directly to closing agent.<br>Received receipt confirmation from title company for gift in the amount of xxxx | Received receipt confirmation from title company for gift in the amount of xxxx | Received receipt confirmation from title company for gift in the amount of xxxx |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020764 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 3 | 1 | Compliance | Compliance | 1IU0KAQMKZU-HJ060Q28 | Resolved | 2 | R | \* Higher Price Mortgage Loan (Lvl R) | This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. <br>Higher-Priced Mortgage Loan Test Fail : Charged xxxx Allowed xxxx Over by +xxxx<br>Resolved: HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>| HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d).<br>|  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020765 |  | xxxx | XXX | xxxx | Purchase | Non-xxxxmpliant | 2 | 1 | Compliance | Compliance | XDMYODS2BSL-DK9NVDYI | Resolved | 2 | R | \* Higher-Priced Mortgage Loan test Fail (Lvl R) | This loan failed the CA AB 260 higher-priced mortgage loan test as 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. While 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.<br> CA AB 260 Higher-Priced Mortgage Loan Test Fail: Charged xxxx Allowed xxxx Over by +xxxx. | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). | HPML loans are allowed per originator's guidelines. File was reviewed to ensure that it is compliant with regulation 1026.35(b), (c) and (d). |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |
| xxxx | 2023020766 |  | xxxx | XXX | xxxx | Refinance | Not Coverxxxxempt | 4 | 1 | Credit | Credit | FFDOAIGH2G0-H6XQ79BK | Resolved | 4 | R | \* DSCR is less than 1.00 (Lvl R) | Loan file does not meet guideline requirement. Guide requires a minimum FICO of 700 and a maximum LTV of 75% if (DSCR < 0.85). Original loan file is submitted with DSCR of 0.965 using rental from lease agreement of xxxxHowever, 1007 reflects lesser rental income of xxxx, which needs to be use for DSCR calculation. Accordingly, the correct DSCR on the loan file should have been 0.69. The loan file is not meeting the guide requirement for a maximum LTV of 75%.<br>Received lender confirmation on using lease agreement and rental deposits dated April, May, and June of 2022 for xxxx for DSCR calculation. New DSCR ratio is more than 1% and is meeting guide requirement | Received lender confirmation on using lease agreement and rental deposits dated April, May, and June of 2022 for xxxx for DSCR calculation. New DSCR ratio is more than 1% and is meeting guide requirement | Received lender confirmation on using lease agreement and rental deposits dated April, May, and June of 2022 for xxxx for DSCR calculation. New DSCR ratio is more than 1% and is meeting guide requirement |  |  | QC Complete | xxxx | xxxx | xxxx | xxxx |

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## Exhibit 99.15

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.15**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Scienna ID** | **Customer Loan #** | **Seller Loan #** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xxxx | 2023020048 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3 |
| xxxx | 2023020425 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020066 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020050 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | 1.05 | 2 |
| xxxx | 2023020060 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020099 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.8 |
| xxxx | 2023020067 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.9 |
| xxxx | 2023020051 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.05 | 2 |
| xxxx | 2023020068 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020069 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020085 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.4 |
| xxxx | 2023020070 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 2.2 |
| xxxx | 2023020117 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020091 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.2 |
| xxxx | 2023020071 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020054 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |
| xxxx | 2023020086 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020087 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020072 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020088 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| xxxx | 2023020119 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1 |
| xxxx | 2023020073 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | 1 |
| xxxx | 2023020100 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020101 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| xxxx | 2023020063 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020064 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.1 |
| xxxx | 2023020102 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.7 |
| xxxx | 2023020103 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| xxxx | 2023020055 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3.2 |
| xxxx | 2023020092 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 2.2 |
| xxxx | 2023020065 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020056 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.2 |
| xxxx | 2023020089 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020052 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020049 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.1 |
| xxxx | 2023020057 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| xxxx | 2023020078 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.9 |
| xxxx | 2023020079 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1.5 |
| xxxx | 2023020080 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.8 |
| xxxx | 2023020104 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| xxxx | 2023020074 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| xxxx | 2023020081 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020105 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 5 |
| xxxx | 2023020093 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| xxxx | 2023020090 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020094 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 4.4 |
| xxxx | 2023020095 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.3 |
| xxxx | 2023020082 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.3 |
| xxxx | 2023020083 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.6 |
| xxxx | 2023020106 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| xxxx | 2023020107 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| xxxx | 2023020120 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1.2 |
| xxxx | 2023020053 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| xxxx | 2023020058 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2 |
| xxxx | 2023020061 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.8 |
| xxxx | 2023020059 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.5 |
| xxxx | 2023020062 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020076 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020077 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3.4 |
| xxxx | 2023020084 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
| xxxx | 2023020108 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020109 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020096 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.9 |
| xxxx | 2023020110 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.8 |
| xxxx | 2023020097 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020111 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020115 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020114 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020122 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020098 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 2.3 |
| xxxx | 2023020112 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.4 |
| xxxx | 2023020113 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| xxxx | 2023020118 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 5 | 4 |
| xxxx | 2023020116 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| xxxx | 2023020121 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020123 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.7 |
| xxxx | 2023020877 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.9 |
| xxxx | 2023020873 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | Unavailable | 1.1 |
| xxxx | 2023020883 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020874 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.4 |
| xxxx | 2023020881 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020882 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.2 |
| xxxx | 2023020871 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020872 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | Unavailable | 4.1 |
| xxxx | 2023020878 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.8 |
| xxxx | 2023020879 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020323 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.5 | 1 |
| xxxx | 2023020322 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | Unavailable |
| xxxx | 2023020324 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| xxxx | 2023020325 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.2 |
| xxxx | 2023020326 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020648 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.3 | 0 |
| xxxx | 2023020327 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.3 |
| xxxx | 2023020377 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.3 |
| xxxx | 2023020328 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 4.7 |
| xxxx | 2023020329 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.7 |
| xxxx | 2023020336 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Not Applicable | 2.1 |
| xxxx | 2023020508 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.3 |
| xxxx | 2023020330 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.2 |
| xxxx | 2023020509 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| xxxx | 2023020337 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Not Applicable | 2.5 |
| xxxx | 2023020338 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.5 |
| xxxx | 2023020339 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.3 |
| xxxx | 2023020378 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Not Applicable | 1.02 |
| xxxx | 2023020332 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.4 |
| xxxx | 2023020340 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| xxxx | 2023020331 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020341 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Yes | 2 | 2.5 |
| xxxx | 2023020342 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 4.05 |
| xxxx | 2023020379 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| xxxx | 2023020343 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020344 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Not Applicable | 1.9 |
| xxxx | 2023020345 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.3 |
| xxxx | 2023020333 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.2 |
| xxxx | 2023020346 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.3 |
| xxxx | 2023020347 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.3 |
| xxxx | 2023020348 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 5 | 4.7 |
| xxxx | 2023020380 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.3 |
| xxxx | 2023020381 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.2 |
| xxxx | 2023020349 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.4 |
| xxxx | 2023020382 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 3.2 |
| xxxx | 2023020350 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 3 | 4.1 |
| xxxx | 2023020351 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Yes | 3 | 2 |
| xxxx | 2023020352 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| xxxx | 2023020353 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| xxxx | 2023020334 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 4.1 |
| xxxx | 2023020510 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1.7 |
| xxxx | 2023020461 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.7 |
| xxxx | 2023020335 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 2.3 |
| xxxx | 2023020649 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.5 |
| xxxx | 2023020632 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.4 |
| xxxx | 2023020633 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 3 |
| xxxx | 2023020634 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020511 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.5 | 2 |
| xxxx | 2023020383 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1.5 |
| xxxx | 2023020354 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.4 |
| xxxx | 2023020355 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| xxxx | 2023020356 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 3.4 |
| xxxx | 2023020357 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.1 |
| xxxx | 2023020358 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 1 |
| xxxx | 2023020359 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.3 |
| xxxx | 2023020360 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 2.1 |
| xxxx | 2023020384 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.2 |
| xxxx | 2023020385 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.9 |
| xxxx | 2023020386 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3 |
| xxxx | 2023020387 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020361 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.2 |
| xxxx | 2023020362 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020363 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.7 |
| xxxx | 2023020364 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.8 |
| xxxx | 2023020365 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| xxxx | 2023020366 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020367 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 5 |
| xxxx | 2023020589 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 3.1 |
| xxxx | 2023020388 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| xxxx | 2023020368 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| xxxx | 2023020369 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.05 | 1.01 |
| xxxx | 2023020389 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.9 |
| xxxx | 2023020370 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 4.8 |
| xxxx | 2023020426 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020390 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020399 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.5 |
| xxxx | 2023020371 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1.4 |
| xxxx | 2023020462 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020372 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 3 |
| xxxx | 2023020373 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.3 |
| xxxx | 2023020391 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| xxxx | 2023020392 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Not Applicable | 2.3 |
| xxxx | 2023020374 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020393 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3 |
| xxxx | 2023020375 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.4 |
| xxxx | 2023020394 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.9 |
| xxxx | 2023020463 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020376 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.9 | 1.5 |
| xxxx | 2023020400 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Not Applicable | 2 |
| xxxx | 2023020395 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020396 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2 |
| xxxx | 2023020397 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3 |
| xxxx | 2023020401 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Not Applicable | 1 |
| xxxx | 2023020427 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.3 |
| xxxx | 2023020402 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| xxxx | 2023020428 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 3.3 |
| xxxx | 2023020403 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020441 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | 0 | 2.3 |
| xxxx | 2023020398 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.3 |
| xxxx | 2023020442 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 4.5 | 1.4 |
| xxxx | 2023020404 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 2.9 |
| xxxx | 2023020580 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | Unavailable | 1.1 |
| xxxx | 2023020405 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020538 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.8 |
| xxxx | 2023020429 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.7 |
| xxxx | 2023020406 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020407 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2.6 |
| xxxx | 2023020408 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 1 |
| xxxx | 2023020650 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020409 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020410 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 |
| xxxx | 2023020411 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.6 |
| xxxx | 2023020430 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020412 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020413 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020414 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020415 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| xxxx | 2023020416 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020590 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| xxxx | 2023020464 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| xxxx | 2023020443 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020646 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020417 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| xxxx | 2023020418 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020419 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020444 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.3 |
| xxxx | 2023020420 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020431 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 5 |
| xxxx | 2023020465 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020432 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.2 |
| xxxx | 2023020433 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020466 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020421 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 |
| xxxx | 2023020422 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020512 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.6 |
| xxxx | 2023020467 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5 | 1 |
| xxxx | 2023020434 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
| xxxx | 2023020423 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020468 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.1 |
| xxxx | 2023020539 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.8 | 1.8 |
| xxxx | 2023020445 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020446 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | 1 |
| xxxx | 2023020424 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 2 |
| xxxx | 2023020435 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| xxxx | 2023020447 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020469 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.2 |
| xxxx | 2023020448 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020470 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.5 | 1.5 |
| xxxx | 2023020540 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020436 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.5 | 2.3 |
| xxxx | 2023020449 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020471 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4.8 |
| xxxx | 2023020652 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| xxxx | 2023020472 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.4 |
| xxxx | 2023020581 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 |
| xxxx | 2023020437 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| xxxx | 2023020450 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020438 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.5 | 1.6 |
| xxxx | 2023020635 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020653 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.7 |
| xxxx | 2023020473 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 3.2 |
| xxxx | 2023020536 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020451 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020654 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020452 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.6 | 2.2 |
| xxxx | 2023020474 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.2 |
| xxxx | 2023020475 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| xxxx | 2023020655 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.9 |
| xxxx | 2023020453 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020454 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 |
| xxxx | 2023020476 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020455 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020477 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020478 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020479 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| xxxx | 2023020439 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| xxxx | 2023020582 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1 |
| xxxx | 2023020480 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.1 |
| xxxx | 2023020481 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 3 |
| xxxx | 2023020482 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020440 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Applicable | Not Applicable | Not Applicable |
| xxxx | 2023020456 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020656 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020513 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 5 |
| xxxx | 2023020657 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020483 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020484 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.1 |
| xxxx | 2023020485 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020514 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020583 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020457 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 1.8 |
| xxxx | 2023020458 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.5 |
| xxxx | 2023020486 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020515 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020591 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020592 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 2.2 |
| xxxx | 2023020487 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| xxxx | 2023020488 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.7 |
| xxxx | 2023020489 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
| xxxx | 2023020584 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020459 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020658 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020659 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020660 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020593 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020541 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 |
| xxxx | 2023020490 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.5 |
| xxxx | 2023020542 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.3 |
| xxxx | 2023020491 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| xxxx | 2023020585 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 3.3 |
| xxxx | 2023020543 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| xxxx | 2023020544 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.4 |
| xxxx | 2023020492 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2 |
| xxxx | 2023020493 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020661 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020494 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.1 |
| xxxx | 2023020495 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020545 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020496 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.6 |
| xxxx | 2023020497 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.8 |
| xxxx | 2023020636 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020498 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |
| xxxx | 2023020546 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020499 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020500 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020547 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020548 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020501 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| xxxx | 2023020502 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.8 |
| xxxx | 2023020549 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| xxxx | 2023020503 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.5 |
| xxxx | 2023020516 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020550 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020551 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020552 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 5 |
| xxxx | 2023020504 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020662 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020505 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020506 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 3.7 |
| xxxx | 2023020517 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| xxxx | 2023020553 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1 |
| xxxx | 2023020460 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020507 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.7 |
| xxxx | 2023020637 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020663 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020664 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020518 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020519 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.8 |
| xxxx | 2023020520 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020521 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020522 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020523 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.2 |
| xxxx | 2023020524 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.4 |
| xxxx | 2023020665 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020666 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020525 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.1 |
| xxxx | 2023020526 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 2.2 |
| xxxx | 2023020527 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| xxxx | 2023020528 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2 |
| xxxx | 2023020554 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020594 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020537 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1.5 |
| xxxx | 2023020529 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 3.7 |
| xxxx | 2023020530 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | 0.9 |
| xxxx | 2023020555 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020595 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020556 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020531 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.6 |
| xxxx | 2023020557 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 |
| xxxx | 2023020532 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020558 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.5 |
| xxxx | 2023020596 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.1 |
| xxxx | 2023020559 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1.7 |
| xxxx | 2023020533 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.2 |
| xxxx | 2023020560 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020534 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020535 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020561 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 4 |
| xxxx | 2023020562 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020667 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Yes | 1 | 4 |
| xxxx | 2023020563 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.8 |
| xxxx | 2023020564 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 |
| xxxx | 2023020565 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | 1.2 |
| xxxx | 2023020566 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 |
| xxxx | 2023020668 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| xxxx | 2023020669 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.6 |
| xxxx | 2023020670 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020597 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.2 |
| xxxx | 2023020567 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020568 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3 |
| xxxx | 2023020671 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 1.7 |
| xxxx | 2023020569 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.7 |
| xxxx | 2023020598 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020672 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020599 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 2.1 |
| xxxx | 2023020570 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 4.6 |
| xxxx | 2023020638 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020673 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020571 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020600 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020572 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | 1 |
| xxxx | 2023020601 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxxx | 2023020639 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020640 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020573 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020602 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.9 |
| xxxx | 2023020674 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 5 | 1.8 |
| xxxx | 2023020675 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020676 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020574 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020575 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| xxxx | 2023020576 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 1 |
| xxxx | 2023020577 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Yes | 1 | 2.2 |
| xxxx | 2023020586 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020603 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.5 |
| xxxx | 2023020677 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.8 |
| xxxx | 2023020647 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020641 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
| xxxx | 2023020587 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020578 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020678 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.6 |
| xxxx | 2023020642 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020679 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020680 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020604 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.6 |
| xxxx | 2023020681 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.7 |
| xxxx | 2023020605 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| xxxx | 2023020579 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.3 |
| xxxx | 2023020606 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| xxxx | 2023020682 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1 |
| xxxx | 2023020683 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.8 |
| xxxx | 2023020684 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.2 |
| xxxx | 2023020607 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020608 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020685 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020643 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020588 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | 1 |
| xxxx | 2023020686 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020609 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 3.1 |
| xxxx | 2023020687 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020610 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020688 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable |
| xxxx | 2023020689 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.2 |
| xxxx | 2023020690 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 0 | 1.6 |
| xxxx | 2023020611 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.1 |
| xxxx | 2023020612 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020613 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020691 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 3 | 2.4 |
| xxxx | 2023020692 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 4.4 |
| xxxx | 2023020614 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| xxxx | 2023020615 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 2.1 |
| xxxx | 2023020644 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.9 |
| xxxx | 2023020693 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| xxxx | 2023020694 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020616 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020695 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020696 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| xxxx | 2023020617 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.7 |
| xxxx | 2023020618 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.3 |
| xxxx | 2023020619 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.5 | 1.8 |
| xxxx | 2023020620 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020697 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 1.9 |
| xxxx | 2023020621 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020698 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 0.5 |
| xxxx | 2023020699 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3 | 2.9 |
| xxxx | 2023020622 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3 | 1 |
| xxxx | 2023020623 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Not Applicable | 1 |
| xxxx | 2023020700 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.2 |
| xxxx | 2023020624 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020701 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020625 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.7 |
| xxxx | 2023020626 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1.3 |
| xxxx | 2023020702 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.5 |
| xxxx | 2023020703 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 1 |
| xxxx | 2023020704 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| xxxx | 2023020705 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020706 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 1 |
| xxxx | 2023020707 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| xxxx | 2023020627 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020708 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020628 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020629 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1 |
| xxxx | 2023020709 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| xxxx | 2023020710 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.6 |
| xxxx | 2023020630 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.8 |
| xxxx | 2023020711 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020712 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4 | 1 |
| xxxx | 2023020713 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.7 |
| xxxx | 2023020714 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1025 2-4 Family Property | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | 0 |
| xxxx | 2023020715 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020645 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |
| xxxx | 2023020716 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.8 |
| xxxx | 2023020717 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020718 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.4 |
| xxxx | 2023020719 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020720 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.5 |
| xxxx | 2023020721 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 3.2 |
| xxxx | 2023020722 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.3 |
| xxxx | 2023020631 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020723 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1 | 1 |
| xxxx | 2023020724 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.9 |
| xxxx | 2023020725 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 4 |
| xxxx | 2023020726 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020727 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2 |
| xxxx | 2023020728 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020729 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5 | 2.3 |
| xxxx | 2023020777 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020731 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 1.6 |
| xxxx | 2023020732 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.9 |
| xxxx | 2023020733 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 4.3 |
| xxxx | 2023020767 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 2.7 |
| xxxx | 2023020734 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 4 | 1.3 |
| xxxx | 2023020768 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.6 |
| xxxx | 2023020771 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020730 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020772 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020769 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 4.2 |
| xxxx | 2023020735 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | Unavailable |
| xxxx | 2023020736 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020737 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.6 | 1 |
| xxxx | 2023020738 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Unavailable | Unavailable | 4.1 |
| xxxx | 2023020739 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020773 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 4.5 | 2.6 |
| xxxx | 2023020770 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020774 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 2.3 |
| xxxx | 2023020740 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 5 |
| xxxx | 2023020775 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020741 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| xxxx | 2023020776 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | 3.6 |
| xxxx | 2023020778 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1 |
| xxxx | 2023020781 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020782 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.4 |
| xxxx | 2023020779 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.5 | 1 |
| xxxx | 2023020780 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 1.5 |
| xxxx | 2023020742 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 2.6 |
| xxxx | 2023020749 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | Unavailable | 1.2 |
| xxxx | 2023020750 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2 |
| xxxx | 2023020743 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.7 |
| xxxx | 2023020746 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020747 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020783 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 1 |
| xxxx | 2023020786 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020751 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.5 | 2.6 |
| xxxx | 2023020752 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.8 |
| xxxx | 2023020753 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4 | 1.9 |
| xxxx | 2023020748 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Yes | 1 | 1 |
| xxxx | 2023020784 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 2.9 |
| xxxx | 2023020785 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1.4 |
| xxxx | 2023020754 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020787 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Yes | 2 | 1 |
| xxxx | 2023020755 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | No | 4.5 | 1.1 |
| xxxx | 2023020756 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 4.8 |
| xxxx | 2023020788 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1073 Condominiums | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020744 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | Yes | 1 | 1.3 |
| xxxx | 2023020789 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1 |
| xxxx | 2023020745 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| xxxx | 2023020757 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 1.1 |
| xxxx | 2023020758 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | Unavailable |
| xxxx | 2023020759 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5 | 2.4 |
| xxxx | 2023020760 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2 | 2.6 |
| xxxx | 2023020761 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Unavailable | 1 |
| xxxx | 2023020762 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.4 |
| xxxx | 2023020763 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.5 | 1.8 |
| xxxx | 2023020764 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Unavailable | 1 |
| xxxx | 2023020765 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 3.2 |
| xxxx | 2023020766 |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 1.2 |

---

## Exhibit 99.16

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.16**

![](ex9916001.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 ("Selene") performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Angel Oak Mortgage Fund EU B LLC ("Client"). The review was conducted between February 2022 and June 2022 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 8 ATR-QM Exempt loans and 14 Non-QM loans for a total of 22 loans the "Final Securitization Population".

