# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0001104659-25-072954
**Filing Date:** 2025-8
**Character Count:** 1524411
**Document Hash:** 1432f040d216fb8946a4387d95c13c31
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001104659-25-072954.hdr.sgml**: 20250801

**ACCESSION NUMBER**: 0001104659-25-072954

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

**PUBLIC DOCUMENT COUNT**: 22

**CONFORMED PERIOD OF REPORT**: 20250801

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

**FILED AS OF DATE**: 20250801

**DATE AS OF CHANGE**: 20250801

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 251174314

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

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

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

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

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

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

**UNITED STATES**

**SECURITIES AND EXCHANGE COMMISSION**

**Washington, D.C. 20549**

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER**

**REPORT PURSUANT TO SECTION 15G OF**

**THE SECURITIES EXCHANGE ACT OF 1934**

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

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

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

Commission File Number of securitizer: ______________

Central Index Key Number of securitizer: ______________

<u> </u>

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

contact in connection with this filing.

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

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

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

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

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2025-8</u>

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

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

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

<u>Ashley Templeton, (303) 376-3688</u>

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

contact in connection with this filing.

**INFORMATION TO BE INCLUDED IN THE REPORT**

---

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

---

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

**SIGNATURES**

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

Dated: August 1 , 2025

---

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

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

---

| | |
|:---|:---|
| [99.1](tm2522115d1_ex99-1.htm) | [Clayton Services LLC ("Clayton") Due Diligence Narrative Report](tm2522115d1_ex99-1.htm) |
| [99.2](tm2522115d1_ex99-2.htm) | [Clayton Loan Level Tape Compare Upload](tm2522115d1_ex99-2.htm) |
| [99.3](tm2522115d1_ex99-3.htm) | [Clayton Rating Agency ATR QM Data Fields](tm2522115d1_ex99-3.htm) |
| [99.4](tm2522115d1_ex99-4.htm) | [Clayton ATR QM Upload](tm2522115d1_ex99-4.htm) |
| [99.5](tm2522115d1_ex99-5.htm) | [Clayton Valuations Summary](tm2522115d1_ex99-5.htm) |
| [99.6](tm2522115d1_ex99-6.htm) | [Clayton Conditions Report 2.0](tm2522115d1_ex99-6.htm) |
| [99.7](tm2522115d1_ex99-7.htm) | [Clayton Waived Conditions Summary](tm2522115d1_ex99-7.htm) |
| [99.8](tm2522115d1_ex99-8.htm) | [AMC Diligence, LLC ("AMC") Due Diligence Executive Summary](tm2522115d1_ex99-8.htm) |
| [99.9](tm2522115d1_ex99-9.htm) | [AMC Loan Securitization Report Set](tm2522115d1_ex99-9.htm) |
| [99.10](tm2522115d1_ex99-10.htm) | [Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary](tm2522115d1_ex99-10.htm) |
| [99.11](tm2522115d1_ex99-11.htm) | [Consolidated Analytics Due Diligence Standard Report](tm2522115d1_ex99-11.htm) |
| [99.12](tm2522115d1_ex99-12.htm) | [Consolidated Analytics Rating Agency Grades Summary Report](tm2522115d1_ex99-12.htm) |
| [99.13](tm2522115d1_ex99-13.htm) | [Consolidated Analytics Valuations Report](tm2522115d1_ex99-13.htm) |
| [99.14](tm2522115d1_ex99-14.htm) | [Consolidated Analytics Data Compare Report](tm2522115d1_ex99-14.htm) |

---

## Exhibit 99.1

**Exhibit 99.1**

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

![](tm2522115d1_ex99-1img003.jpg)

 **Due Diligence Narrative Report<br> July 24, 2025**

![](tm2522115d1_ex99-1img004.jpg)

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

---

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

---

SEMT 2025-8 Due Diligence Narrative Report Page \| 1 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](tm2522115d1_ex99-1img006.jpg) | **Chris Turk** | Client Service Manager |

---

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

---

| | | |
|:---|:---|:---|
| ![](tm2522115d1_ex99-1img006.jpg) | **Joe Ozment** | Director of Securitization |

---

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

**Overview**

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 284 residential loans selected for the SEMT 2025-8 transaction.

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

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;&nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | 27 | 9.51% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | 9 | 3.17% |
| &nbsp;&nbsp;Retail | 248 | 87.32% |
| &nbsp;&nbsp;**Total** | **284** | **100.00%** |

---

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

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

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 2 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count<br> Reviewed by<br> Clayton***  | ***Scope Applied*** |
| **Full Review** | 284 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Limited Review** | 15 | Redwood Trust elected to have Clayton conduct a Limited Review in lieu of a Full Review on selected loans. This review was beyond the required minimum sample. The Limited Review consisted of a data capture and document assessment of the Final 1003 (Loan Application), Credit Report, Appraisal, Final HUD-1, Title Policy, Deed of Trust/Mortgage, Note and Purchase Contract. Loan grading was not applied to Limited Review loans. *The Clayton Review Results section of this narrative report does <u>not</u> include any loans from the Limited Review.*<br>If any required documents were missing, Clayton submitted appropriate conditions to Redwood Trust. Redwood Trust was responsible for obtaining any missing documents from its sellers in order to clear document conditions on Limited Reviews. |
| **Total Loan Population** | 299 |  |

---

Sponsor Acquisition Criteria

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

Loan Grading

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

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 3 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

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

Property Valuation Review

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

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

---

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

---

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

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

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

---

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

---

SEMT 2025-8 Due Diligence Narrative Report Page \| 4 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

---

| |
|:---|
| Notice of Right to Cancel (Right of Rescission) adherence if applicable; |
| TIL Disclosure Timing (3/7/3) and disclosure content; |
| TIL APR and Finance charge tolerances; |
| Timeliness of ARM Disclosures (if applicable); |
| Section 32 APR and Points and Fees Thresholds and prohibited practices; |
| Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements; |
| Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling; |
| Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. |

---

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

Clayton evaluated the lender's exclusion of discount points from the 3% points and fees calculation for all loans in this transaction using a 0.2% rate reduction threshold per discount point. However, client reserves the right to review on a case-by- case basis.

---

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

---

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

---

| |
|:---|
| GFE initial disclosure timing and content; |
| Confirmed the file contains the final HUD1 Settlement Statement; |
| GFE to HUD1 evaluation for 0% and 10% fee tolerances; |
| Homeownership Counseling Notice; |
| Affiliated Business Disclosure if applicable. |

---

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 5 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

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

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

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

Data Capture

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

Data Integrity

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

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

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

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

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 6 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

**Data Compare Results**

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

Summary of data compare results**:**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy <br> %** |
| &nbsp;&nbsp;Combined LTV | 25 | 91.20% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | 76 | 73.24% |
| &nbsp;&nbsp;Note Rate | 2 | 99.30% |
| &nbsp;&nbsp;Original Balance | 14 | 95.07% |
| &nbsp;&nbsp;Original LTV | 23 | 91.90% |

---

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

---

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

---

SEMT 2025-8 Due Diligence Narrative Report Page \| 7 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;116 | &nbsp;&nbsp;17 | &nbsp;&nbsp;24 | &nbsp;&nbsp;63 | &nbsp;&nbsp;**220** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;11 | &nbsp;&nbsp;24 | &nbsp;&nbsp;28 | &nbsp;&nbsp;**63** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  | &nbsp;&nbsp;1 |  | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**116** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**49** | &nbsp;&nbsp;**91** | &nbsp;&nbsp;**284** |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;166 | &nbsp;&nbsp;13 | &nbsp;&nbsp;22 | &nbsp;&nbsp;46 | &nbsp;&nbsp;**247** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;15 | &nbsp;&nbsp;9 | &nbsp;&nbsp;13 | &nbsp;&nbsp;**37** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**166** | &nbsp;&nbsp;**28** | &nbsp;&nbsp;**31** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**284** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;265 |  |  | &nbsp;&nbsp;11 | &nbsp;&nbsp;**276** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**265** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**284** |