*<u>Credit Reviews (22):</u>*

During the Review, Selene performed a credit review on 22 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (22)</u>*

During the Review, Selene performed a compliance review on 22 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (22):</u>*

During the Review, Selene performed a property valuation review on 22 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (22):</u>*

During the Review, Selene performed a Data Integrity Review on 22 mortgage loans in the Final Securitization Population.

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 22 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;22 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;22 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;22 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;22 | &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, Fitch Ratings ("Fitch") ("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>**

Angel Oak Portfolio Programs Underwriting Guidelines, **(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 is providing 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.

Page **2** of **15**

**<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).

&nbsp;&nbsp;**CREDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&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
 Guidelines cited above;

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;• Analyzed
 asset statements to determine whether funds to close and reserves were within the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed
that credit scores (FICO) and credit histories were within the Guidelines.

&nbsp;&nbsp;**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, Sections 1098 and 1100A of Dodd Frank, and Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act.

&nbsp;&nbsp;**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.

Page **3** of **15**

&nbsp;&nbsp;**DATA INTEGRITY REVIEW**<br>

Selene uploaded tape data into its due diligence application and compares it to the actual documents provided.

&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;• Tape
data is uploaded into the application;

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

&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;• 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 22 mortgage loans, (ii) a Compliance Review on 22 mortgage loans (iii) a Valuation Review on 22 mortgage loans, and (iv) a Data Integrity Review on 22 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 22 mortgage loans; 22 mortgage loans had a rating grade of A, 0 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 (22 overall loans):*** | &nbsp;&nbsp;***Grades per loan (22 overall loans):*** | &nbsp;&nbsp;***Grades per loan (22 overall loans):*** | &nbsp;&nbsp;***Grades per loan (22 overall loans):*** | &nbsp;&nbsp;***Grades per loan (22 overall loans):*** | &nbsp;&nbsp;***Grades per loan (22 overall loans):*** |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - <br> OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO <br> Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;54.54% | &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;31.82% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;3 | &nbsp;&nbsp;13.64% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |

---

Page **4** of **15**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &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 - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | <br>&nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100% | &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - <br> PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;22 | &nbsp;&nbsp;100% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |  |  |  |

---

**<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.

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

Page **5** of **15**

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:

1. Selene
Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **15**

**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.

**<u>Non-QM Scope</u>**

**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. The
 monthly consumer debt payments for use in the debt to income and/or residual income calculation,
 as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Noted
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gathered
 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 will 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

Page **7** of **15**

**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 performed. Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verified
 that the hazard insurance meets the minimum required amount of coverage in the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirmed that the blanket policy meets the minimum amount of
 coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed
 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, confirmed that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirmed
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirmed
 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 will be reported to Client. In addition, when required, Selene looked for an independent, third-party fraud report 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. If the loan did not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

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;

Page **8** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirmed 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 confirmed 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 confirmed 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
 reviewed 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. Verification
 that there is appropriate documentation present to confirm that applicable documents
 have been recorded or have been sent for recording.

**<u>DSCR Scope</u>**

&nbsp;&nbsp;&nbsp;&nbsp;**1.** **Loan Review Scope** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Borrower Qualifications** 

Selene reviewed each loan file to determine whether it contains the following borrower documents and if they adhere to the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence
 of public record search (Thomson Reuters CLEAR)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence
 of asset location searches for additional real estate transactions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Borrowers
 Questionnaire is completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Schedule
 of RE owned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Personal
 Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Background
 Search

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Personal
 Financial Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Liquidity
 and Net Worth Verification Documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit
 Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review
 OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Borrowing Entity Qualifications** 

Selene reviewed each loan file to determine whether it contains the following entity documents and if they adhere to the Guidelines:

Page **9** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Evidence
 of public record search (Thomson Reuters CLEAR) and applicable Sec. of State evidence
 of good standing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Evidence
 of asset location searches

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Business
 Tax Returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Business
 Financials

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Articles
 of Incorporation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Bylaws/Operating
 agreement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Resolution
 to take on Debt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Organizational
 Chart

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Credit
 Approval Memo

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Review
 OFAC reports for any findings

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Property Manager Entity Qualifications** 

Selene reviewed each loan file to determine that property manager entity is incorporated and operated in the United States with bank accounts located in U.S. state and federally chartered bank accounts.

&nbsp;&nbsp;&nbsp;&nbsp;**2.**  **<u>Individual Property Scope</u>** 

&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Business Purpose Loan Affidavit** 

Selene reviewed each loan file to determine whether a Business Purpose Loan is present and properly executed.

&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Lease Review** 

Selene reviewed each loan file to determine whether each property contains a valid lease and determine if it is executed in compliance with the Guidelines, including a review of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Each
 lease has been executed by the applicable tenant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Confirm
 tenant is a natural person

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 lease does not contain "lease to own" provisions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Verify
 vacancy factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Each
 lease contains the monthly rental payment, commencement and expiration dates, and term
 and remaining term are in compliance with the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 rent, vacancy and lease commencement/expiration consistent with underwritten rent roll

&nbsp;&nbsp;&nbsp;&nbsp;**c)** **Valuation Review** 

Selene reviewed the appraisal provided for each property in the loan file to ensure that the value meets the Guidelines and that the market value concluded on the appraisal is properly supported. Selene reviewed the Loan to Value ("LTV") of each loan for program eligibility, pursuant to the Guidelines. Specifically, Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Confirmed
 the appraisal is the correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 property condition and type; confirm it meets Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 that value meets the minimum/maximum per the Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Confirmed
 "as is" and "subject to" values

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 sales comparables and adjustments for relevance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. For
 multifamily properties: reviewed the appraiser's cash flow assumptions, rent comparables,
 cap rate selection and value reconciliation

Page **10** of **15**

&nbsp;&nbsp;&nbsp;&nbsp;**d)** **Insurance Review** 

Selene reviewed each loan file to ensure that the property, flood, and hazard insurance policies are in compliance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;**e)** **Collateral Analysis** 

Selene reviewed each loan file to determine whether it contained the following collateral documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Executed
 Leases

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rent
 Roll

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Rental
 Income Verification (proof of lease payments that demonstrate minimum 90% of scheduled
 gross rents for the previous two-month period.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Operating
 Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Property
 Management Agreement

&nbsp;&nbsp;&nbsp;&nbsp;**f)** **Financial Analysis / Cash Flow Analysis** 

Selene reviewed each loan file to determine whether it contained the following financial documents and if they are in compliance with the Guidelines:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Rent
 Roll:

○ Confirmed monthly rents are populated correctly at the loan level and portfolio level

○ Confirmed Rent verification – proof of lease payments

○ Confirmed vacancy is within Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Operating
 Statements:

○ Confirmed expenses within range, per the Guidelines

○ Confirmed taxes, insurance and HOA are populated at loan level and within range at portfolio level per the Guidelines

○ Confirmed CapEx meets Guidelines for reasonableness

○ Confirmed annual maintenance fees meet Guidelines

○ Confirmed property management fees meet program requirements for range and historical consistency

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Confirmed
 the DSCR meets program Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Property
 Management Agreement / Tri Party Agreement if no property manager

Page **11** of **15**

**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) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

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

ii) proper execution by all required parties;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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.

&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; <br> ii) review relevant document to determine if there was dual compensation; and

Page **12** of **15**

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;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>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;i) <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;j) 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.** **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 completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

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

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

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

vii) 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; and

vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 3.0, as may be updated from time to time.

Page **13** of **15**

**3.** **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 Non-QM 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.

Selene reviewed the Non-QM 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.

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

Page **14** of **15**

**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, as applicable (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, and (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.

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 was notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene made 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 reviewed 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

○ 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.

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

○ 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.

○ Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **15** of **15**

## Exhibit 99.17

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.17**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2023020134 |  |  | xxxx A |
| 2023020856 |  |  | xxxx A |
| 2023020859 |  |  | xxxx A |
| 2023020849 |  |  | xxxx A C |
| 2023020858 |  |  | xxxx A |
| 2023020851 |  |  | xxxx A |
| 2023020860 |  |  | xxxx C A |
| 2023020861 |  |  | xxxx A |
| 2023020850 |  |  | xxxx C A |
| 2023020857 |  |  | xxxx A |
| 2023020135 |  |  | xxxx C A |
| 2023020867 |  |  | xxxx A |
| 2023020865 |  |  | xxxx A |
| 2023020854 |  |  | xxxx C A |
| 2023020852 |  |  | xxxx A |
| 2023020855 |  |  | xxxx C A |
| 2023020862 |  |  | xxxx A D |
| 2023020853 |  |  | xxxx D C A |
| 2023020864 |  |  | xxxx D A |
| 2023020863 |  |  | xxxx A |
| 2023020868 |  |  | xxxx C A |
| 2023020866 |  |  | xxxx A |

---

## Exhibit 99.18

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 2023020849 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Per compliance ease result the compliance test has passed. Finding has been resolved and cleared. - Due Diligence Vendor-xxxx <br> Ready for Review-Document Uploaded. - Seller-xxxx <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"xxxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. - Seller-xxxx | Resolved-Per compliance ease result the compliance test has passed. Finding has been resolved and cleared. - Due Diligence Vendor-xxxx | xxxx |  |  | CA | Primary Residence | Purchase | NA | 386068 | N/A | N/A |
| xxxx | 2023020860 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Finding has been resolved and cleared per uploaded documentation. - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. - Seller-xxxx <br>Open-Hazard Insurance Effective Date of xxxx is after the Note Date of xxxx Hazard Effective date of xxxx is after the Note date so need a HOI to reflect Note date. - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. - Seller-xxxx | Resolved-Finding has been resolved and cleared per uploaded documentation. - Due Diligence Vendor-xxxx | xxxx |  |  | CA | Investment | Purchase | NA | 388384 | N/A | N/A |
| xxxx | 2023020850 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxx <br>Rescinded-Notarized docs acceptable - Due Diligence Vendor-xxxx <br>Ready for Review-Are you speaking of an ID? If not the Bwr is a US Citizen - Seller-xxxx <br>Open-Borrower 1 Citizenship Documentation Is Missing - Due Diligence Vendor-xxxx | Ready for Review-Are you speaking of an ID? If not the Bwr is a US Citizen - Seller-xxxx | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-xxxx <br>Rescinded-Notarized docs acceptable - Due Diligence Vendor-xxxx |  |  |  | CA | Investment | Purchase | NA | 382609 | N/A | N/A |
| xxxx | 2023020135 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-file updated. - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. - Seller-xxxx <br>Open-Updated as per 1003 Initial<br>There is a variance in Hti due to a all other monthly payments are not matching with 1008 from credit report<br>There is a variance in Dti due to a all other monthly payments are not matching with 1008 from credit report<br> - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. - Seller-xxxx | Resolved-file updated. - Due Diligence Vendor-xxxx | xxxx |  |  | NV | Second Home | Refinance | No Cash Out - Borrower Initiated | 458466 | N/A | N/A |
| xxxx | 2023020854 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Lender acknowledged that the Broker CR was used. Finding resolved. - Due Diligence Vendor-xxxx <br> Ready for Review-Document Uploaded. The Brokers credit score of xxxx was used in qualifying - Seller-xxxx <br> Open-<br> 1. Qualifying FICO - Considered from Updated Credit Report in Page #235 - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. The Brokers credit score of xxxx was used in qualifying - Seller-xxxx | Resolved-Lender acknowledged that the Broker CR was used. Finding resolved. - Due Diligence Vendor-xxxx | xxxx |  |  | IL | Primary Residence | Purchase | NA | 458381 | N/A | N/A |
| xxxx | 2023020855 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Lender acknowledged they used broker credit report. Finding resolved. - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. - Seller-xxxx <br>Open-Tape data consider this FICO score from old credit report but we consider the recent one credit report.as per recent one credit report the true data value is matching. - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. - Seller-xxxx | Resolved-Lender acknowledged they used broker credit report. Finding resolved. - Due Diligence Vendor-xxxx | xxxx |  |  | GA | Primary Residence | Purchase | NA | 458941 | N/A | N/A |
| xxxx | 2023020862 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing Required for Securitizations | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-xxxx <br> Resolved-Document Uploaded. Received CDA from the client, finding has been resolved and cleared. - Due Diligence Vendor-xxxx <br> Acknowledged-Lender acknowledged - Due Diligence Vendor-xxxx <br> Acknowledged-Lender acknowledged - Due Diligence Vendor-xxxx <br> Ready for Review-This will be taken of at Securitization - Seller-xxxx <br> Open-No Secondary Value or Additional Review Products have been selected, which are required for securitization. xxxx is provided, But CU score is not given in it. 465 pgno: - Due Diligence Vendor-xxxx | Ready for Review-This will be taken of at Securitization - Seller-xxxx | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-xxxx <br>Resolved-Document Uploaded. Received CDA from the client, finding has been resolved and cleared. - Due Diligence Vendor-xxxx <br>Acknowledged-Lender acknowledged - Due Diligence Vendor-xxxx <br>Acknowledged-Lender acknowledged - Due Diligence Vendor-xxxx | xxxx |  |  | FL | Investment | Purchase | NA | 458534 | N/A | N/A |
| xxxx | 2023020853 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. - Seller-xxxx <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. - Seller-xxxx | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is DSCR.) - Due Diligence Vendor-xxxx | xxxx |  |  | FL | Investment | Purchase | NA | 459134 | N/A | N/A |
| xxxx | 2023020853 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Compliance | Closing | Note does Not Indicate Interest Only Terms but Loan Approved as an Interest Only Program | Resolved-File updated per provided document. - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. - Seller-xxxx <br>Open-Note doc does not Indicate Interest only Team, Loan Approval and Final CD indicates Interest only Loan Program. Also Interest-Only Mortgage Calculator is available on Pg#257 - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. - Seller-xxxx | Resolved-File updated per provided document. - Due Diligence Vendor-xxxx | xxxx |  |  | FL | Investment | Purchase | NA | 459493 | N/A | N/A |
| xxxx | 2023020853 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master Policy Expiration Date of xxxx is Equal to or After the Transaction Date of xxxx Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. The Master and Flood Policy attached - Seller-xxxx <br>Open-Master Policy Expiration Date of xxxx is Prior To the Transaction Date of xxxx. LOX available on pg#431 - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. The Master and Flood Policy attached - Seller-xxxx | Resolved-Master Policy Expiration Date of xxxx is Equal to or After the Transaction Date of xxxx Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-xxxx | xxxx |  |  | FL | Investment | Purchase | NA | 458675 | N/A | N/A |
| xxxx | 2023020853 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. The master and Flood Policy is on the attached - Seller-xxxx <br>Open-Missing Flood Insurance Policy Flood Zone AE. Flood Insurance reqired - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. The master and Flood Policy is on the attached - Seller-xxxx | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-xxxx | xxxx |  |  | FL | Investment | Purchase | NA | 458676 | N/A | N/A |
| xxxx | 2023020864 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. - Seller-xxxx <br>Open-Please provide the occupancy affidavit. - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. - Seller-xxxx | Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-xxxx | xxxx |  |  | DC | Investment | Purchase | NA | 467680 | N/A | N/A |
| xxxx | 2023020868 |  |  | Closed | xxxx | xxxx | Resolved | 1 - Information C A | Credit | Closing | Gap Credit Report Within 10 Days of Closing is Expired | Resolved-Gap Credit Report Date of xxxx is less than or equal to 10 days from Transaction Date of xxxx and Gap Report Doc Status is Present - Due Diligence Vendor-xxxx <br>Ready for Review-Document Uploaded. Note: The Original CR was dated xxxx. if you review the GAP Report xxxx is on the top left corner the date pulled. I re-uploaded for your review - Seller-xxxx <br>Open-Gap Credit Report Date of xxxx is greater than 10 days from Transaction Date of xxxx and Gap Report Doc Status is Present - Due Diligence Vendor-xxxx | Ready for Review-Document Uploaded. Note: The Original CR was dated xxxx. if you review the GAP Report xxxx is on the top left corner the date pulled. I re-uploaded for your review - Seller-xxxx | Resolved-Gap Credit Report Date of xxxx is less than or equal to 10 days from Transaction Date of xxxx and Gap Report Doc Status is Present - Due Diligence Vendor-xxxx | xxxx |  |  | GA | Primary Residence | Refinance | Cash Out - Other | 468336 | N/A | N/A |

---

## Exhibit 99.19

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Borrower Name** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **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 Vendor** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 2023020134 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023020856 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 2023020859 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023020849 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023020858 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020851 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 2023020860 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023020861 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023020850 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023020857 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2023020135 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023020867 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 2023020865 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023020854 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 2023020852 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023020855 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 2023020862 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 2023020853 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 2023020864 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 2023020863 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 2023020868 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |  |
| 2023020866 |  | xxxx |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |

---

## Exhibit 99.20

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.20**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2023020134 |  | xxxx | Application Date | complianceDetailPage | xxxx | xxxx | Per 1003 on page 1024 |
| 2023020859 |  | xxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxxx | xxxx | Within tolerance |
| 2023020859 |  | xxxx | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | xxxx | xxxx | Within tolerance |
| 2023020851 |  | xxxx | Qualifying FICO | creditLiabilitiesPage | xxxx | xxxx | This is baes on CR and shows the score as xxxx on the 1008 |
| 2023020851 |  | xxxx | Application Date | complianceDetailPage | xxxx | xxxx | The xxxx is the date the LO signed but all docs were sent out on xxxx when the brw signed the application |
| 2023020135 |  | xxxx | Application Date | the1003Page | xxxx | xxxx | Updated as per 1003 Initial |
| 2023020867 |  | xxxx | Property Type | propertyValuationPage | xxxx | xxxx | Verified the property type per appraisal |
| 2023020854 |  | xxxx | Qualifying FICO | creditLiabilitiesPage | xxxx | xxxx | Considered from Updated Credit Report in Page #235 |
| 2023020855 |  | xxxx | Qualifying FICO | creditLiabilitiesPage | xxxx | xxxx | True data extracted from most recent credit report in file. Finding added. |
| 2023020863 |  | xxxx | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | xxxx | xxxx | updated all the trade lines and Reo Mortgage expenses from 1003 and credit report, but those are not matching with 1008 all other monthly payments, due to which DTI variance occurs |
| 2023020868 |  | xxxx | Application Date | the1003Page | xxxx | xxxx | Data matches, Borrower signed xxxx and LO Signed xxxx on Initial Application page 580 |

---

## Exhibit 99.21

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.21**

**EXECUTIVE NARRATIVE:**

This Executive Summary summarizes the independent third-party due diligence review (the "Review") conducted on 69 residential mortgage loans by Recovco Mortgage Management, LLC ("Recovco") on behalf of its Client, Angel Oak Mortgage Fund EU B LLC ("Client").

Recovco's reports, which are to be made available to the recipient by the Client, include the loan-level results of Recovco's independent, third-party due diligence review conducted for the Client.

Recovco performed certain due diligence services described below on residential mortgages. The review was conducted on behalf of Client from August 2021 to January 2022 via file images provided by the Client for the review.

The table below identifies the origination channel for the loans in the subject review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp; <br> **Origination Channel** | &nbsp;&nbsp; <br> **Loan Count** | &nbsp;&nbsp; <br> **Percentage Of Reviewed Population (by count)** |
| &nbsp;&nbsp; <br> **Retail** | &nbsp;&nbsp; <br> 8 | &nbsp;&nbsp; <br> 11.50 |
| &nbsp;&nbsp; <br> **Broker** | &nbsp;&nbsp; <br> 52 | &nbsp;&nbsp; <br> 75.00 |
| &nbsp;&nbsp; <br> **Correspondent Bulk**  | &nbsp;&nbsp; <br> 9 | &nbsp;&nbsp; <br> 13.50 |
| &nbsp;&nbsp; <br> **Total** | &nbsp;&nbsp; <br> **69**  | &nbsp;&nbsp; <br> 100% |

---

**DESCRIPTION OF SERVICES:**

Recovco was instructed to perform a credit, regulatory compliance, data validation, and valuation review (the "Review Population") in accordance with national recognized statistical rating organization, Fitch Ratings Inc. ("NRSRO(s)") review standards in place as of the review date.

**LOAN REVIEW POPULATION:**

Recovco does not know the size of the overall securitization population and other third-party review firms that may have been engaged.

The table below summarizes the reviews conducted by Recovco:

Page **2** of **19**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;69 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;69 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;69 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;69 | &nbsp;&nbsp;100% |

---

**DATA INTEGRITY:** 

Where available, Recovco compared the data fields below on the bid tape provided by the Client to the data found in the actual file as captured by Recovco. This information may not have been available for all mortgage loans. This comparison included the following data fields:

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;1<sup>st</sup> Rate Chg Date | &nbsp;&nbsp;Rate Index | &nbsp;&nbsp;Rounding Code |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;Sale Price | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Lookback Period |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;LTV | &nbsp;&nbsp;MI Company | &nbsp;&nbsp;Neg Am Flag | &nbsp;&nbsp;Initial Rate Cap |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;CLTV | &nbsp;&nbsp;MI Coverage | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;Periodic Rate Cap |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;Life Rate Cap |
| &nbsp;&nbsp;State | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Life Rate Floor |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp; DTI | &nbsp;&nbsp;Next Rate Chg Date | &nbsp;&nbsp;Reset Frequency |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Self Employed Flag | &nbsp;&nbsp;First Pmt Chg Date |  |
| &nbsp;&nbsp;Orig Credit Score | &nbsp;&nbsp;Interest Only Flag |  | &nbsp;&nbsp;Next Pmt Chg Date |  |

---

**CREDIT UNDERWRITING:**

Recovco performed a review of the loan package to determine whether such package meets the credit and property underwriting criteria of applicable guidelines, in effect at the time of such loan's origination and that adequate support for the underwriting decision is contained in the file. Recovco reported to Client any exceptions utilizing Client accessed Recovco systems or other mutually agreed upon written report.

To complete these activities, Recovco completed a review utilizing the following review scope:

Recovco will review 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 Recovco and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the mortgage loan file will also be performed.

Page **3** of **19**

Credit Application: For the Credit Application, Recovco will verify 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: Recovco's review will include 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, Recovco: will (i) capture the monthly consumer debt payments for use in relevant calculations, (ii) note and research the Real Estate Owned and fraud alerts, and (iii) gather 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: Recovco will determine 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 will be 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, (vi) IRS tax transcripts, and for certain programs (vii) bank statements.

Asset Review: Recovco will assess 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, Recovco will complete 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, (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: Recovco will review the insurance present on the mortgage loan. During this review, Recovco will (i) verify that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirm that the mortgage clause listed the lender's name and "its successors and assigns,", (iii) confirm that the premium amount on both the hazard and flood insurance matched what was used in the debt-to-income ("DTI") calculations, (iv) review the tax certificate to verify and compare monthly escrows used to calculate DTI matched, (v) confirm that the flood certification was for the correct borrower, property, lender and mortgage loan number, and (vi) complete 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 Review: When provided and appropriate, Recovco will verify that DU findings included an approved/eligible decision as required per guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by Client guidelines and not AUS findings.

Occupancy Review: Recovco will confirm 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: Recovco will confirm 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 to be examined include (i) DTI of the borrower, (ii) the LTV/CLTV/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.

Page **4** of **19**

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

If a report was present, Recovco will review 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 are noted, Recovco will confirm that such findings and/or variations were addressed by the originator in the origination of the asset or that such red flag issues were fully addressed via mortgage loan documentation provided.

Additional Review of Mortgage Loan File: Recovco will review the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in this portion of the review are items such as reviewing for (i) evidence of primary mortgage insurance, and (ii) the presence of loan modification documents, and (iii) 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, Recovco will seek to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagors 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.

**REGULATORY COMPLIANCE REVIEW:**

Please be advised that Recovco 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 Recovco are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Recovco is relying in reaching such findings.

Please be further advised that Recovco does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Recovco do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Recovco. Information contained in any Recovco 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 Recovco 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 Recovco 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. Recovco does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Recovco.

Page **5** of **19**

**Regulatory Compliance Analysis:** TPR will test each Mortgage Loan to verify that it 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 Mortgage Loan meets (i) the Truth in Lending Act ("TILA"), as amended by HOEPA, 15 U.S.C. §1601 et seq., as implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603, as implemented by Regulation X, 12 C.F.R. Part 1024; (iii) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations (as applicable); and (iv) the disclosure requirements and prohibitions of the applicable state and local laws and ordinances that were enacted to combat predatory lending.

**1.**  **<u>The following section is applicable to Mortgage Loans with an application date on or after October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the
following documents for regulatory compliance:

&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. Initial and final application (1003)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Initial and Re-disclosed Loan Estimates ("LE")

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice of Right to Cancel (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;viii. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/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;i. Review of federal, state &
local high cost, higher-priced and/or anti-predatory laws and regulations, including those set forth on <u>Schedule 1</u>. 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 must be reported.

&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. Missing initial application
/ rate lock confirmation – 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 6-month window prior to closing date for missing application date; and (2) all dates between application and closing
for missing rate set date. Other evidence in 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 on a case by case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to
determine compliance with the requirements of TILA/Regulation Z including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review and comparison of LEs and CDs with a report outlining any TILA
violations, including a re-calculation of disclosed finance charge, principal and interest calculations, proper completion of the Projected
Payments table, recalculation of disclosed APR and a review to determine disclosure differences were within the allowed tolerances and
disclosures were provided within the required timeframe;

&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. Loan Estimate ("LE"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the presence of the current LE in effect at the time of origination;

Page **6** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 LE was provided to the borrower(s) within three (3) business days
of the date the lender (or broker if applicable) received an "application" and at least 7 business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify LE was provided to the borrower(s) within three (3) business days
of: (a) the date the rate was locked; and (b) the date an expired rate lock was re-locked (if applicable). Evidence of rate lock (e.g.,
rate lock agreement, screen shot) is necessary to confirm rate lock date. A revised LE is not required to be disclosed if the rate has
been extended with no other changes to the previously disclosed interest-rate dependent charges or terms provided the borrower has not
entered into a new rate lock agreement with the lender.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify the final LE was provided at least 4 business days prior to consummation
and that no LE was provided to the borrower after a CD was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify all sections of the LE were accurately completed and that information
was reflected in the appropriate locations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Determine whether a valid and properly documented reason (changed circumstance
affecting settlement charges, changed circumstance affecting eligibility, revision requested by the consumer, interest rate has been locked,
LE has expired, delayed settlement date on construction loan) accompanies a revised LE containing any increase in fee(s) (subject to the
good faith provisions in 12 CFR § 1026(e)(3)), and verify if an LE was provided within 3 business days of the lender's (or
broker's) receipt of information sufficient to establish that a reason for a revision applies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Any increase in (1) a fee that is subject to zero tolerance or (2) fees
that cause the aggregate amount of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% that are disclosed
on a LE but not accompanied by one of the six specified reasons should be disregarded for purposes of tolerance testing, including any
reset of tolerances. For that fee, the amount on the previously properly-disclosed LE should be used for testing of the zero and
10% tolerance categories. All other fees that have changed and are disclosed in compliance with TILA should be included in the tolerance
testing, including changes to interest-rate related charges that change while the interest rate is floating and/or change upon re-disclosure
within three (3) business days of rate lock or re-lock.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) are permissible
provided there is no evidence that the lender (or broker, if applicable) did not disclose the increase based on the best information reasonably
available at the time (e.g. failure to disclose a homeowner's insurance premium when homeowner's insurance is required; prepaid
interest amounts that are not consistent with the date the loan will close or with changes to loan terms).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Documentation that simply restates the change (e.g. fee increased) with
no further explanation is not sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. A difference between the disclosed Total Interest Percentage (TIP) and the
calculated TIP (either under- or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the
loan payment to whole cents as permitted by 12 CFR § 1026.17(c)(3), this should be noted in the condition.

&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. Closing Disclosure ("CD"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the current applicable CD was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify all sections of the CD were accurately completed and that information
was reflected in the appropriate locations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 that the borrower, or each consumer with the right to rescind the
transaction (if applicable), was provided with a copy of the CD within 3 business days of consummation;

Page **7** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the initial CD has been provided in lieu of a revised LE because there
were fewer than four business days between the time the revised LE was required to be delivered and consummation, the CD may be used to
reset fee tolerances provided the loan did in fact close within that timeframe and valid changed circumstances are documented to support
fee increases as discussed below.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Any increase in (1) a fee that is subject to zero tolerance or (2) fees
that cause the aggregate amount of charges as defined in 12 CFR § 1026.19(e)(3)(ii) to increase by more than 10% is limited to one
of the six reasons specified in the rule (changed circumstance affecting settlement charges, changed circumstance affecting eligibility,
revision requested by the consumer, interest rate has been locked, LE has expired, delayed settlement date on construction 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Any of these increased fees that are disclosed on the CD but not accompanied
by one of the six specified reasons should be disregarded for purposes of tolerance testing, including any reset of tolerances. 
For that fee, the amount on the previously properly-disclosed LE should be used for testing of the zero and 10% tolerance categories.
All other fees that have changed and are disclosed in compliance with TILA should be included in the tolerance testing, including changes
to interest-rate related charges that change while the interest rate is floating and/or change upon re-disclosure within three (3) business
days of rate lock or re-lock).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Documentation that simply restates the change (e.g. fee increased, etc.)
with no further explanation is not sufficient.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Increases in fees as defined in 12 CFR § 1026.(e)(3)(iii) that are
disclosed on the initial CD or any re-disclosed CD are permissible provided there is no evidence that the lender did not disclose the
increase based on the best information reasonably available at the time (e.g. failure to disclose a homeowner's insurance premium
when homeowner's insurance is required; prepaid interest amounts that are not consistent with the date the loan will close or with
changes to loan terms).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Any fees that 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 § 1026.19I(3)(i)
– (iii). For example, if a $500 appraisal fee (for which the borrower could not shop) that was disclosed on the LE as paid in full
or in part by the seller 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. Fees paid by the lender should be reviewed
for compliance with 12 CFR § 1026.19I(3)(i) (i.e.; an increased lender credit to cover an increased fee does not constitute a zero
tolerance 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).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. A difference between the disclosed Total Interest Percentage (TIP) and the
calculated TIP (either under- or over-disclosed) should be conditioned. If the difference in calculation is due to the rounding of the
loan payment to whole cents as permitted by 12 CFR § 1026.17I(3), this should be noted in the condition.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. For loans originated prior to October 10, 2017, any difference between the
disclosed Total of Payments (TOP) and the calculated TOP (either under- or over-disclosed) should be conditioned. Effective for loans
originated on/after October 10, 2017, the applicable tolerances in 12 CFR § 1026.23(g)(1)(ii) and § 1026.23(h)(2)(ii) (i.e.
$35 tolerance for under-disclosure of TOP for loans subject
to rescission) apply. TPR will note if a tolerance has been exceeded and, if so, the amount necessary to cure the tolerance violation.

Page **8** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 to confirm if any changes occurred before consummation that required
a new 3-business day waiting period and, if so, if revised disclosures were provided and the required waiting period was met;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. If the APR decreases by greater than 1/8 of one percentage point, (or ¼
of one percentage point for an irregular transaction), confirm the disclosed APR resulted from the disclosed finance charge (i.e. the
finance charge also decreased).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;J. Review any CDs provided to the borrower post-consummation to confirm revised
disclosures and refunds were provided as required and within the required timeframes.

&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. Written Estimate of Terms or Costs – confirm that any term/cost estimate
provided to the borrower meets the content requirements of TILA and is not provided after the borrower has been, or is required to be,
provided the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. A Written Estimate of Terms or Costs may be provided within the 3-business
day period after the lender's receipt of a loan application as long as the Written Estimate is provided before the borrower receives
the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Written List of Settlement Service Providers:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. If the borrower was permitted to shop for any settlement services as evidenced
by the LE, confirm the Written List of Settlement Service Providers is in the Mortgage Loan File and meets the content requirements of
TILA, including providing the name of at least one provider for each service for which the borrower was permitted to shop; 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;1. If the borrower was permitted to shop for a settlement service as evidenced
on the LE and the List of Settlement Service Providers was not provided or did not list a provider for that service, the cost of the service
must be included in the ten percent tolerance category unless the settlement service provider was the creditor or an affiliate of the
creditor, in which case the cost of the service is considered an increase subject to the zero tolerance category. TPR will note if the
tolerance has been exceeded and, if so, the amount necessary to cure the tolerance violation. TPR will also note a violation for failing
to provide at least one settlement service provider for a service for which the borrower was entitled to shop.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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 the List of Settlement Service Providers was provided to the borrower(s)
at the time of the LE disclosing the applicable service(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Special Information Booklet ("Your Home Loan Toolkit"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Confirm the presence of the Special Information Booklet ("Your Home
Loan Toolkit") in the Mortgage Loan File or that the Mortgage Loan File contains sufficient evidence that the disclosure was provided
to the borrower (*e.g.,* cover letter reflecting the Booklet as an enclosure) on purchase and construction (construction to permanent
loans) Mortgage Loans; 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;B. Confirm the Special Information Booklet ("Your Home Loan Toolkit")
was provided within three (3) business days of the date the lender (or broker if applicable) received an "application."

Page **9** of **19**

&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. A review of the Notice of Right to Cancel, including a verification of the
transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the
disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. 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. TPR 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;viii. Where the loan file contains
evidence of a loan modification (other than a modification pursuant to the Home Affordable Modification Program (HAMP), review file to
determine if the loan was a true modification that would not require new TILA disclosures. If not a true modification, must be treated
as a refinancing for purposes of new TILA disclosures. Review notes / mortgages / mod agreements & determine if existing
note / mortgage have been satisfied and replaced. If so, qualifies as refinancing unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. Reduction in APR with corresponding change in payment schedule (shortening
of maturity, reduction in payment amount or number of payments). However, if maturity is lengthened or if payment amount or # of
payments is increased beyond that remaining on existing transaction, new disclosures are required; 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;B. Change in payment schedule or collateral requirements as a result of default/
delinquency. However, if rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or
a fixed rate loan is being modified into an adjustable rate loan, new disclosures required.

&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. A review to ensure the Mortgage Loan meets the applicable Ability-to-Repay
("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR
§ 1026.43. For purposes of such review, where loans were originated by a broker, consider the loan application date to be the date
the loan file was received by the original creditor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA/Regulation X: Review
to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the Mortgage Loan for RESPA
disclosures (Servicing Disclosure Statement; Affiliated Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of
Homeownership Counselling Organizations).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Mandatory Arbitration –
TPR will report mandatory arbitration provisions present in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Single Premium Credit Insurance – TPR will report single premium credit
insurance policies or debt cancellation agreements present in the loan file.

Page **10** of **19**

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

**2.**  **<u>The following section is applicable to Mortgage Loans with an application date prior to October 3, 2015</u>:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Documentation. Review of the
following documents for regulatory compliance:

&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. Initial and final application (1003)

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Final HUD-1 Settlement Statement ("HUD-1"). If the final HUD-1
is missing, TPR will review for compliance using the estimated HUD-1 if available in the file. TPR will report if the final HUD-1 is missing
and note in the condition that (a) testing was performed using an estimated HUD-1 or (b) there was no estimated or final HUD-1 in the
file available for 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;vi. Initial, Final and Re-disclosed Truth in Lending Disclosures ("TIL")

&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. Notice of Right to Cancel (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;viii. Initial and Re-disclosed Good Faith Estimates ("GFE")

&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. Rate Lock date information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High Cost/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;i. Review of federal, state &
local high cost, higher-priced and/or anti-predatory laws and regulations, including those set forth on <u>Schedule 1</u>. 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 must be reported.

&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. Missing initial application
/ rate lock confirmation – 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 6-month window prior to closing date for missing application date; and (2) all dates between application and closing
for missing rate set date. Other evidence in 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 on a case by case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. TILA/Regulation Z. Review to
determine compliance with the applicable requirements of TILA/Regulation Z including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review and comparison of
the initial and final TIL, and any re-disclosed TIL(s), with a report outlining any TILA violations, including a re-calculation of disclosed
finance charge, proper execution by all required parties, principal and interest calculations, proper completion of the interest rate
and payment summary, recalculation of disclosed APR, and a review to determine disclosure differences were within the allowed tolerances
and disclosures were provided within the required timeframes;

&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. A review of the Notice of Right
to Cancel, including a verification of the transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel
by all required parties verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided
to the borrower(s);

Page **11** of **19**

&nbsp;&nbsp;&nbsp;&nbsp;&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. 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. TPR 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;iii. Where the loan file contains
evidence of a loan modification (other than a modification pursuant to the Home Affordable Modification Program (HAMP), review file to
determine if the loan was a true modification that would not require new TILA disclosures. If not a true modification, must be treated
as a refinancing for purposes of new TILA disclosures. Review notes / mortgages / mod agreements & determine if existing
note / mortgage have been satisfied and replaced. If so, qualifies as refinancing unless:

&nbsp;&nbsp;&nbsp;&nbsp;&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. Reduction in APR with corresponding change in payment schedule (shortening
of maturity, reduction in payment amount or number of payments). However, if maturity is lengthened or if payment amount or # of
payments is increased beyond that remaining on existing transaction, new disclosures are required; 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;B. Change in payment schedule or collateral requirements as a result of default/
delinquency. However, if rate is increased or additional credit is advanced beyond amounts already accrued plus insurance premiums, or
a fixed rate loan is being modified into an adjustable rate loan, new disclosures required.

&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. For Mortgage Loans with an application date on or after January 10, 2014,
a review to ensure the Mortgage Loan meets the applicable Ability-to-Repay (ATR) and Qualified Mortgage (QM) qualifications as set forth
in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR 1026.43. For purposes of such review, where
loans were originated by a broker, consider the loan application date to be the date the loan file was received by the original creditor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. RESPA/Regulation X: Review
to ensure compliance with the applicable requirements of RESPA/Regulation X including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Good Faith Estimate (" <u>GFE</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;&nbsp;&nbsp;&nbsp;&nbsp;A. Confirm the presence of the current GFE form in effect at the time of origination.
Verify GFE was provided to the borrower(s) within three (3) business days of the date the lender (or broker if applicable) received an
"application," which is to be defined by the lender;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. RESPA 2010: Determine whether a valid and properly documented change in
circumstance accompanies any re-disclosed GFE containing 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. any change(s) to loan terms, including any increase in rate after the rate
has been locked and/or change to loan program; 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;2. Any increase in fee(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Final HUD-1: Confirm compliance with the RESPA requirements in effect as
of origination of the Mortgage Loan including, but not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&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. Current applicable HUD-1 form was provided;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Escrow deposit on the HUD-1 matches the initial escrow statement amount;
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;C. Verify all sections of the HUD-1 were accurately completed and that information
was reflected in the appropriate locations.

Page **12** of **19**

&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. GFE and Final HUD-1 Comparison (RESPA 2010): Confirm compliance with the
RESPA requirements in effect as of origination of the Mortgage Loan including, but not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&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. Review changes disclosed on the latest GFE provided to the borrower to ensure
that they were within the allowed tolerances as set forth in the RESPA requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Confirm Mortgage Loan terms and fees disclosed on the third page of the
HUD-1 accurately reflected how they were disclosed on the GFE and how the Mortgage Loan closed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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. A change in loan amount from the latest GFE to the HUD-1 is acceptable and
should not be conditioned. Any other changes to loan terms must be noted.

&nbsp;&nbsp;&nbsp;&nbsp;&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. Review any attempt to cure a RESPA violation to ensure that the proper reimbursement
was made and/or a new HUD-1 was provided and that it was done within the required thirty (30) day window.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Additional RESPA/Regulation
X Disclosures and Requirements: Confirm compliance with RESPA/Regulation X documentation and timing requirements in effect at origination
of the Mortgage Loan for other RESPA disclosures (Servicing Disclosure Statement; Special Information Booklet; Affiliated Business Arrangement
Disclosure; Initial Escrow Disclosure Statement).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Equal Credit Opportunity Act/Regulation
B: Confirm compliance with the January 18, 2014 requirements regarding the disclosure of the right to receive a copy of appraisals within
three (3) business days of application, the right to receive a copy of the appraisals at least three (3) business days prior to consummation
and any applicable waiver.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Mandatory Arbitration –
TPR will test for mandatory arbitration provisions in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Single Premium Credit Insurance – TPR will test for purchase loans
with 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;j. TPR will test for state prepayment
and late charge restrictions. If a prepayment penalty that exceeds the state permitted penalty has expired, this must be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Georgia and New Jersey –
Vendor will report the following 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. Mortgage loans subject to the
Georgia Fair Lending Act and originated between October 1, 2002 and March 6, 2003.

&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. Cash-out refinance mortgage
loans originated between November 27, 2003 and July 5, 2004 that meet the definition of a "covered home loan" pursuant to
the New Jersey Homeownership Security Act.

Business Purpose Loan submitted pursuant to this Exhibit and designed by Client as a Business Purpose Loan will be automatically deemed and

reported as "Exempt" and Recovco will not perform any ATR/QM Testing or TRID Testing.

Page **13** of **19**

**<u>Qualified Mortgage</u>**

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

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

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

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

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

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

Note: for loans designated as QM – agency eligible, Recovco will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

Page **14** of **19**

**VALUATION REVIEW:**

For each Mortgage Loan, Recovco performed Property Valuation Review Services in accordance with the following waterfall:

The value of the underlying property. Recovco's review will include verifying the appraisal report was (i) on the appropriate 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.

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

Other aspects of Recovco's review include (i) verifying that the address matched the mortgage note, (ii) noting whether the property zip code was declared a FEMA disaster area classified as IA (Individual Assistance) or IH (Individual and Household Assistance) 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.

If more than one valuation was provided, Recovco will confirm consistency among the valuation products and if there are discrepancies that could not be resolved, Recovco will create an exception and work 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 Recovco's review result in a variance of more than 10% then the client will be notified of such variance. If CU Score of 2.5 or less was allowed, then nothing further was required.

For each Mortgage Loan, Recovco will perform Property Valuation Review Services as indicated in the terms below:

&nbsp;&nbsp;&nbsp;&nbsp;1. **100% of the Loans:** Recovco will review the origination appraisal for the following items: (i) the age of the appraisal, (ii) verification
of the property address, (iii) completeness and accuracy of the appraisal form, (iv) verification of the appraiser licensing, (v) the
comparable sales analysis including age, distance, and adjustments, (vi) zoning concerns, (vii) appraisal was performed using approved
forms, and (viii) made on an "as is" basis.

&nbsp;&nbsp;&nbsp;&nbsp;2. **Additional valuation:** Recovco will review the additional valuation provided from origination or ordered upon request: (i) the age of the valuation,
(ii) verification of the property address, (iii) completeness and accuracy of the valuation form, (iv) the comparable sales analysis including
age, distance, and adjustments, (v) zoning concerns, and (vi) made on an "as is" basis.

Page **15** of **19**

**NRSRO GRADING CRITERIA:**

Upon completion of the loan file review, Recovco assigned grading which considered factors based on the review criteria, product, and NRSRO requirements.

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the following:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**CREDIT EVENT GRADE** | &nbsp;&nbsp;**CREDIT EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;The loan meets the published guidelines without exception or waiver. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. QM designation status has been confirmed. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The loan does not meet every applicable requirement of the underwriting guidelines; however, the majority of requirements are met, and strong compensating factors have been document in support of guideline exceptions. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet every applicable requirement of the underwriting guidelines due to limited, weak or no compensating factors to support the exception. Status of occupancy, employment, income and asset were not remedied or were remediated post-closing. Fully supported. Fraud was identified and/or credit document defects were not remedies or were remediated post-closing. Lender/aggregator QC designation was not confirmed. The loan file was not provided for review or not sufficiently document in order to complete the review. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** | &nbsp;&nbsp;**REGULATORY COMPLIANCE EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;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. The loan has met ATR standards as documented by the originator and if applicable has been verified as a qualified mortgage. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;Identified exceptions have been determined to be non-material and will not impact the enforceability of the loan and/or remediation of material defects has taken place and the remediated exception will not impact the ability to foreclose. All cures are fully and appropriately documented. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The loan does not meet every ATR standards, is missing required disclosures or contains inaccurate disclosures which have not been/cannot be remediated and/or a benefit to the borrower cannot be determined. The agreed upon loan terms do not align to legal documents and/or legal documents were not appropriately executed. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The loan file was not provided for review or not sufficiently document in order to complete the review. |

---

Page **16** of **19**

---

| | |
|:---|:---|
| &nbsp;&nbsp;**VALUATION EVENT GRADE** | &nbsp;&nbsp;**VALUATION EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Value is supported and within 10.00% of the original appraised value, the property is 100% complete and property and valuation meet the required underwriting guidelines. |
| &nbsp;&nbsp;**B** | &nbsp;&nbsp;The property is complete but may require minor repairs that do not affect the habituality, marketability or value or allowable incomplete repairs are supplemented with a builder holdback agreement as required by underwriting guidelines. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;Value is not supported within 10.00% of the original appraised value, the subject property constructions is not complete and/or appraisal was not on an as-is basis and final inspection is not documented. The appraisal was not conducted on an approved form and/or appraiser was not appropriately licensed. |
| &nbsp;&nbsp;**D** | &nbsp;&nbsp;The file was missing the appraisal or there was insufficient valuation documentation to perform a review. |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**OVERALL EVENT GRADE** | &nbsp;&nbsp;**OVERALL EVENT GRADE** |
| &nbsp;&nbsp;**A** | &nbsp;&nbsp;Loan meets Credit, Compliance, and Valuation guidelines and has sufficient accuracy and completeness of data to conduct a thorough review. |
| &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 are supported and substantially meet 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 an adequate review. |

---

Page **17** of **19**

**FINDINGS SUMMARY:**

---

| | |
|:---|:---|
| &nbsp;&nbsp; <br> **OVERALL REVIEW RESULTS** | &nbsp;&nbsp; <br> **OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;B | &nbsp;&nbsp; 15 |
| &nbsp;&nbsp;C | &nbsp;&nbsp; 0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp; 0 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;B | &nbsp;&nbsp; 13 |
| &nbsp;&nbsp;C | &nbsp;&nbsp; 0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp; 0 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**REGULATORY COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;67 |
| &nbsp;&nbsp;B | &nbsp;&nbsp; 2 |
| &nbsp;&nbsp;C | &nbsp;&nbsp; 0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp; 0 |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**VALUATION REVIEW RESULTS** | &nbsp;&nbsp;**VALUATION REVIEW RESULTS** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;66 |
| &nbsp;&nbsp;B | &nbsp;&nbsp; 3 |
| &nbsp;&nbsp;C | &nbsp;&nbsp; 0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp; 0 |

---

Page **18** of **19**

**DATA INTEGRITY REVIEW RESULTS SUMMARY TABLE:**

For the 69 mortgage loans included within the Data Integrity population below list the results of the discrepancies

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field** | &nbsp;&nbsp;**Loan Count** |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Lender Doc Type | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Occupancy at Origination (Property Usage Type) | &nbsp;&nbsp;16 |
| &nbsp;&nbsp;Original CLTV Ratio Percent | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Standard LTV (OLTV) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;9 |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;15 |

---

Page **19** of **19**

## Exhibit 99.22

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.22**

---

| |
|:---|
| **Rating Agency Grading** |
| **Run Date - 2/6/2023** |

---

---

| | | |
|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Recovco Loan ID** | **Loan #1** | **Original Loan Amount** |
| NXD3YTVNONG | 2023020124 | XXX A |
| YHBZ5CWDGIT | 2023020125 | XXX A D |
| ONAND2EBNFS | 2023020129 | XXX A |
| JAVNGJVPTE1 | 2023020130 | XXX D A |
| 2EMY1MVFLIR | 2023020126 | XXX A |
| FMRNTMWVUTW | 2023020131 | XXX A |
| L5EXRPMTFO0 | 2023020132 | XXX A |
| NR2GFYPYKBD | 2023020133 | XXX A |
| NGEB15H4C01 | 2023020127 | XXX A |
| NP5JB5BVH3X | 2023020790 | XXX A |
| WSZU104P4WQ | 2023020791 | XXX A |
| HUCEQIEOLVX | 2023020792 | XXX A |
| UTS4NBJ5VXY | 2023020793 | XXX A |
| KR3JOJSZARU | 2023020794 | XXX A |
| 3WWDYBZUJBI | 2023020795 | XXX B A |
| 3GJJXM20BZH | 2023020796 | XXX A D |
| 0BH1ZFVIUCL | 2023020797 | XXX A B D |
| OF4RETQJPXF | 2023020798 | XXX A |
| D0OM2RJSL4R | 2023020799 | XXX A |
| E1BV415OYGU | 2023020800 | XXX A D |
| FMKDJUAFTQI | 2023020801 | XXX D A B |
| T3PIOQNVGRP | 2023020802 | XXX A |
| 3Q52G2QUEXK | 2023020803 | XXX A D |
| VSLWMIQQ1JB | 2023020804 | XXX A D B |
| N2DMLA5VLWN | 2023020805 | XXX A D |
| LRLTNLMLLIX | 2023020806 | XXX A |
| 5RPYS4YFBAE | 2023020807 | XXX A |
| 0LMO5J5KCF2 | 2023020808 | XXX A |
| AXTYVHUSWHN | 2023020809 | XXX A |
| 11ELQF4GN00 | 2023020810 | XXX D A B |
| OLNC4ALRWZ0 | 2023020811 | XXX A |
| CW2DS0FXGDF | 2023020812 | XXX D A |
| SAWDFJZZCQH | 2023020813 | XXX A |
| V2MLP2GQ0EZ | 2023020814 | XXX A |
| 3EDFWWPHEOU | 2023020815 | XXX A |
| **5WK3V2FW5CY** | **2023020816** | XXX **A** **A** **A** **A** **A** **D** **D** **D** **D** **D** **D** **D** **D** **D** **D** **D** **D** **D** **D** **D** **A** **A** **A** **A** **A** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** |
| LAOWVWG1TIE | 2023020817 | XXX A |
| GKR1WCDJHBT | 2023020818 | XXX D A |
| VS1D3AU52UL | 2023020819 | XXX A |
| QKQ5PDKXIO0 | 2023020820 | XXX D A |
| V3RSCLJDMWB | 2023020821 | XXX D A B |
| CNY2EGEBER0 | 2023020822 | XXX D A B |
| T2MRVS01VQA | 2023020823 | XXX A |
| 0TWDOI2G02Z | 2023020824 | XXX D A B |
| SMUNOVLL22C | 2023020825 | XXX D A |
| IVGHOF4TAST | 2023020826 | XXX D A |
| NGWLUGCD3UY | 2023020827 | XXX B A D |
| DNLSXGGOMIU | 2023020828 | XXX A |
| LELODNBN4AS | 2023020829 | XXX D A B |
| N0W0LUNTBTF | 2023020830 | XXX D A |
| ZMYQ4KFW002 | 2023020831 | XXX D A |
| 4BFQTU31WMN | 2023020839 | XXX D A B |
| FZN04AYP54K | 2023020832 | XXX D A B |
| A5FJ1A0N34X | 2023020833 | XXX A |
| 1WUPZR3RTSB | 2023020834 | XXX A |
| P1H3W1Y1SNX | 2023020840 | XXX A B |
| ZRC1DVITOR3 | 2023020835 | XXX A |
| 4URS05TX4JC | 2023020836 | XXX D A |
| **T2W00EW0EN3** | **2023020837** | XXX **D** **D** **D** **D** **D** **D** **D** **D** **D** **D** **A** **A** **A** **A** **A** **D** **D** **D** **D** **D** **B** **B** **B** **B** **B** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **B** **B** **B** **B** **B** |
| V0IHY1HWJUG | 2023020838 | XXX D A |
| AC2QUEUA2KD | 2023020841 | XXX D A B |
| **V4RIOG5E5BF** | **2023020842** | XXX **A** **A** **A** **A** **A** **D** **D** **D** **D** **D** **A** **A** **A** **A** **A** **D** **D** **D** **D** **D** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** **A** |
| UNDQJ0V43OC | 2023020845 | XXX A |
| NINK5BAX5TY | 2023020846 | XXX A |
| T0QFQWC00VO | 2023020847 | XXX A D |
| SESOHW1KEC3 | 2023020843 | XXX A |
| 3J4CS3P4IVC | 2023020844 | XXX A |
| IZZ4JOG14AD | 2023020848 | XXX A |
| **SQQNZ5LO3SR** | **2023020128** | XXX **A** **A** **A** **A** **A** **D** **D** **D** **D** **D** **B** **B** **B** **B** **B** **D** **D** **D** **D** **D** **A** **A** **A** **A** **A** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** **B** |

---

## Exhibit 99.23

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.23**

---

| |
|:---|
| **Exception Level** |
| **Run Date - XXX** |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan # 1** | **Exception Category** | **Exception Sub-Category** | **Exception Status** | **Exception Grade** | **Loan Exception ID** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Seller Comments** | **Reviewer Comments** | **Exception Remediation** |
| 2023020125 | Valuation | ValuationWaterfall | Resolved | Resolved | YHBZ5CWDGIT-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support the appraisal value within 10% variance. |  | XXX Lender provided XXXAVM within 10% tolerance and Confidence score 90+ | XXX Finding Resolved. | XXX Finding Resolved. |
| 2023020130 | Credit | Credit | Resolved | Resolved | JAVNGJVPTE1-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The 1003 p.133 shows this property is sold. Page 587 is a 24-month payment history for this property's mortgage with XXX with the last payment date of 1XXX. The payment history also shows a zero-balance remaining on 1XXX. The loan file is missing the CD for the sale of XXX, CO to show this property is sold and not just refinanced. |  |  | XXX: Resolved. The Sellers Settlement Statement (XXX Title Company) was provided showing property XXX Avenue sold to borrower XXX closed date XXX. | XXX: Resolved. The Sellers Settlement Statement (XXX Title Company) was provided showing property XXX Avenue sold to borrower XXX closed date XXX. |
| 2023020130 | Credit | Doc Issue | Resolved | Resolved | JAVNGJVPTE1-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The loan file is missing the title supplement or final title policy verifying the title policy amount is sufficient for the loan amount. The preliminary title p.1028 does not reflect a policy amount. The Note p.110 reflect a loan amount of XXXhe closing instructions do not specify the insured amount of coverage. |  |  | XXX: Resolved. Received title for XXX | XXX: Resolved. Received title for XXX |
| 2023020130 | Compliance | Compliance | Resolved | Resolved | JAVNGJVPTE1-WK32G0ON | TRID - 10% tolerance violation | \* TRID - 10% tolerance violation (Lvl R) | The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increasXXXdition to the following fee(s) was not accepted because a valid reason was not provided: Title - Settlement Fee XXX. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label). |  | XXX Received LOE and PCCD datedXXX. | XXX Remains. The ReviseXXXnal CD XXX was received along with an explanation and screenshot of the cure of XXX. Although a cure was provided to cure the violation, the finding remains because the corrected PCCD is missing. The cure was before the PCCD dated XXX was issued. Updated PCCD needed. The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increasXXXdition to the following fee(s) was not accepted because a valid reason was not provided: Title - Settlement Fee XXX. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXX Remains. Received the updated PCCD datedXXX which has been added for testing. The PCCD shows a refund amount for XXX. However all documents were not provided and still needing the; LOE to consumer(s), copy of the refund, and proof of delivery (mailing label). Finding remains. The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increasXXXdition to the following fee(s) was not accepted because a valid reason was not provided: Title - Settlement Fee XXX. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>0XXX Cleared. Received LOE and PCCD datedXXX. Based on the LOE statement provided "Closer provided a breakdown prior that a refund was provided to the borrower. The final CD has the cure. An updated PCCD was uploaded dated XXX. The closer also has a funding sheet proof that cure was given." The final CD dated XXX shows the refund, the combined ALTA statement shows the cure was given, as well as the updated PCCD datedXXX. This is sufficient to clear the finding. | XXX Remains. The ReviseXXXnal CD XXX was received along with an explanation and screenshot of the cure of XXX. Although a cure was provided to cure the violation, the finding remains because the corrected PCCD is missing. The cure was before the PCCD dated XXX was issued. Updated PCCD needed. The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increasXXXdition to the following fee(s) was not accepted because a valid reason was not provided: Title - Settlement Fee XXX. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXX Remains. Received the updated PCCD datedXXX which has been added for testing. The PCCD shows a refund amount for XXX. However all documents were not provided and still needing the; LOE to consumer(s), copy of the refund, and proof of delivery (mailing label). Finding remains. The loan failed the charges that in total cannot increase more than 10% test (12 CFR §1026.19(e)(3)(ii)). The increasXXXdition to the following fee(s) was not accepted because a valid reason was not provided: Title - Settlement Fee XXX. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the increase. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, copy of the refund, and proof of delivery (mailing label).<br>0XXX Cleared. Received LOE and PCCD datedXXX. Based on the LOE statement provided "Closer provided a breakdown prior that a refund was provided to the borrower. The final CD has the cure. An updated PCCD was uploaded dated XXX. The closer also has a funding sheet proof that cure was given." The final CD dated XXX shows the refund, the combined ALTA statement shows the cure was given, as well as the updated PCCD datedXXX. This is sufficient to clear the finding. |
| 2023020130 | Compliance | Compliance | Resolved | Resolved | JAVNGJVPTE1-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee of XXX. Also, the addition of the Transfer Fee for XXX on XXX was not accepted because a valid change of circumstance was not provided A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | XXX Received LOE and PCCD datedXXX. | XXX Remains. The ReviseXXXnal CD XXX was received along with an explanation and screenshot of the cure of XXX. Although a cure was provided to cure the violation, the finding remains because the corrected PCCD is missing. The cure was before the PCCD dated XXX was issued. Updated PCCD needed. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee of XXX. Also, the addition of the Transfer Fee for XXX on XXX was not accepted because a valid change of circumstance was not provided A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXX Remains. Received the updated PCCD datedXXX which has been added for testing. The PCCD shows a refund amount for XXX. However all documents were not provided and still needing the; LOE to consumer(s), copy of the refund, and proof of delivery (mailing label). Finding remains. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee of XXX. Also, the addition of the Transfer Fee for XXX on XXX was not accepted because a valid change of circumstance was not provided A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>0XXX Cleared. Received LOE and PCCD datedXXX. Based on the LOE statement provided "Closer provided a breakdown prior that a refund was provided to the borrower. The final CD has the cure. An updated PCCD was uploaded dated XXX. The closer also has a funding sheet proof that cure was given." The final CD dated XXX shows the refund, the combined ALTA statement shows the cure was given, as well as the updated PCCD datedXXX. This is sufficient to clear the finding. | XXX Remains. The ReviseXXXnal CD XXX was received along with an explanation and screenshot of the cure of XXX. Although a cure was provided to cure the violation, the finding remains because the corrected PCCD is missing. The cure was before the PCCD dated XXX was issued. Updated PCCD needed. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee of XXX. Also, the addition of the Transfer Fee for XXX on XXX was not accepted because a valid change of circumstance was not provided A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXX Remains. Received the updated PCCD datedXXX which has been added for testing. The PCCD shows a refund amount for XXX. However all documents were not provided and still needing the; LOE to consumer(s), copy of the refund, and proof of delivery (mailing label). Finding remains. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the following fees on XXX was not accepted because a valid change of circumstance was not provided: Appraisal Fee of XXX. Also, the addition of the Transfer Fee for XXX on XXX was not accepted because a valid change of circumstance was not provided A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>0XXX Cleared. Received LOE and PCCD datedXXX. Based on the LOE statement provided "Closer provided a breakdown prior that a refund was provided to the borrower. The final CD has the cure. An updated PCCD was uploaded dated XXX. The closer also has a funding sheet proof that cure was given." The final CD dated XXX shows the refund, the combined ALTA statement shows the cure was given, as well as the updated PCCD datedXXX. This is sufficient to clear the finding. |
| 2023020130 | Credit | Income | Resolved | Resolved | JAVNGJVPTE1-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | The 1003 p.132 shows the borrower has been employed with the current employer, XXX for 7 months and was employed with the prior employer, XXX Realty for over 3 years. The loan file is missing verification of the employment dates for each employer. |  |  | XXX: Resolved. VVOE has been provided from both employers XXX dated XXX and XXX dated XXX. | XXX: Resolved. VVOE has been provided from both employers XXX dated XXX and XXX dated XXX. |
| 2023020130 | Compliance | Compliance | Resolved | Resolved | JAVNGJVPTE1-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl W) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued onXXX was provided more than 60 calendar days after the consummation date, XXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  | XXX Recevied final CD at consumation reflecting refund. | This loan failed the post-consummation revised closing disclosure delivery date test. The PCCD issued onXXX was provided more than 60 calendar days after the consummation date, XXX.The PCCD was provided to correct the following item(s): adding back refund that had been removed by mistake on previous PCCD. Per TRID regulation, corrected disclosures must be issued no later than 60 days after consummation. Defect has no cure. Grade is EV2 (B). | XXX Resolved. Lender provided the final CD presented at closing that reflected the necesarry refund disclosure, Issue resolved.  |
| 2023020127 | Compliance | Compliance | Resolved | Resolved | NGEB15H4C01-AJUUGN04 | Compliance Ease TRID Tolerance Test Failed | \* Compliance Ease TRID Tolerance Test Failed (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal Fee on XXX was not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or by providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | Allowable COC explanation was received. | XXX\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. | XXX\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. |
| 2023020791 | Credit | Doc Issue | Resolved | Resolved | WSZU104P4WQ-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The Title Commitment in file is for XXX, the Final Title Policy should reflect the loan amount of XXX. |  |  | XXX: Cleared. <br> Documents requested received. | XXX: Cleared. <br> Documents requested received. |
| 2023020795 | Compliance | Compliance | Resolved | Resolved | 3WWDYBZUJBI-7SBDYUPN | Evidence of Appraisal delivery | \* Evidence of Appraisal delivery (Lvl R) | The file is missing evidence that shows a copy of the appraisal report was provided to the consumer at least 3 business days prior to the consummation date,XXX. If the consumer waived its rights, evidence that report was provided at or prior to consummation is required. |  | Evidence of Appraisal Report received | XXX\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. | XXX\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. |
| 2023020795 | Credit | Guidelines | Waived | Waived | 3WWDYBZUJBI-6AYWZTAE | Loan does not conform to program guidelines | \* Loan does not conform to program guidelines (Lvl W) | Guidelines do not allow subordinate financing. Subordination agreement is in file for a XXX HELOC with a balance of XXX and high credit limit of $XXX. Lender approved the exception (page 734). | XXX |  | Lender accepted the exception with the following comp factors : Low LTVXXXLTV The LTV is 65% and HCLTV is 73.562%. <br> High Credit Score of 740. | Lender accepted the exception with the following comp factors : Low LTVXXXLTV The LTV is 65% and HCLTV is 73.562%. <br> High Credit Score of 740. |
| 2023020796 | Compliance | Compliance | Resolved | Resolved | 3GJJXM20BZH-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issuedXXX signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date,XXX. If disclosure was delivered electronically, the E-consent is required as well. |  |  | XXX\*\*\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. | XXX\*\*\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. |
| 2023020796 | Valuation | ValuationWaterfall | Resolved | Resolved | 3GJJXM20BZH-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing updated valuation to support original appraised value within 10% variance. |  |  | AVM received with a 90.7 confidence score. | AVM received with a 90.7 confidence score. |
| 2023020796 | Compliance | Compliance | Resolved | Resolved | 3GJJXM20BZH-FR16UVJK | QM Points and Fees | \* QM Points and Fees (Lvl R) | This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3)). The loan amount is XXX or more, and the transaction's total points and fees is XXX, which exceeds 3 percent of the total loan amount of XXX. The following fees were included in the calculation: Mortgage Broker Fee XXX and Underwriting Fee XXX. |  | From the lender: <br> Per our Compliance Dept.:<br> This is a non-QM loan and not an Agency loan. Also, XXX does not have its own high-cost limitations anymore. | XXXleared. This is a nonQM project. | XXXleared. This is a nonQM project. |
| 2023020796 | Valuation | Doc Issue | Resolved | Resolved | 3GJJXM20BZH-SWGGJEY3 | Missing flood cert | \* Missing flood cert (Lvl R) | The loan file does not contain a flood certification notice. |  |  | XXX: Cleared. Flood cert received. | XXX: Cleared. Flood cert received. |
| 2023020797 | Credit | Credit | Resolved | Resolved | 0BH1ZFVIUCL-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The file is missing the documentation to verify the taxes and insurance for XXX and the taxes for XXX. |  |  | XXX: Cleared. The property at XXX is owned by business not by the borrower so nothing additional is needed. | XXX: Cleared. The property at XXX is owned by business not by the borrower so nothing additional is needed. |
| 2023020797 | Valuation | ValuationWaterfall | Resolved | Resolved | 0BH1ZFVIUCL-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | The loan file did not contain a second source of valuation for the value, via AVM, Desk Review or additional appraisal. |  | XXX Lender provided XXXDesk Review with 0% variance | XXX Finding Resolved | XXX Finding Resolved |
| 2023020797 | Credit | Title Issue | Waived | Waived | 0BH1ZFVIUCL-12W30VUO | Title holder is not an individual | \* Title holder is not an individual (Lvl W) | The title report and Note reflect the property is vested in XXX. The guideline XXX Portfolio Programs datedXXX reflects ineligible borrowers as Corporations, Limited or General partnerships. An exception was provided dated 1XXX; however no compensating factors were listed. Compensating factors were available. High Fico with a mid score of XXX, residual income over XXX monthly, XXX in reserves (25 mos piti) | XXX |  | XXX Lender provided exception for the title report and Note reflecting the property is vested in XXX | XXX Lender provided exception for the title report and Note reflecting the property is vested in XXX |
| 2023020800 | Valuation | ValuationWaterfall | Resolved | Resolved | E1BV415OYGU-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Appraisal value of XXX not supported. CU score of 4.0; AVM in file shows a value of XXX for a variance of -11.279%. |  | Updated AVM Provided | XXX Client provided AVM with value of XXXssue cleared | Updated AVM provided. Issue Cleared |
| 2023020800 | Valuation | ValuationWaterfall | Resolved | Resolved | E1BV415OYGU-YKLJFS14 | Orig.value not supported by Post- Close AVM | \* Post-closing AVM does not support value at origination (Lvl 3) | Appraisal value of XXX not supported. CU score of 4.0; AVM in file shows a value of XXX for a variance of -11.279%. |  |  | XXX Client provided AVM with value of XXXssue cleared | Updated AVM provided. Issue Cleared |
| 2023020801 | Credit | Credit | Resolved | Resolved | FMKDJUAFTQI-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | Property located at XXX Condo C-12 - mission verification of HOA fees.<br> Property located at XXX - missing verification of taxes. |  | XXX- Lender provided required documentation | XXX documentation provided. Issue cleared. | XXX documentation provided. Issue cleared. |
| 2023020801 | Credit | Eligibility | Waived | Waived | FMKDJUAFTQI-AOA4RHKS | Property Type does not meet elig. requirement(s) | \* Property Type does not meet eligibility requirement(s) (Lvl W) | Condo HOA delinquency rate XXX% - max 15% per lender condo requirements.<br>12.2.2021 Lender Responded: The delinquency rate for this property is XXX%. It appears that the reviewer added the number of owners that are 30 days delinquent to the number of owners that are 60 days delinquent. The owners that are 60 days delinquent were already counted in the delinquency rate when they went 30 days delinquent and should not be counted again now that they are 60 days delinquent. Please review and advise.<br>12.20.2021 Recovco Response: Please provide XXXapproved exception with compensating factors in order to downgrade to EV2.<br>3.15.2022 Lender provided XXXapproved exception. Adjusted to Non-material EV2 | XXX | XXX Lender Responded: The delinquency rate for this property is XXX%. It appears that the reviewer added the number of owners that are 30 days delinquent to the number of owners that are 60 days delinquent. The owners that are 60 days delinquent were already counted in the delinquency rate when they went 30 days delinquent and should not be counted again now that they are 60 days delinquent. Please review and advise. | XXX Lender provided an approved exception for the HOA delinquency rate. Adjusted to Non-material EV2. | XXX Lender provided an approved exception for the HOA delinquency rate. Adjusted to Non-material EV2. |
| 2023020804 | Compliance | Compliance | Resolved | Resolved | VSLWMIQQ1JB-GWM0NAOS | Compliance Ease TRID Tolerance Test Failed #2 | \* Compliance Ease TRID Tolerance Test Failed XXXvl R) | The loan filed the Charges that Cannot Increase and the Charges that Cannot Increase more than 10%. Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. The violation may be cured if documentation is provided showing disclosures delivered timely. |  | XXXnitial LE provided. | 1XXXleared. Initial LE provided. | 1XXXleared. Initial LE provided. |
| 2023020804 | Valuation | ValuationWaterfall | Resolved | Resolved | VSLWMIQQ1JB-6MO09A10 | Orig.value not supported by Pre- Close AVM | \* Pre-closing AVM does not support value at origination (Lvl R) | AVM provided has -12.207% Variance. No other valuation products in file. CU is XXXand XXX999<br>3.10.2022 Adjusted to EV 3 |  |  | XXX Exception resolved. | XXX Exception resolved. |
| 2023020804 | Valuation | ValuationWaterfall | Resolved | Resolved | VSLWMIQQ1JB-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support Appraisal within 10% variance. AVM in file has -12.207% Variance. |  | XXX Lender provided XXXDesk Review with 0% variance | XXX Finding Resolved. | XXX Finding Resolved. |
| 2023020804 | Compliance | Compliance | Resolved | Resolved | VSLWMIQQ1JB-AJUUGN04 | Compliance Ease TRID Tolerance Test Failed | \* Compliance Ease TRID Tolerance Test Failed (Lvl R) | The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued onXXXas not disclosed within 3 days of the application date,XXXIf a Loan Estimate was given within 3 days of the application, the defect can be resolved by providing such disclosure. |  | XXXnitial LE provided. | 1XXXleared. Initial LE provided. | 1XXXleared. Initial LE provided. |
| 2023020805 | Valuation | ValuationWaterfall | Resolved | Resolved | N2DMLA5VLWN-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support the initial appraisal within 10% variance |  | XXX Lender provided XXXAVM with 15% variance but confidence score of 88.60% | XXX Finding Remains; AVM Confidence score below minimum 90 | XXX Finding Remains; AVM Confidence score below minimum 90 |
| 2023020805 | Valuation | Doc Issue | Resolved | Resolved | N2DMLA5VLWN-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Missing Third Party Valuation Product to support the appraisal value within 10% variance. No CU or LCA Risk score documented in the file. |  | Post closing AVM provided to support value. | XXX: Resolved. Post closing AVM provided to support the value. | XXX: Resolved. Post closing AVM provided to support the value. |
| 2023020805 | Valuation | VW | Resolved | Resolved | N2DMLA5VLWN-53Y30LLI | AVM Confidence Score does not meet FITCH requirement | \* Value Not Supported: AVM Confidence Score does not meet FITCH requirement (Lvl 3) | Confidence score of 89 does not meet Fitch requirements. |  | XXX XXXrating threshold for AVM PP10 90% is .13 or below. Subject is .114 Issue resolved.XXX Confidence score of 89 does not meet Fitch requirements. Need Desk Review. | XXX Exception Resolved: XXXrating threshold for AVM PP10 90% is .13 or below. Subject is .114 Issue resolved.XXX Exception remains. Confidence score of 89 does not meet Fitch requirements. Need Desk Review. | XXX XXXrating threshold for AVM PP10 90% is .13 or below. Subject is .114 Issue resolved.XXX Exception remains. Confidence score of 89 does not meet Fitch requirements. Need Desk Review. |
| 2023020808 | Credit | Doc Issue | Resolved | Resolved | 0LMO5J5KCF2-BAXAUT3E | Amount of title insurance is less than mortgage am | \* Amount of title insurance is less than mortgage amount (Lvl R) | The title report reflects the insured amount as XXX but the Note rate is XXX. |  |  | XXX: Exception satisfied, evidence of adequate coverage provided | XXX: Exception satisfied, evidence of adequate coverage provided |
| 2023020808 | Compliance | Compliance | Resolved | Resolved | 0LMO5J5KCF2-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)). The initial CD is missing from the loan file. The only CD provided was issuedXXXnd signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date,XXXIf disclosure was delivered electronically, the E-consent is required as well. |  | CD issued XXX was received | XXX\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. | XXX\* Cleared \*\*\*The documentation provided is sufficient to resolve the finding. |
| 2023020809 | Compliance | Compliance | Resolved | Resolved | AXTYVHUSWHN-DADZZYZO | Missing evidence of TRID Disclosure Delivery | \* Missing evidence of TRID Disclosure Delivery (Lvl R) | A revised disclosure was not provided to the consumer within 3 business days of the rate lock date,XXXPer regulation, when there is a rate lock, the creditor must provide a revised disclosure within three business days. |  | Revised LE was received | XXXleared. The documentation provided is sufficient to resolve the finding. | XXXleared. The documentation provided is sufficient to resolve the finding. |
| 2023020809 | Credit | Credit | Resolved | Resolved | AXTYVHUSWHN-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | the file is missing a full 12 months bank statements to calculate income. The XXX statement endingXXX is missing. |  |  | XXX: Cleared. Received XXX21 bank statement as requested. | XXX: Cleared. Received XXX21 bank statement as requested. |
| 2023020809 | Compliance | Compliance | Resolved | Resolved | AXTYVHUSWHN-MJ8JCGR2 | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial anXXX any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. The defect can be cured by providing the initial and any revised Loan Estimates that were issued to the consumer. |  | Loan Estimates were received | XXXleared. The documentation provided is sufficient to resolve the finding. | XXXleared. The documentation provided is sufficient to resolve the finding. |
| 2023020809 | Credit | Credit | Resolved | Resolved | AXTYVHUSWHN-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The file is missing the CD from the purchase of XXX to confirm the monthly PITI and to confirm the borrower had sufficient required reserves. |  |  | XXX: Cleared. The CD was received showing piti. | XXX: Cleared. The CD was received showing piti. |
| 2023020810 | Valuation | Doc Issue | Resolved | Resolved | 11ELQF4GN00-OR5FH5OU | Appraisal incomplete (missing map, layout, pages, | \* Appraisal incomplete (missing map, layout, pages, etc) (Lvl R) | Missing Third Party Valuation Product to support the appraisal value within 10% variance. No CU Risk or LCA Risk score documented in the file. |  | XXX Pre fund AVM supports value. | XXX Exception resolved. | XXX Exception resolved. |
| 2023020810 | Valuation | ValuationWaterfall | Resolved | Resolved | 11ELQF4GN00-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation to support appraisal within 10% variance |  | XXX Pre fund AVM supports value. | XXX Exception resolved. | XXX Exception resolved. |
| 2023020810 | Valuation | VW | Resolved | Resolved | 11ELQF4GN00-53Y30LLI | AVM Confidence Score does not meet FITCH requirement | \* Value Not Supported: AVM Confidence Score does not meet FITCH requirement (Lvl R) |  |  |  | XXX Exception resolved. | XXX Exception resolved. |
| 2023020810 | Credit | Credit | Waived | Waived | 11ELQF4GN00-DSRS151W | DSCR Is Not Eligible | \* DSCR Is Not Eligible (Lvl W) | DSCR score is 0.979, a minimum score of 1.0 is required. | XXX | From Appraisal current rent $2700XXXITIA $1981.85 (On first payment letter)= 1.3 | XXX: Cleared, downgraded to a 2 due to the approved exception. Compensating factors noted are reserves 2 times the required amount and LTV of 75%.<br>XXX: Not Cleared. The guidelines require the DSCR to be calculated using Market Rents from Appraisal, or leases with proof of 3 months rents received. The appraisal reflected market rent of $XXX. The file did not include evidence of 3 months of rent receipt of $XXX and $XXX. | XXX: Cleared, downgraded to a 2 due to the approved exception. Compensating factors noted are reserves 2 times the required amount and LTV of 75%.<br>XXX: Not Cleared. The guidelines require the DSCR to be calculated using Market Rents from Appraisal, or leases with proof of 3 months rents received. The appraisal reflected market rent of $1938. The file did not include evidence of 3 months of rent receipt of $1400 and $1300. |
| 2023020812 | Credit | Credit | Resolved | Resolved | CW2DS0FXGDF-DSRS151W | DSCR Is Not Eligible | \* DSCR Is Not Eligible (Lvl R) | XXX Condition Cleared. Meets guidelines. <br> 1XXX Lender response: Per the XXX matrix, we were allowed to go below 1.0 with (max 75% LTV and min 700 credit score). The lock also includes the .25% bump for DSCR < 1.0<br>DSCR score of XXX, minimum DSCR score required is 1.0. | XXX |  | XXX Condition Cleared: meets XXX matrix, allowed to go below 1.0 with (max 75% LTV and min 700 credit score). The lock also includes the .25% bump for DSCR < 1 | XXX Condition Cleared: meets XXX matrix, allowed to go below 1.0 with (max 75% LTV and min 700 credit score). The lock also includes the .25% bump for DSCR < 1 |
| 2023020816 | Compliance | Compliance | Resolved | Resolved | 5WK3V2FW5CY-UIP82IFC | TRID - Zero tolerance violation | \* TRID - Zero tolerance violation (Lvl R) | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase to the Appraisal Fee on XXXas not accepted because a valid change of circumstance was not provided. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label). |  | XXX Received LOE, copy of refund check for XXX, mailing label, and updated PCCD. | XXXemains. The documentation provided is not sufficient to cure the violation. The COC provided states "appraised value is different than estimated value". Per regulation, miscalculations and underestimations are not valid reasons. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXX Cleared. Received LOE, copy of refund check for XXX, mailing label, and updated PCCD. This is sufficient to clear the finding. | XXXemains. The documentation provided is not sufficient to cure the violation. The COC provided states "appraised value is different than estimated value". Per regulation, miscalculations and underestimations are not valid reasons. A cost to cure in the amount of XXX is required. The defect can be cured by reimbursing the consumer or providing a valid reason for the change. If curing the violation with a refund, the following documents are required: LOE to consumer(s), corrected PCCD, copy of the refund, and proof of delivery (mailing label).<br>XXX Cleared. Received LOE, copy of refund check for XXX, mailing label, and updated PCCD. This is sufficient to clear the finding. |
| 2023020816 | Valuation | Value | Active | 2: Acceptable with Warnings | 5WK3V2FW5CY-BRMDUXYB | Value used by lender not supported | \* Value used by lender not supported (Lvl 2) | Loan is covered through R&W<br> Resolved though R&W: Received Pre-Close AVM with value supported, however Confidence Score of 79 does not meet Fitch requirement of 90 or greater. Additional third party valuation product required. |  |  |  |  |
| 2023020816 | Compliance | Compliance | Active | 2: Acceptable with Warnings | 5WK3V2FW5CY-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued onXXX was provided more than 60 calendar days after the consummation date, XXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  |
| 2023020818 | Credit | Credit | Resolved | Resolved | GKR1WCDJHBT-MSWDDK7Q | Income Worksheet | \* Income Worksheet (Lvl R) | The loan file is missing the lender income worksheet. The Guidelines Section 6.21.5 states the underwriter must prepare a written evaluation of the analysis of a self-employed borrower's personal income and a copy of the written analysis must be included in the loan file. |  |  | XXX: Resolved. Received the lender income worksheet of the analysis of a self-employed borrower's personal income | XXX: Resolved. Received the lender income worksheet of the analysis of a self-employed borrower's personal income |
| 2023020819 | Valuation | ValuationWaterfall | Resolved | Resolved | VS1D3AU52UL-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support the appraisal value within 10% variance. |  | XXX Post fund Desk Review supports value. | XXX Exception resolved. | XXX Exception resolved. |
| 2023020820 | Credit | Credit | Resolved | Resolved | QKQ5PDKXIO0-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | Per both appraisals, the owner of public record is XXX; however, per the title, a Quitclaim Deed was executed and recorded 1XXX from the business to the borrower and his spouse. The loan file does not contain a copy of the Quitclaim Deed and both appraisals should be corrected to match the correct owner. |  |  | XXX: Partially Cleared. Received property report forXXX showing the borrowers are the OOR and Quit Claim Deed recorded 1XXX listing ICAP as the seller. Still need the OOR corrected on both appraisals which seller notes as being requested. <br>XXX: Resolved. Updated appraisals has been provided for propertyXXX XXX. verifying the Owner of Public Record shows the borrowers names XXX. | XXX: Partially Cleared. Received property report forXXX showing the borrowers are the OOR and Quit Claim Deed recorded 1XXX listing ICAP as the seller. Still need the OOR corrected on both appraisals which seller notes as being requested. <br>XXX: Resolved. Updated appraisals has been provided for propertyXXX XXX. verifying the Owner of Public Record shows the borrowers names XXX. |
| 2023020820 | Credit | Credit | Resolved | Resolved | QKQ5PDKXIO0-BGXHGJCO | Unable to verify PITI on other mortgage debt (ATR) | \* Unable to verify PITI on other mortgage related obligations (ATR) (Lvl R) | The loan file contains a cash out letter (p.287) stating the cash out is to payoff XXX and XXX and use additional funds to invest and make improvements; however, the subject is not a cash out refinance and was not secured by XXX and XXX. Per the application, the borrower does own a property located at XXX that is secured by a XXX and XXX mortgage. It appears there was also a refinance on this property and the loan file does not contain the final CD to verify the new PITIA on the property. Additionally, the credit report reflects the XXX loan opened XXX16 for XXX and XXX Home credit line opened 1XXX07 secured by XXX per the loan application; however, the fraud report (p.421) shows there was a mortgage obtained on this property on XXX in the amount of XXXhis does not reflect on the loan application or credit report. |  |  | XXX: Resolved. Received CD for XXX showing XXX and XXX were paid off. The new PITIA is $5889.56 and included in Audit DTI. The loan was a simultaneous close with the subject property which is why the cash out letter is in the loan file. | XXX: Resolved. Received CD for XXX showing XXX and XXX were paid off. The new PITIA is $5889.56 and included in Audit DTI. The loan was a simultaneous close with the subject property which is why the cash out letter is in the loan file. |
| 2023020821 | Credit | Credit | Resolved | Resolved | V3RSCLJDMWB-P293MAUY | Unable to verify all credit obligations (ATR) | \* Unable to verify all credit obligations (ATR) (Lvl R) | The loan application states the borrower is unmarried with no dependents; however, on the rent payment documentation letter (p.310) there are multiple times that it states, "rent payment was made from wives account". Additionally, it also states extra was sent from borrower to wives account to pay rent and cover sons tutoring. The loan file does not contain clarification of the borrowers marital status and dependent status. If he is unmarried, is there a divorce decree and verification that no child support would be required. |  |  | XXX: Resolved. Updated 1003 provided with an letter of explanation reporting the error. Dependent child within the marriage; however, no divorce (alimony) or child support obligation. | XXX: Resolved. Updated 1003 provided with an letter of explanation reporting the error. Dependent child within the marriage; however, no divorce (alimony) or child support obligation. |
| 2023020821 | Valuation | Value | Resolved | Resolved | V3RSCLJDMWB-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl R) | Per the Purchase and Sale Agreement (p.716) and title (p.781), the seller is XXX of XXX. And the appraisal (p.678) reflects the Current owner as XXXc. |  |  | XXX: Resolved. Received documentation XXX is wholly-owned subsidiary of Lennar. | XXX: Resolved. Received documentation XXX is wholly-owned subsidiary of XXX. |
| 2023020821 | Credit | Credit | Resolved | Resolved | V3RSCLJDMWB-PXITUQYJ | 1003 Application [information not provide] | \* 1003 Application [information not provide] (Lvl R) | The loan application states the borrower is a US Citizen; however, the loan file contains a valid US Permanent Resident Alien card for the borrower (p.418). |  |  | XXX: Resolved. Received the 1003 with US Permanent Resident Alien selected | XXX: Resolved. Received the 1003 with US Permanent Resident Alien selected |
| 2023020821 | Credit | Credit | Resolved | Resolved | V3RSCLJDMWB-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The fraud report (p.514) shows an SSN alert and SAM alert for the borrower. The loan file does not have evidence this was addressed with a SAM search and SSN validation. | XXX |  | XXX: Remains. Received letter from lender stating that the credit report cleared the alerts<br> XXX Resolved with documentation in file. Credit report and Identification support valid SSXXXncome is validated through bank statements, Secretary of State and CPA letter. | XXX: Remains. Received letter from lender stating that the credit report cleared the alerts<br> XXX Resolved with documentation in file. Credit report and Identification support valid SSXXXncome is validated through bank statements, Secretary of State and CPA letter. |
| 2023020821 | Credit | Credit | Resolved | Resolved | V3RSCLJDMWB-3V25W7T4 | Missing income documentation (ATR) | \* Missing income documentation (ATR) (Lvl R) | The loan file is missing the XXX XXX business bank statement endingXXX. It is reflected on the income worksheet with figures (p.614) and those figures were utilized by audit to complete the income calculations; however, the statement is needed to verify figures are correct. |  |  | XXX: Resolved. Received XXX XXX business bank statement endingXXX | XXX: Resolved. Received XXX XXX business bank statement endingXXX |
| 2023020821 | Credit | Credit Worthiness | Waived | Waived | V3RSCLJDMWB-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl W) | The loan file contains only 11 months proof rent payments (XXX21-1XXX21) and per lender guidelines verification of 0x30x12 is required. The loan file is missing verification of the 1XXX20 rent payment to complete the required 12 months. The file contains an approved exception for missing December 2020 rental payment (p.897) based on compensating factors. | XXX |  | XXX The file contains an approved exception for missing XXX rental payment (p.897) based on compensating factors | XXX The file contains an approved exception for missing XXX rental payment (p.897) based on compensating factors |
| 2023020821 | Credit | Eligibility | Waived | Waived | V3RSCLJDMWB-N4AIS65E | Original LTV does not meet elig. requirement(s) | \* Original LTV (OLTV) does not meet eligibility requirement(s) (Lvl W) | Per lender guidelines, the maximum LTV for a credit score of XXX is 85% and the subject loan closed with an LTV of XXX%. The loan file contains an approved exception allowing for an LTV of XXX% based on compensating factors. | XXX |  | The loan file contains an approved exception allowing for an LTV of 90% based on compensating factors. | The loan file contains an approved exception allowing for an LTV of 90% based on compensating factors. |
| 2023020822 | Credit | Credit Worthiness | Waived | Waived | CNY2EGEBER0-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl W) | The guidelines section 5.4 required 12 month mortgage history. The file contained a 4 month mortgage payment history. | XXX | On this condition, her current home's mortgage started in XXX and prior to that she lived in her other properties that were free and clear so we will only be able to get 6 months of VOM | XXX: Finding Waiver Applied; Final Grade EV 2/B | XXX: Finding Waiver Applied; Final Grade EV 2/B |
| 2023020824 | Credit | Credit | Resolved | Resolved | 0TWDOI2G02Z-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The subject property may be an ineligible transaction. The subject loan is a cash-out refinance of a primary home; however, it appears the borrower is not on title to the property. The Title p.565 shows the subject is vested in the name of XXX and not the borrowers name, XXX. The loan file contains 3 credit reports. Two are dated 1XXXith the report on p.181 being for the borrower and the report on p.200 being for the borrower and a co-borrower, XXX. The subject loan only has one borrower, XXX is not on the subject loan. The third report p.239 is for the borrower. The report with 2 borrowers p.203 shows the mortgage on the subject with Spec Loan Sv is in the name of the co-borrower, XXX and shows the loan was modified. Both reports for just the borrower do not reflect the mortgage on the subject with Spec Loan Sv. The title p.565 shows the subject is vested in the name of XXX and not the borrower. The mortgage payoff p.234 is only in the name of XXX. Fannie Mae Section B2-1.3-03 says the subject property must have been purchase by at least one borrower at least six months prior to the disbursement date of the new mortgage. The documentation in the loan file indicates the subject was purchase by someone other than the borrower more than 6 months ago. |  | The mortgage is in the name of the spouse who<br> is not on the loan. Due to the mortgage not belonging to the borrower, it appears no additional<br> information regarding the modification was obtain. However, due to it being the loan we refinanced,<br> modification documentation would have needed to be obtained and reviewed for seasoning. Due to<br> cash out and borrower not on title, loan is ineligible. | XXX Condition Acknowledged by lender: Agree. The 1003 shows the borrower is married and there is no evidence that a QCD was filed and at least 6 months prior to application date for a cash out. The title is in the name of someone else who is not on the loan.XXX: Resolved. Received title and deed with both borrowers | XXX Condition Acknowledged by lender: Agree. The 1003 shows the borrower is married and there is no evidence that a QCD was filed and at least 6 months prior to application date for a cash out. The title is in the name of someone else who is not on the loan.XXX: Resolved. Received title and deed with both borrowers |
| 2023020824 | Credit | Credit | Resolved | Resolved | 0TWDOI2G02Z-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | The loan file is missing the Replacement Cost Estimate from the hazard insurance company. The HOI policy in file p.561 shows coverage of XXX with additional coverage of 25% for a total of XXXhe loan amount is XXX. |  |  | XXX: Resolved. Received the Replacement Cost Estimate for $495207 | XXX: Resolved. Received the Replacement Cost Estimate for $495207 |
| 2023020824 | Credit | Credit | Resolved | Resolved | 0TWDOI2G02Z-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The title p.568 shows a HELOXXXcond Mortgage with XXX for XXX opened on XXX in the name of XXX. The CD p.30 does not show this debt being paid off at closing. The loan file is missing verification that the HELOXXXcond Mortgage with XXX for XXX opened on XXX was paid off and closed or subordinated. |  |  | XXX Remains: Lender indicated: Revised title in Property- Title Report e-folder showing Heloc removed. Documentation was not provided <br> XXX: Resolved. Received updated title report with HELOC removed | XXX Remains: Lender indicated: Revised title in Property- Title Report e-folder showing Heloc removed. Documentation was not provided <br> XXX: Resolved. Received updated title report with HELOC removed |
| 2023020824 | Credit | Credit | Active | 2: Acceptable with Warnings | 0TWDOI2G02Z-KVP6W6Y2 | Ineligible Borrower | \* Ineligible Borrower (Lvl 2) | The subject property may be an ineligible transaction. The subject loan is a cash-out refinance of a primary home; however, it appears the borrower is not on title to the property. The Title p.565 shows the subject is vested in the name of XXX and not the borrowers name, XXX. The loan file contains 3 credit reports. Two are dated 1XXXith the report on p.181 being for the borrower and the report on p.200 being for the borrower and a co-borrower, XXX. The subject loan only has one borrower, XXX is not on the subject loan. The third report p.239 is for the borrower. The report with 2 borrowers p.203 shows the mortgage on the subject with Spec Loan Sv is in the name of the co-borrower, XXX and shows the loan was modified. Both reports for just the borrower do not reflect the mortgage on the subject with Spec Loan Sv. The title p.565 shows the subject is vested in the name of XXX and not the borrower. The mortgage payoff p.234 is only in the name of XXX. Fannie Mae Section B2-1.3-03 says the subject property must have been purchase by at least one borrower at least six months prior to the disbursement date of the new mortgage. The documentation in the loan file indicates the subject was purchase by someone other than the borrower more than 6 months ago. | XXX | XXX: Agree. The 1003 shows the borrower is married and there is no evidence that a<br> QCD was filed and at least 6 months prior to application date for a cash out. The title is in the<br> name of someone else who is not on the loan. | XXX Loan Remains EV2- Lender Acknowledged: The title is in the name of someone else who is not on the loan. | XXX Loan remains EV2 - The subject loan is a primary residence cash-out refinance. Per guidelines this type of transaction requires at least one borrower be vested for a minimun of 6 months. The borrower did not meet the 6 month vesting at the time of consumation for this transaction, however, the lender was aware, did acknowledge prior to close and provided a formal appproved exception detail report which included sufficient compensating factors to address the issue warranting an EV2 as a final grade <br> XXX Loan Remains EV2- Lender Acknowledged: The title is in the name of someone else who is not on the loan. |
| 2023020825 | Credit | Credit | Resolved | Resolved | SMUNOVLL22C-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The guidelines, section 3.1.12 requires 6 months of reserves or XXXhe guidelines also state cash out may be used for reserves. Per the CD page 35 the borrower received cash out in the amount of XXX. No other assets were documented. Borrower is short XXX. ($5,883 - 830.86) |  | 2.3.2022: Client provided 401k statement. | XXX: Client provided 401K statement. Finding resolved. | XXX: Client provided 401K statement. Finding resolved. |
| 2023020825 | Credit | Credit | Resolved | Resolved | SMUNOVLL22C-T9232EW5 | Borrower(s) Months Reserves Requirement (Fail) | \* Borrower(s) Months Reserves Requirement (Fail) (Lvl R) | The guidelines, section 3.1.12 requires 6 months of reserves or XXXhe guidelines also state cash out may be used for reserves. Per the CD page 35 the borrower received cash out in the amount of XXX. No other assets were documented. Borrower is short XXX. ($5,883 - 830.86) |  |  | XXX: Client provided 401K statement. Finding resolved. | XXX: Client provided 401K statement. Finding resolved. |
| 2023020825 | Credit | Credit | Resolved | Resolved | SMUNOVLL22C-O81CR1RX | Borrower(s) Reserves Requirement (Fail) | \* Borrower(s) Reserves Requirement (Fail) (Lvl R) | The guidelines, section 3.1.12 requires 6 months of reserves or XXXhe guidelines also state cash out may be used for reserves. Per the CD page 35 the borrower received cash out in the amount of XXX. No other assets were documented. Borrower is short XXX. ($5,883 - 830.86) |  |  | XXX: Client provided 401K statement. Finding resolved. | XXX: Client provided 401K statement. Finding resolved. |
| 2023020826 | Credit | Credit Worthiness | Resolved | Resolved | IVGHOF4TAST-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl R) | The borrower purchased his primary home at XXX onXXXo no payment has been made by the time of the subject closing. The CD is on p.309 and shows escrowed with the Note on p.327. The 1003 p.151 shows the borrower owned his prior primary home. TheXXX credit report p.343 does not reflect a current mortgage. It reflects a mortgage with XXX with a last active date of XXX15 and a mortgage with XXX with a last active date of XXX19. The loan file is missing documentation to verify a current 12-month housing history. |  | XXX Current residence at XXX. One month, no history- OK<br> We received the rebuttal that the previous residence was owned free and clear. <br> • Current residence XXX, only been there a month, understood. No history was available. - OK<br> • XXX- we need to show that property was free and clear. The two uploads were the same (XXX and Property detail report) and were for the XXX. <br> • We need the property detail for the XXX address. Then we can show that property was free and clear. I should be able to piece together and clear the conditions when received. | XXX Pending the property detail for the XXX address<br> XXX: Remains. Received property report for XXX XXXich was in the original loan file. The borrower sold the propertyXXX. The credit report mortgage history only reports through XXX19. Missing most recent mortgage payment history from XXX19 until the time the property was sold. <br> XXX: Remains. Received same documentation. Missing most recent mortgage payment history from XXX19 until XXX20. <br>XXX: Resolved. Updated 1003 and property detail report shows most recent primary owned free and clear for 13 months | XXX Pending the property detail for the XXX address<br> XXX: Remains. Received property report for XXX XXXich was in the original loan file. The borrower sold the propertyXXX. The credit report mortgage history only reports through XXX19. Missing most recent mortgage payment history from XXX19 until the time the property was sold. <br> XXX: Remains. Received same documentation. Missing most recent mortgage payment history from XXX19 until XXX20. <br>XXX: Resolved. Updated 1003 and property detail report shows most recent primary owned free and clear for 13 months |
| 2023020826 | Credit | Credit | Resolved | Resolved | IVGHOF4TAST-HZ5671LK | Missing Doc | \* Missing Doc (Lvl R) | XXX: Finding added from conditions received. The revised 1003 REO has an additional property that was not previously disclosed located at XXX Mortgages with XXX with balance of XXX and payment of $XXX and XXX XXX9 with balance of $XXX and payment of $XXX.00. The loan file is missing documentation to verify the XXXmortgage payment, XXX mortgage payment, taxes, insurance, and home owners association dues (as applicable). |  |  | XXX: Resolved. Property not in borrower's name. Parent's are deceased and borrower is making payments until probate is complete. | XXX: Resolved. Property not in borrower's name. Parent's are deceased and borrower is making payments until probate is complete. |
| 2023020826 | Credit | Credit | Resolved | Resolved | IVGHOF4TAST-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The final 1003 p.153 lists an investment property at XXX. The 1003 shows there is no mortgage on the property; however, the Lender To Calculate Net Monthly Rental Income loss of (XXX). The file contains LOE's p.284, p.285 and p.812 which state there is no mortgage, no HOI and no HOA on the property. Page 286 shows property taxes of XXX. The loan file does not contain documentation clarifying what the (XXX) consists of. The loan file is missing a final 1003 signed by the borrower which reflect the correct information for the subject loan. |  |  | XXX: Remains. Received two property reports for XXX. Taxes verified of XXX. Need additional documentation to clarify what the remaining XXX consists of for a total loss of ($1823.90). The loan file is missing a final 1003 signed by the borrower which reflect the correct information for the subject loan.XXX: Resolved. Received revised 1008 and 1003 with correct REO and subject loan information. Revised 1003 shows additional REO disclosed; new finding added to verify mortgages as stated. | XXX: Remains. Received two property reports for XXX. Taxes verified of XXX. Need additional documentation to clarify what the remaining XXX consists of for a total loss of ($1823.90). The loan file is missing a final 1003 signed by the borrower which reflect the correct information for the subject loan.XXX: Resolved. Received revised 1008 and 1003 with correct REO and subject loan information. Revised 1003 shows additional REO disclosed; new finding added to verify mortgages as stated. |
| 2023020826 | Credit | Credit | Resolved | Resolved | IVGHOF4TAST-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The final 1003 p.153 list the primary residence at XXX with a monthly mortgage payment of XXX. It also shows show a payment of XXX in the Monthly Insurance, Taxes, Association Dues, etc. section. This property was purchased onXXXThe Note is on p.327 shows a payment of XXX, The LOE on p.812 shows there is no HOA and the CD on p.309 shows it is escrowed. The loan file does not contain documentation clarifying what the XXX consists of. The loan file is missing a final 1003 signed by the borrower which reflect the correct information for the subject loan. |  |  | XXX: Remains. Received LOE from seller stating borrower owns current primary residence free and clear and dates for the addresses didn't carry over correctly, which has been updated in Encompass. Also received two property reports, both are for XXX. No other documentation received for the primary residence addressing the stipulations as noted. <br> XXX: Remains. Received 1008 and 1003 that do not address findingXXX: Resolved. Received 1008 and 1003 with corrected REO and subject loan information; however, an additional property was disclosed and new finding added to verify mortgages as stated. | XXX: Remains. Received LOE from seller stating borrower owns current primary residence free and clear and dates for the addresses didn't carry over correctly, which has been updated in Encompass. Also received two property reports, both are for XXX. No other documentation received for the primary residence addressing the stipulations as noted. <br> XXX: Remains. Received 1008 and 1003 that do not address findingXXX: Resolved. Received 1008 and 1003 with corrected REO and subject loan information; however, an additional property was disclosed and new finding added to verify mortgages as stated. |
| 2023020827 | Compliance | Disclosures | Resolved | Resolved | NGWLUGCD3UY-OMJP9SOP | Missing TRID RESPA Disclosures | \* Missing TRID RESPA Disclosures (Lvl R) | The initial disclosures provided in the loan file were electronically signed and evidence of E-consent is missing. Per regulation, the consumers must consent to receiving documents electronically. The defect can be resolved by providing the consumer's consent. |  | XXXReceived E-Consent dated 1XXX/21 | XXXCleared. Received E-Consent dated 1XXX/21 | XXXCleared. Received E-Consent dated 1XXX/21 |
| 2023020827 | Compliance | Compliance | Resolved | Resolved | NGWLUGCD3UY-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) Although evidence was provided showing the consumer received the disclosure electronically, the consumer's consent to receive disclosures via email was not provided. Per regulation, creditors using electronic delivery methods, such as email, must also comply with § 1026.38(t)(3)(iii) (consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act). The defect can be cured by providing the E-consent. |  |  | XXXCleared. Received E-Consent dated 1XXX/21 | XXXCleared. Received E-Consent dated 1XXX/21 |
| 2023020827 | Credit | Credit | Waived | Waived | NGWLUGCD3UY-NUWHQML7 | Credit history inadequatXXXes not meet XXX(ATR) | \* Credit history insufficienXXXes not meet guidelines (ATR) (Lvl W) | The loan file contains a letter from the previous lien holder dated XXX offering an Interest Rate Reduction as well as a signed Modification Agreement dated XXX reducing the interest rate from 4.625% to 4.125% and an explanation from the borrower that this was not requested but offered from the lender to be competitive. Per lender guidelines, there is a 24-month seasoning requirement for previously modified loans. The loan file does contain an approved exception (p.850) allowing for the seasoning to be waived due to the high credit score, low DTI and LTV and stable employment history and mortgage history with 0x30 since 2004. | XXX | XXXReceived E-Consent dated 1XXX/21 | XXX The loan file does contain an acceptable exception (p.850) allowing for the seasoning to be waived due to the high credit score, low DTI and LTV and stable employment history and mortgage history with 0x30 since XXX. | XXX The loan file does contain an acceptable exception (p.850) allowing for the seasoning to be waived due to the high credit score, low DTI and LTV and stable employment history and mortgage history with 0x30 since XXX. |
| 2023020829 | Credit | Credit | Resolved | Resolved | LELODNBN4AS-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | There is a deposit of $9,152 on XXX (p.314) which is greater than 50% of the borrowers gross monthly qualifying income; therefore, must be sourced per lender guidelines section 3.2. The loan file does not contain the source of funds. |  |  | XXX: Resolved. Received statement from lender. removed large deposit from total assets and there is enough for FTC and required reserves. | XXX: Resolved. Received statement from lender. removed large deposit from total assets and there is enough for FTC and required reserves. |
| 2023020829 | Compliance | Compliance | Resolved | Resolved | LELODNBN4AS-ZXW1VRQZ | TRID- Initial CD delivery date test fail | \* TRID- Initial CD delivery date test fail (Lvl R) | This loan failed the initial closing disclosure delivery date test (12 CFR §1026.19(f) (1)(ii)) The initial CD is missing from the loan file. The only CD provided was issued XXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, XXX. If disclosure was delivered electronically, the E-consent is required as well. |  | initial CD dated 1XXX | XXX Cleared. The initial CD dated 1XXX resolved the delivery date test fail. | XXX Cleared. The initial CD dated 1XXX resolved the delivery date test fail. |
| 2023020829 | Credit | Credit Worthiness | Waived | Waived | LELODNBN4AS-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl W) | The borrower is a first-time home buyer, and the loan application states he lives rent free; however, there is a letter (p.289-336) stating his current rent is $1545 as well as 11 months bank statements showing timely rent payments. The loan file is missing either the 1XXX20 rent payment or 1XXX21 rent payment for 12 months to verify no more than 1x30x12 as required by lender guideline. | XXX |  | XXX: Received approved exception to proceed with 11 months of rental housing history. Compensating factors noted. | XXX: Received approved exception to proceed with 11 months of rental housing history. Compensating factors noted. |
| 2023020831 | Valuation | Value | Resolved | Resolved | ZMYQ4KFW002-M0XGEFL4 | Quality of Appraisal Report Unacceptable | \* Quality of Appraisal Report Unacceptable (Lvl R) | The appraisal states the contract was reviewed and had a sales price of XXX; whereas the correct sales price is XXX per the contract of sale (p.666) dated XXX, one year prior to the appraisal date. |  |  | XXX: Resolved. The property was new construction. The final contract price after upgrades is XXXhe sale price of XXX on the appraisal is the original model base price, date of contract reviewed by the appraiser isXXX. The 2nd appraisal in the loan file shows the final contract price of XXX with a contract date of XXX. | XXX: Resolved. The property was new construction. The final contract price after upgrades is XXXhe sale price of XXX on the appraisal is the original model base price, date of contract reviewed by the appraiser isXXX. The 2nd appraisal in the loan file shows the final contract price of XXX with a contract date of XXX. |
| 2023020831 | Credit | Credit | Resolved | Resolved | ZMYQ4KFW002-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The loan file does not have the source of funds for the following deposit:XXX XXX into XXX (p.34) that was used as part of the XXX down payment. |  |  | XXX: Resolved. The property was new construction. The EMD was put down over a year before closing which included the $100k that is not sourced. Deducted XXX from total verified assets. Assets verified are sufficient funds to close and for reserves. | XXX: Resolved. The property was new construction. The EMD was put down over a year before closing which included the $100k that is not sourced. Deducted XXX from total verified assets. Assets verified are sufficient funds to close and for reserves. |
| 2023020831 | Credit | Credit | Resolved | Resolved | ZMYQ4KFW002-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | There is a XXX home equity loan on the credit report (p.259) that is included in the DTI at origination under liabilities; however, there is no documentation to verify the property this loan is secured against. |  |  | XXX: Resolved. Received revised 1003. XXX HELOC is secured against XXX and added to the REO. | XXX: Resolved. Received revised 1003. XXX HELOC is secured against XXX and added to the REO. |
| 2023020839 | Credit | Credit | Resolved | Resolved | 4BFQTU31WMN-P293MAUY | Unable to verify all credit obligations (ATR) | \* Unable to verify all credit obligations (ATR) (Lvl R) | There is an inquiry withXXX onXXX (p.417) and per the explanation (p.307) the borrower opened a new account; however, the credit report does not reflect the new account and there is no statement to show the current balance and payment to be included in the DTI. | XXX |  | XXX: Remains. Received statement from the lender statement stating that XXX was not used to qualify. There is no statement to show the current balance and payment to be included in the DTI.XXX: The borrower stated in the LOX that a business credit card was opened. The borrower is self employed as indicated on the 1003 and we would not count a payment for the business against the borrower therefore lender did not request any additional information. Acceptable for Sole Proprietor with Bank statement loan as business debt is factored into the business expense ratio (30%). Condition resolved upon further review with compensating factors. | XXX: Remains. Received statement from the lender statement stating that XXX was not used to qualify. There is no statement to show the current balance and payment to be included in the DTI.XXX: The borrower stated in the LOX that a business credit card was opened. The borrower is self employed as indicated on the 1003 and we would not count a payment for the business against the borrower therefore lender did not request any additional information. Acceptable for Sole Proprietor with Bank statement loan as business debt is factored into the business expense ratio (30%). Condition resolved upon further review with compensating factors. |
| 2023020839 | Credit | Credit | Resolved | Resolved | 4BFQTU31WMN-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The fraud report has an alert on the borrowers social security number (p.526) and shows a SAM alert (p.527) with a matching name. These issues have not been addressed. There was not a Social Security Validation of SAM Search in the file to verify no issues. |  |  | XXX: Remains. Received statement from the lender statement stating that the fraud report findings were not addressedXXX Lender provided rebuttal stating: The SSN alert was conditioned for a copy of the borrowers Social Security Card and received. Audit verified in file. SSN matches file. The SAM.gov - the City and State don't match and the underwriting manager indicated this may be a common name and with the city and state reporting XXX and cleared the SAM alert. Alerts were addressed adequately, Condition resolved. | XXX: Remains. Received statement from the lender statement stating that the fraud report findings were not addressedXXX Lender provided rebuttal stating: The SSN alert was conditioned for a copy of the borrowers Social Security Card and received. Audit verified in file. SSN matches file. The SAM.gov - the City and State don't match and the underwriting manager indicated this may be a common name and with the city and state reporting XXX and cleared the SAM alert. Alerts were addressed adequately, Condition resolved. |
| 2023020839 | Credit | Credit | Waived | Waived | 4BFQTU31WMN-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl W) | Per the final CD, the borrower gave a deposit of XXX and received XXX at closing. The EMD of XXX is documented (p.14). The additional deposit of XXX is documented with an escrow receipt (p.136) and wire receipt (p.137) showing the funds coming from the business account withXXX XXX on XXX. The loan file contains the account statement endingXXX for this account (p.537) with a balance of XXX; however, is missing the most recent 30 days prior to the wire of the funds and the actual withdrawal. Per lender guidelines section 3.4 the borrower's most recent one month bank statement; or an Asset Verification Report provided by a 3rd party vendor is required. | XXX |  | XXX: Remains. Received letter stating that the existing bank statement expired XXXPer lender guidelines section 3.4 the borrower's most recent one month bank statement; or an Asset Verification Report provided by a 3rd party vendor is required. XXX: Remains. Lender provided guidelines that state bank statements may not be more than 90 days old at the time of the Note date AND Borrower's most recent one month bank statement are requiredXXX: Downgraded to EV2 as non-material. Seasoning of the documentation is within 90 days seasoning. Assets are dated XXXnd expired XXXloan closed. Assets were sufficient at time of verification. The XXX is documented with an escrow receipt (p.136) and wire receipt (p.137) showing the funds coming from the business account XXX. Availability was confirmed and compensating factors are present. | XXX: Remains. Received letter stating that the existing bank statement expired XXXPer lender guidelines section 3.4 the borrower's most recent one month bank statement; or an Asset Verification Report provided by a 3rd party vendor is required. XXX: Remains. Lender provided guidelines that state bank statements may not be more than 90 days old at the time of the Note date AND Borrower's most recent one month bank statement are requiredXXX: Downgraded to EV2 as non-material. Seasoning of the documentation is within 90 days seasoning. Assets are dated XXXnd expired XXXloan closed. Assets were sufficient at time of verification. The XXX is documented with an escrow receipt (p.136) and wire receipt (p.137) showing the funds coming from the business account XXX. Availability was confirmed and compensating factors are present. |
| 2023020832 | Credit | Credit | Resolved | Resolved | FZN04AYP54K-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The loan file contains a LOE p.328 which states the borrower has no mortgage or HOI on the property at XXX. Page 357 is the property tax bill for this property. The final 1003 p.165 does not list 1XXX as an REO property. This property was included in the DTI as audit. The loan file is missing a final 1003 signed by the borrower which reflects the correct information for the subject loan. |  |  | XXX: Resolved. Received explanation stating this property is owned by a LLC. Audit verified with tax document, XXX is owned by XXX. In addition, this property is not reporting on the fraud report. | XXX: Resolved. Received explanation stating this property is owned by a LLC. Audit verified with tax document, XXX is owned by XXX. In addition, this property is not reporting on the fraud report. |
| 2023020832 | Credit | Credit | Resolved | Resolved | FZN04AYP54K-0BLBZVJN | Credit | \* Missing Documentation (Lvl R) | The loan file is missing the Replacement Cost Estimate from the hazard insurance company. The HOI policy in file p.657 shows coverage of XXX with no additional coverage listed. The loan amount is XXX. |  |  | XXX: Resolved. Received HOI coverage for $XXX with an additional 25% for the dwelling that covers up to XXX. | XXX: Resolved. Received HOI coverage for $XXX with an additional 25% for the dwelling that covers up to XXX. |
| 2023020832 | Valuation | Property | Waived | Waived | FZN04AYP54K-FSPW8MVQ | Property Issues indicated | \* Property Issues indicated (Lvl W) | Per the appraisal p.542, the subject property is on a private road.XXX Section B4-1.3-04 requires an agreement or covenant which includes the responsibility for payment of repairs, including each party's representative share, lists the default remedies in the event a party to the agreement or covenant fails to comply with the obligation and the effective term of the agreement or covenant. If the property is located within a state that has statutory provisions that define the responsibilities of property owners for the maintenance and repair of a private street, then no separate agreement or covenant is required.<br> XXX: Received approved exception for private road agreement based on credit score, reserves, and residual income. | XXX |  | XXX: Remains. Received statement stating this is not seen on title. For reference, the Title Commitment does list the Maintenance of Private Road Easement on Schedule B, XXXpg 669).<br> XXX: Lender acknowledged that NonQM guidelines do not require the review of private road maintenance agreement. Received approved exception for private road agreement based on credit score, reserves, and residual income. Compensating factors provided. Non material condition. | XXX: Remains. Received statement stating this is not seen on title. For reference, the Title Commitment does list the Maintenance of Private Road Easement on Schedule B, XXXpg 669).<br> XXX: Lender acknowledged that NonQM guidelines do not require the review of private road maintenance agreement. Received approved exception for private road agreement based on credit score, reserves, and residual income. Compensating factors provided. Non material condition. |
| 2023020832 | Credit | Credit | Waived | Waived | FZN04AYP54K-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl W) | The loan file is missing documentation to source several deposits into XXX checking XXX p.48. They are: 1XXX23,014.29 and 1XXX24,828.04 on p.48, 1XXX233,000 on p.50, 1XXX23,100 and 1XXX16,815.97 on p.51. The 1008 p.727 has a note that the XXX deposit was the liquidation of XXX account. The file contains a statement for XXX stock XXX p.40 datedXXXhowing a XXX balance; however, this is dated prior to the 1XXXeposit. The deposits cannot be deducted from the account balance without leaving the borrower short funds for closing and reserves. | XXX |  | XXX: Partially resolved. Received explanation stating the XXX account statement on XXX is within the retirement account statement and attached a screen shot. The other large deposit are 1099 earnings from XXX which is the employer on the 1099 and loan application (source of these large deposits is resolved). Still need the XXX statement showing sufficient assets to support the XXX deposit made on 1XXXThe statement in the loan file is datedXXXhowing a XXX balance which is less than the deposit amount of XXXxxx: Remains. Assets were received but no explanation for the XXX deposit made on 1XXXxxx: Remains. Received asset statements showing the large deposits and the XXX statement. Still need the XXX statement for XXX showing sufficient assets to support the XXX deposit made on 1XXXThe XXX statement received is datedXXXhowing a XXX balance which is less than the deposit amount of XXX made on 1XXX.<br> XXX Acknowledged: Discussed XXX Mgmt and client. Updated statement not provided but id feasible that increase in market may have been a factor if 10% increase in account balance available for transfer. Lender validated through transfer and did not require the additional statement. | XXX: Partially resolved. Received explanation stating the XXX account statement on XXX is within the retirement account statement and attached a screen shot. The other large deposit are 1099 earnings from XXX which is the employer on the 1099 and loan application (source of these large deposits is resolved). Still need the XXX statement showing sufficient assets to support the XXX deposit made on 1XXXThe statement in the loan file is datedXXXhowing a XXX balance which is less than the deposit amount of XXXxxx: Remains. Assets were received but no explanation for the XXX deposit made on 1XXXxxx: Remains. Received asset statements showing the large deposits and the XXX statement. Still need the XXX statement for XXX showing sufficient assets to support the XXX deposit made on 1XXXThe XXX statement received is datedXXXhowing a XXX balance which is less than the deposit amount of XXX made on 1XXX.<br> XXX Acknowledged: Discussed XXX Mgmt and client. Updated statement not provided but id feasible that increase in market may have been a factor if 10% increase in account balance available for transfer. Lender validated through transfer and did not require the additional statement. |
| 2023020835 | Valuation | ValuationWaterfall | Resolved | Resolved | ZRC1DVITOR3-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl R) | Missing Third Party Valuation Product to support the appraisal value within 10% variance. |  | XXX Post fund Desk Review supports value. | XXX: Finding Remains. AVM below minimum Confidence score 90<br> XXX: Finding Resolved. Desk Review with 0% variance | XXX: Finding Remains. AVM below minimum Confidence score 90<br> XXX: Finding Resolved. Desk Review with 0% variance |
| 2023020836 | Credit | Income | Resolved | Resolved | 4URS05TX4JC-7ZU2HIM5 | Missing sufficient employment documentation (ATR) | \* Missing sufficient employment documentation (ATR) (Lvl R) | The loan file is missing the required CPA letter confirming the ownership percentage as required by the lender matrix. |  |  | XXX: Resolved. Received shareholders agreement for the borrower's business. | XXX: Resolved. Received shareholders agreement for the borrower's business. |
| 2023020837 | Credit | Credit | Resolved | Resolved | T2W00EW0EN3-N82WOOQJ | Guidelines | \* Missing Documentation (Lvl R) | The final 1003 p.80 show the investment property at XXX is pending sale. The loan file contains a CD p.19; however, the property address is Vacant Lot, XXX,. The file is missing documentation to verify the CD for the vacant lot is for XXX. |  |  | XXX: Resolved. Received the final settlement statement for the sale of XXX | XXX: Resolved. Received the final settlement statement for the sale of XXX |
| 2023020837 | Credit | Credit | Resolved | Resolved | T2W00EW0EN3-MSWDDK7Q | Income Worksheet | \* Income Worksheet (Lvl R) | The loan file is missing the lender income worksheet. |  |  | XXX: Resolved. Received the lender income worksheet. | XXX: Resolved. Received the lender income worksheet. |
| 2023020837 | Credit | Credit | Resolved | Resolved | T2W00EW0EN3-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The loan file is missing documentation to verify the gift donor had the funds to gift. The file contains a gift transaction detail p.22 shows it was transferred to the title. The gift is not listed on the CD p.34; however, the CD shows a XXX deposit which is not verified. It is not clear if the deposit was the gift. The lack of the gift being verified means the borrower is short reserves. The borrower has verified funds of XXX without the gift or the EMD being verified. The borrower brought XXX to closing leaving XXX for reserves which is XXX months. The bank statement program requires 6 months of reserves. |  |  | XXX: Resolved. Received wire receipt for $XXX and canceled check for $XXX to title company | XXX: Resolved. Received wire receipt for $XXX and canceled check for $XXX to title company |
| 2023020837 | Credit | Guidelines | Resolved | Resolved | T2W00EW0EN3-HZN226DS | Asset | \* Asset documentation does not meet guideline requirement (Lvl R) | The loan file is missing the correct gift letter. The final 1003 p.80 shows the borrower received a gift of XXXhe loan contains a gift transfer p.22 showing $XXX and a gift letter p.24 from XXX showing a gift of XXX. |  |  | XXX: Resolved. Received wire receipt for $XXX and canceled check for $XXX to title company | XXX: Resolved. Received wire receipt for $XXX and canceled check for $XXX to title company |
| 2023020837 | Valuation | ValuationWaterfall | Resolved | Resolved | T2W00EW0EN3-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | The loan file is missing the secondary appraisal product. Guideline Section2.4 requires a secondary appraisal product to support the appraisal value for the transaction. The FNMA Collateral Underwriter (CU) p.718 score is 2.6. |  |  | XXX: Resolved. Received lox for loan amount but requires a secondary appraisal product based on score | XXX: AVM provided: Issue Resolved<br> XXX: Remains. Received lox for loan amount but requires a secondary appraisal product based on score |
| 2023020837 | Credit | Credit | Waived | Waived | T2W00EW0EN3-5ENZSYCH | DTXXXsidual income outside of guidelines (ATR) | \* DTXXXsidual income outside of guidelines (ATR) (Lvl W) | The subject loan was approved with a DTI of XXX% which exceeds the maximum DTI of XXX%. The audit DTI is XXX%. The Bank Statement Program Matrix shows the maximum DTI is 50%. Exception received to allow for DTI of XXX% based on FICO of XXX and payment shock below max. | XXX |  | XXX Acknowledged EV2 condition: The subject loan was approved with a DTI of XXX% which exceeds the maximum DTI of 50%. Compensating factors are considered in approval of non-material variance. | XXX Acknowledged EV2 condition: The subject loan was approved with a DTI of XXX% which exceeds the maximum DTI of 50%. Compensating factors are considered in approval of non-material variance. |
| 2023020837 | Credit | Credit Worthiness | Waived | Waived | T2W00EW0EN3-P6P8CVNF | Mortgage history for primary residence less than 1 | \* Mortgage history for primary residence less than 12 months (Lvl W) | The loan file is missing the 12-month housing payment history. The file contains 6 months of bank statements showing rent payments of $2,600 to XXX. Per the final 1003 p.80, the borrower has been renting for 7 months. The borrower owned his previous home; however, the 1XXXredit report p.274 does not reflect a mortgage closed or open. | XXX |  | XXX: Remains. Received bank statement showing 6 months payment rent (XXX to XXX) and Satisfaction of Mortgage for the borrower for XXX. There is no mortgage on the credit report to verify a payment history prior to the satisfaction. Need minimum 6 months mortgage history for previous primary residence to meet the 12-month housing payment history requirement.<br> XXX: Lender acknowledged missing previous 6 months of mortgage history. Provided satisfaction of mortgage as evidence paid in full. Acceptable waiver of non-material finding with compensating factors.  | XXX: Remains. Received bank statement showing 6 months payment rent (XXX to XXX) and Satisfaction of Mortgage for the borrower for XXX. There is no mortgage on the credit report to verify a payment history prior to the satisfaction. Need minimum 6 months mortgage history for previous primary residence to meet the 12-month housing payment history requirement.<br> XXX: Lender acknowledged missing previous 6 months of mortgage history. Provided satisfaction of mortgage as evidence paid in full. Acceptable waiver of non-material finding with compensating factors.  |
| 2023020837 | Credit | Eligibility | Waived | Waived | T2W00EW0EN3-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl W) | The subject loan was approved with a DTI of XXX% which exceeds the maximum DTI of 50%. The audit DTI is XXX%. The Bank Statement Program Matrix shows the maximum DTI is 50%.XXX: Exception received for DTI of XXX vs 50.00 with the following compensating factors, FICO score of XXX and payment shock below max. | XXX |  | XXX Acknowledged EV2 condition: The subject loan was approved with a DTI of XXX% which exceeds the maximum DTI of 50%. Compensating factors are considered in approval of non-material variance. | XXX Acknowledged EV2 condition: The subject loan was approved with a DTI of XXX% which exceeds the maximum DTI of 50%. Compensating factors are considered in approval of non-material variance. |
| 2023020841 | Credit | Credit | Resolved | Resolved | AC2QUEUA2KD-KN6IC5WB | Missing asset documentation (ATR) | \* Missing asset documentation (ATR) (Lvl R) | The following deposits were greater than 50% of the borrowers income and required source of funds that was not in the file: WF XXX XXX7,500, XXX7,500. |  |  | XXX: Resolved. Received LOX and bank statement showing XXX deposit of $XXX on XXX is a business payment from XXX for XXX project services and was transferred to the business account the same day. The $XXX deposit on 1XXX was a transfer from savings for EMD. Bank statement for XXX shows the overdraft protection is linked to savings XXX which supports the borrower has a savings account that was not used for assets. | XXX: Resolved. Received LOX and bank statement showing XXX deposit of $XXX on XXX is a business payment from XXX for XXX project services and was transferred to the business account the same day. The $XXX deposit on 1XXX was a transfer from savings for EMD. Bank statement for XXX shows the overdraft protection is linked to savings XXX which supports the borrower has a savings account that was not used for assets. |
| 2023020841 | Credit | Assets Insufficient | Resolved | Resolved | AC2QUEUA2KD-N0ARUTPV | Assets are not sufficient to close | \* Assets are not sufficient to close (Lvl R) | Per the final CD, the borrower gave an EMD of $7,500 and paid XXX to close. The EMD is documented. The borrower has verified assets of XXX (WF XXX XXX, WF XXX XXX and WF XXX XXX), which is not sufficient to close and meet reserve requirements. The loan file contains a copy of a check for XXX that was liquidated from the XXX investment account XXX (p.53) on XXX; however, there is no documentation to verify where those assets were deposited. |  |  | XXX: Resolved. Received the bank statement deposit for XXX | XXX: Resolved. Received the bank statement deposit for XXX |
| 2023020841 | Credit | Eligibility | Waived | Waived | AC2QUEUA2KD-11IQM43Q | DTI Ratio does not meet eligibility requirement(s) | \* DTI (Back) Ratio does not meet eligibility requirement(s) (Lvl W) | 100XXX03 reflects self-employed income of XXXxxxnth. Origination income is not supported. Audit income is XXX resulting in a DTI of XXX which exceeds guideline maximum of 45%. It is to be noted, per lender guidelines, the maximum allowable DTI for loans with an LTV over 85% is 45% and the subject closed with a DTI of XXX% which exceeded guidelines | XXX | Lender Response:XXX: This loan was approved, prior to consummation, with a DTI of XXX%. Please see approved exception dated XXX referencing the DTI. XXX XXX acknowledges that the Exception approval was incomplete; however, the key factors were disclosed. <br> Compensating factors are present:<br> XXX Month reserves are greater than the 6 months required per guidelines by 19.742 months<br> XXX FICO is greater than the minimum required 700 FICO at 90% LTV by 25 points<br> $XXX Monthly disposable income is greater than the minimum required of $2500 by XXX<br> Please accept this memo as validation of the intent to provide the DTI exception with the compensating factors above. | XXX: Remains. Received a LOX disagreeing with the removal of deposits. Majority of the discrepancies are from online transfers from XXX totaling XXX in the months of XXX. additional information is missing <br> XXX: Remains. Income deposits from XXX were included in calculation and the DTI is now XXX. Program max DTI is 45% at this LTV of 90%. Exception approval is in file on page 681; however the exception and compensating factors are not completed for consideration. <br> XXX: Lender provided meme to file. This loan was approved, prior to consummation, with a DTI of XXX%. Please see approved exception dated XXX referencing the DTI. Angel Oak acknowledges that the Exception approval was incomplete; however, the key factors were disclosed. Compensating factors are present. Condition downgraded to EV2 with acceptable explanation. | XXX: Remains. Received a LOX disagreeing with the removal of deposits. Majority of the discrepancies are from online transfers from XXX totaling XXX in the months of XXX. additional information is missing <br> XXX: Remains. Income deposits from XXX were included in calculation and the DTI is now XXX. Program max DTI is 45% at this LTV of 90%. Exception approval is in file on page 681; however the exception and compensating factors are not completed for consideration. <br> XXX: Lender provided meme to file. This loan was approved, prior to consummation, with a DTI of XXX%. Please see approved exception dated XXX referencing the DTI. Angel Oak acknowledges that the Exception approval was incomplete; however, the key factors were disclosed. Compensating factors are present. Condition downgraded to EV2 with acceptable explanation. |
| 2023020841 | Credit | Credit | Waived | Waived | AC2QUEUA2KD-5ENZSYCH | DTXXXsidual income outside of guidelines (ATR) | \* DTXXXsidual income outside of guidelines (ATR) (Lvl W) | 100XXX03 reflects self-employed income of XXXxxxnth. Origination income is not supported. Audit income is XXX resulting in a DTI of XXX which exceeds guideline maximum of 45%. It is to be noted, per lender guidelines, the maximum allowable DTI for loans with an LTV over 85% is 45% and the subject closed with a DTI of 49.117% which exceeded guidelines | XXX |  | XXX: Remains. Received a LOX disagreeing with the removal of deposits. Majority of the discrepancies are from online transfers from XXX totaling XXX in the months of XXX. additional information is missing <br> XXX: Remains. Income deposits from XXX were included in calculation and the DTI is now XXX. Program max DTI is 45% at this LTV of 90%. Exception approval is in file on page 681; however the exception and compensating factors are not completed for consideration. <br> XXX: Lender provided meme to file. This loan was approved, prior to consummation, with a DTI of XXX%. Please see approved exception dated XXX referencing the DTI. Angel Oak acknowledges that the Exception approval was incomplete; however, the key factors were disclosed. Compensating factors are present. Condition downgraded to EV2 with acceptable explanation. | XXX: Remains. Received a LOX disagreeing with the removal of deposits. Majority of the discrepancies are from online transfers from XXX totaling XXX in the months of XXX. additional information is missing <br> XXX: Remains. Income deposits from XXX were included in calculation and the DTI is now XXX. Program max DTI is 45% at this LTV of 90%. Exception approval is in file on page 681; however the exception and compensating factors are not completed for consideration. <br> XXX: Lender provided meme to file. This loan was approved, prior to consummation, with a DTI of XXX%. Please see approved exception dated XXX referencing the DTI. Angel Oak acknowledges that the Exception approval was incomplete; however, the key factors were disclosed. Compensating factors are present. Condition downgraded to EV2 with acceptable explanation. |
| 2023020842 | Valuation | ValuationWaterfall | Resolved | Resolved | V4RIOG5E5BF-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl 3) | Per guidelines, section 2.2, a secondary appraisal product is required if the FNMA Collateral Underwriter (CU) score is greater than 2.5. There is no Collateral Underwriter Risk Score. The appraisal, page 797, valued the subject property at XXX onXXX. The file did not include a secondary appraisal. |  | XXX: AVM proivded, XXX | XXX: AVM provIded is -17.63% original appraisal XXX current AVM value is XXX Issue remains | \*\*\*(CURED) Appraised value not supported, post close AVM provided. EV R |
| 2023020128 | Compliance | Compliance | Active | 2: Acceptable with Warnings | SQQNZ5LO3SR-218OB3NA | Missing TRID Reimbursement Documentation (for requ | \* Missing TRID Reimbursement Documentation (for requirements not related to a tolerance fail) (Lvl 2) | This loan failed the reimbursement date post-consummation revised closing disclosure delivery date test. The PCCD issued on XXX was provided more than 60 calendar days after the consummation date,XXX. Per § 1026.19(f)(2)(v)), if the creditor cures a tolerance violation by providing a reimbursement to the consumer, the creditor must deliver or place in the mail a corrected Closing Disclosure that reflects the reimbursement no later than 60 calendar days after consummation. No rebuttal response required. Cure accepted 60 days from discovery. |  |  |  |  |
| 2023020128 | Valuation | ValuationWaterfall | Active | 2: Acceptable with Warnings | SQQNZ5LO3SR-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Appraised value not supported. Form Type and CU Score (Lvl 2) | Loan Covered by Reps and Warrants. The loan file does not contain a secondary appraisal product (i.e., AVM, enhanced desk review, field review, FNMA CU score greater than 2.5) to support the appraised value of XXX within 10% as required by lender guidelines section 2.4. |  |  |  |  |
| 2023020803 | Valuation | ValuationWaterfall | Resolved | Resolved | V4RIOG5E5BF-92YOUD3A | Appraised value not supported. Form TypXXX Score | \* Missing asset documentation (ATR) (Lvl R) | \*Missing secondary valuation to support value within 10% |  |  | XXX: AVM provIded is -17.63% original appraisal XXX current AVM value is XXX Issue remains | \*\*\*(CURED) Appraised value not supported, post close AVM provided. EV R |

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## Exhibit 99.24

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.24**

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| **Valuation Report** |
| **Run Date - 2/6/2023** |

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| **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** | **POST-ORIGINATION VALUES** |
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **APPRAISAL VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** | **RECONCILIATION VALUES** |
| **Recovco Loan ID** | **Loan #1** | **Pool** | **Collateral Underwriter Risk Score** | **Freddie Mac LCA Score** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Final Value Used by Lender** | **Appraised Value** | **Appraisal Form Type** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Form Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Form Type** | **Company** | **Appraisal Date** | **Appraised Value** | **Appraisal Form Type** | **Appraisal Date** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Form Type** |
| NXD3YTVNONG | 2023020124 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| YHBZ5CWDGIT | 2023020125 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ONAND2EBNFS | 2023020129 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| JAVNGJVPTE1 | 2023020130 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2EMY1MVFLIR | 2023020126 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FMRNTMWVUTW | 2023020131 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| L5EXRPMTFO0 | 2023020132 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| NR2GFYPYKBD | 2023020133 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| NGEB15H4C01 | 2023020127 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| NP5JB5BVH3X | 2023020790 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |  |  |  |  |  |  |
| WSZU104P4WQ | 2023020791 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| HUCEQIEOLVX | 2023020792 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| UTS4NBJ5VXY | 2023020793 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| KR3JOJSZARU | 2023020794 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3WWDYBZUJBI | 2023020795 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3GJJXM20BZH | 2023020796 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 0BH1ZFVIUCL | 2023020797 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OF4RETQJPXF | 2023020798 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| D0OM2RJSL4R | 2023020799 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| E1BV415OYGU | 2023020800 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FMKDJUAFTQI | 2023020801 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| T3PIOQNVGRP | 2023020802 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3Q52G2QUEXK | 2023020803 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| VSLWMIQQ1JB | 2023020804 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| N2DMLA5VLWN | 2023020805 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LRLTNLMLLIX | 2023020806 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 5RPYS4YFBAE | 2023020807 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 0LMO5J5KCF2 | 2023020808 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| AXTYVHUSWHN | 2023020809 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 11ELQF4GN00 | 2023020810 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| OLNC4ALRWZ0 | 2023020811 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| CW2DS0FXGDF | 2023020812 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |  |  |  |  |  |  |
| SAWDFJZZCQH | 2023020813 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| V2MLP2GQ0EZ | 2023020814 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3EDFWWPHEOU | 2023020815 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable | Unavailable |  |  |  |  |  |  |
| 5WK3V2FW5CY | 2023020816 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LAOWVWG1TIE | 2023020817 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| GKR1WCDJHBT | 2023020818 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| VS1D3AU52UL | 2023020819 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| QKQ5PDKXIO0 | 2023020820 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| V3RSCLJDMWB | 2023020821 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| CNY2EGEBER0 | 2023020822 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1073 Condominiums | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| T2MRVS01VQA | 2023020823 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1073 Condominiums | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 0TWDOI2G02Z | 2023020824 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| SMUNOVLL22C | 2023020825 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| IVGHOF4TAST | 2023020826 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| NGWLUGCD3UY | 2023020827 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| DNLSXGGOMIU | 2023020828 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| LELODNBN4AS | 2023020829 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| N0W0LUNTBTF | 2023020830 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ZMYQ4KFW002 | 2023020831 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4BFQTU31WMN | 2023020839 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| FZN04AYP54K | 2023020832 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| A5FJ1A0N34X | 2023020833 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 1WUPZR3RTSB | 2023020834 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| P1H3W1Y1SNX | 2023020840 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ZRC1DVITOR3 | 2023020835 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 4URS05TX4JC | 2023020836 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| T2W00EW0EN3 | 2023020837 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| V0IHY1HWJUG | 2023020838 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| AC2QUEUA2KD | 2023020841 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| V4RIOG5E5BF | 2023020842 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1025 2-4 Family Property | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| UNDQJ0V43OC | 2023020845 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| NINK5BAX5TY | 2023020846 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Condominiums | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| T0QFQWC00VO | 2023020847 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| SESOHW1KEC3 | 2023020843 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 3J4CS3P4IVC | 2023020844 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| IZZ4JOG14AD | 2023020848 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| SQQNZ5LO3SR | 2023020128 | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | 1004 Residential Appraisal | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.25

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.25** 

---

| |
|:---|
| **Data Comparison** |
| **Run Date - 2/6/2023** |

---

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Recovco Loan ID** | **Loan #1** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| xxxx | 2023020125 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020129 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020129 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020129 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020130 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020130 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020130 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020130 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020126 | Borrower Last Name | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020131 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020131 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020132 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020132 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020133 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020133 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020791 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020792 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020794 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020794 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020795 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020795 | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020796 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020796 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020797 | Original Note Doc Date | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020797 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020798 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020798 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020798 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020799 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020799 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020799 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020800 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020800 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020800 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020802 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020802 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020803 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020803 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020803 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020804 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020804 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020804 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020806 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020806 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020806 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020807 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020807 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020808 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020809 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020809 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020810 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020811 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020811 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020813 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020813 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020814 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020815 | ARM Index Margin Percent | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020816 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020816 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020816 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020817 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020818 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020818 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020819 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020820 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020820 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020820 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020820 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020821 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020821 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020821 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020822 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020822 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020823 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020823 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020824 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020824 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020824 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020824 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020824 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020825 | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020825 | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020825 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020826 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020826 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020826 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020827 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020827 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020827 | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020827 | Original Standard LTV (OLTV) | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020827 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020828 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020828 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020828 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020829 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020829 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020829 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020830 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020831 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020831 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020831 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020839 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020839 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020839 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020832 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020832 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020832 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020833 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020833 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020834 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020834 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020840 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020840 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020840 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020835 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020835 | Purpose of Transaction per HUD-1 | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020836 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020836 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020837 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020837 | Borrower Last Name | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020837 | Lender Doc Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020837 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020837 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020837 | Representative Score | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020838 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020841 | Borrower DTI Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020841 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020841 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020842 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020845 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020846 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020846 | Subject Property Type | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020847 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020843 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020844 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020848 | Original Stated Rate | xxxx | xxxx | xxxx | xxxx | Initial |  |
| xxxx | 2023020128 | Occupancy at Origination (Property Usage Type) | xxxx | xxxx |  | xxxx | Initial |  |
| xxxx | 2023020128 | Original CLTV Ratio Percent | xxxx | xxxx | xxxx | xxxx | Initial |  |

---

## Exhibit 99.26

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.26**![](ex99-21_001.jpg)

Canopy Financial Technology Partners LLC

<u>info@canopytpr.com</u> \| 720-371-8517 \| <u>www.canopytpr.com</u>

Address: 83 Halls Road, STE 203, Old Lyme, CT 06371

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

**Description of Services**

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Angel Oak Mortgage Fund EU B LLC (the "Client") or its affiliated company. The Review was conducted from October 2022 to October 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) Loan with an aggregate principal balance of $226,000.

**Loan Sampling**

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

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

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

· Assets and Reserves;

· DTI (when applicable);

· DSCR (when applicable);

· Gross Income (when applicable);

· Housing history;

· Lien Position;

· Loan Purpose;

· LTV/CLTV;

· Monthly debt service;

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

· Occupancy;

· Property Type;

· Qualifying PITI; and

· Residual Income.

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

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

· Borrower(s) employment history ;

· Citizenship and eligibility;

· First time home buyer status ;

· The application was signed by all borrowers; and

· The application was substantially completed.

**Credit History:** Canopy verified:

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

· Bankruptcy and foreclosure seasoning;

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

· Installment and revolving payment history;

· Mortgage/rental payment history;

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

· Number of tradelines; and

· Representative Credit Score and Methodology.

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

· Verbal or Written VOE's;

· Paystubs;

· W-2 forms;

· Tax returns;

· Financial statements;

· Award letters;

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

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

· Borrower identity:

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

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

· Employment:

· Licensing – reviewed NMLS data for:

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

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

· Occupancy:

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

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

· OFAC.

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

· Depository account statements;

· Gift funds;

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

· Stock or security account statements; and/or

· VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

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

· Initial application (1003);

· Final application (1003);

· Note;

· Mortgage/Deed of Trust;

· Appraisal;

· Sales Contract;

· Title Commitment/Policy;

· Junior Lien/Subordination Agreement;

· Mortgage Insurance;

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

· Flood Certification;

· Initial and Final Loan Estimate (LE);

· Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

**I.** **Compliance Documentation Requirements** 

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs and
CDs with a report outlining any TILA violations, including a re-calculation of disclosed finance charge, principal and interest calculations,
proper completion of the Projected Payments table, total of payments, finance charge, amount financed, recalculation of disclosed APR
and a review to determine disclosure differences were within
the allowed tolerances and disclosures were provided within the required timeframes. Testing will be conducted to fulfill the elements
Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019);

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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· 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; 24-1.1(E)(a); 24-10.2(a) as amended.

· Ohio Anti-Predatory Lending Statute, HB 386, as amended by S.B. 185 (2006), Ohio Rev. Code Ann. §
1.63. · Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as implemented by Ohio Admin. Rules
§ 109 4-3-01 et seq.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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**QUALIFIED MORTGAGE (QM)** 

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

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

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

Ability to Repay (ATR)

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

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

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

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**Valuation Review**

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

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

· In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten
percent (-10%) variance, a field review was ordered to further establish value.

**Agency & Non-Agency Eligible Loans:**

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

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

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**VALUATION RESULTS SUMMARY**

The tables below sets forth the number of Mortgage Loans and valuation of associated properties within the Diligence Sample for which an independent third-party valuation product was produced in accordance with the foregoing process:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** | &nbsp;&nbsp;**Agency Eligible** |
| &nbsp;&nbsp;**# of Files – CU Score <= 2.5** | &nbsp;&nbsp;**# of Files – Eligible Rep & Warrant Relief** | &nbsp;&nbsp;**# of Files < -10% of OA valued (Desk Review)** | &nbsp;&nbsp;**# of Files => -10% of OA valued (Desk Review)** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A |

---

· Chart is N/A as all Loan Files were Non-Agency

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** | &nbsp;&nbsp; <br> **Non-Agency Eligible** |
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files < -10% of OA value OR Confidence <= 80%** | &nbsp;&nbsp;**# of Files => -10% of OA value** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

· Of the 1 Non-Agency Eligible loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· 1 Loan Files were noted with a Desk Review supporting the original appraised value within a 10% variance.

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

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

---

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

---

---

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

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Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

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| | |
|:---|:---|
| &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** | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

---

---

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

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

**FINDINGS SUMMARY**

**Summary Overview**

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

Canopy's review concluded a Credit grade of "B" for 0.00% or Zero (0) have an overall grade of "B" and 100.00% (1 loan) has a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 0.00% or Zero (0) have an overall grade of "B" and 100.00% (1 loan) has Compliance grade of "A".

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

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$226000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$226000.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$226000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$226000.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$226000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$226000.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$226000.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$226000.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$226000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$226000.00** |

---

**DATA COMPARISON RESULTS**

Of the one (1) mortgage Loan File reviewed, one (1) unique loan (100.00% by number) had one(1) tape comparison discrepancies across twenty-six (40) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Index | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |

---

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

![](ex99-21_001.gif)

**Disclaimer**

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

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

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

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

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

 

Canopy Financial Technology Partners \| www.canopytpr.com \|©2021 Proprietary and Confidential

## Exhibit 99.27

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.27**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 2023020143 |  |  | xxxx A |

---

## Exhibit 99.28

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| 2023020143 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxxx | CT | Investment | Refinance | Cash Out - Other |  |  |

---

## Exhibit 99.29

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Primary Appraised Value** | **Value for LTV** | **Primary Appraisal Date** | **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 Vendor** | **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** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Total Adjusted Prior Purchase Price** |
| 2023020143 |  |  | xxxx | xxxx |  | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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## Exhibit 99.30

[AOMT 2023-2 ABS-15G](aomt-abs15g_022223.htm)

**Exhibit 99.30**

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| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 2023020143 | xxxx | Interest Rate | notePage | xxxx | xxxx | Per Note interest rate is xxxx% |

---