---

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;A | &nbsp;&nbsp;189 | &nbsp;&nbsp;6 | &nbsp;&nbsp;20 | &nbsp;&nbsp;43 | &nbsp;&nbsp;**258** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;B |  | &nbsp;&nbsp;3 | &nbsp;&nbsp;17 | &nbsp;&nbsp;5 | &nbsp;&nbsp;**25** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;C |  |  | &nbsp;&nbsp;1 |  | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;D |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**189** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**38** | &nbsp;&nbsp;**48** | &nbsp;&nbsp;**284** |

---

SEMT 2025-8 Due Diligence Narrative Report Page \| 8 July 24, 2025

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**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

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

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 9 July 24, 2025

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

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

– Citizenship status <br> – Non- occupant co-borrower

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

---

| |
|:---|
| Maximum loan amount |
| Loan purpose |
| Occupancy |

---

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

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

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

– Initial loan application was in the loan file and was signed by all borrowers <br> – Final loan application was in the loan file and was complete <br> – Information and debts disclosed on loan application aligned with related documentation in the loan file

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

---

| |
|:---|
| Income documentation |
| Verbal and/or written verifications of employments (VVOE, VOE) |
| CPA letter |
| Business licenses |
| Tax transcripts (IRS Form 4506-T) |
| Other documentation in loan file |

---

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

– Required income documentation for all borrowers was present and within required time period <br> – Documents did not appear to have been altered or inconsistent <br> – IRS Form 4506-T

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

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

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

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

▪ Financial statements

▪ Paystubs

▪ W-2s

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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;▪ 1099

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

---

| |
|:---|
| Complete copy of report was in loan file |
| Report was dated within required timeframe |
| All borrowers were included in the report |
| Checked any fraud alerts against related loan file documentation |
| Verified all disclosed mortgage debt on credit report against the loan application (under the schedule of real estate owned) for accurate debt ratio calculation |
| Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation |
| Captured and utilized appropriate credit score for guideline review |

---

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

– Title interest – determined if

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

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

---

| |
|:---|
| Appropriate vestee(s) were listed on title policy |
| Amount of coverage was greater than or equal to the original principal amount of the mortgage |
| Applicable title endorsements were present |
| Checked for any encumbrances, encroachments and other title exceptions affecting the lien identified through the title search; verified that each issues was addressed in the transaction |
| Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable) |
| Captured monthly tax payments in debt ratio calculation |

---

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

---

| |
|:---|
| Funds to close identified and analyzed against borrower's assets |
| Seller contributions did not exceed maximum allowed |
| Subject property, seller and borrower aligned with other loan documentation |
| Disbursements and pay-offs included in debt ratio calculations |
| Loan purpose confirmed |

---

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

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

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– Confirmed that any required insurance was for the:

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

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

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

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

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

---

| |
|:---|
| Confirmed that any required insurance minimum coverage amount and policy period |
| Reviewed for evidence that any required insurance policy premium was paid |
| Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns" |
| Confirmed that the payment amount on any required insurance was included in the debt ratio calculation |

---

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

---

| |
|:---|
| Determined if mortgage insurance is required |
| Captured mortgage insurance name, certificate # and percentage guarantee (when required) |

---

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

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

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

– Social Security inconsistencies <br> – Borrower name variations

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

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

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

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

– Mortgage lender/originator <br> – Loan officer

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 12 July 24, 2025

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**Appendix B: Origination Appraisal Assessment**

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

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

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

---

| |
|:---|
| FNMA 1004/FHLMC 70 – Uniform Residential Appraisal Report. Used for 1-unit properties, units in planned unit developments (detached PUDs) and condominium projects that consist solely of detached dwelling (site condominium) |
| FNMA 1073/FHLMC 465 – Individual Condominium Report. Used to appraise a unit in a condominium project or a condominium unit in a PUD (attached PUD) |
| FNMA 1025/FHLMC 72 – Small Residential Income Property Appraisal Report. Used for all two-to-four unit residential income properties, including two-to-four unit properties in a PUD |
| FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units |
| FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review |
| FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review |

---

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

---

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

---

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

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

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

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

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

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

---

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

---

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

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

---

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

---

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

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

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

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

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

---

| |
|:---|
| Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained |
| Comps used were reasonably recent in transaction date and if not the reason was furnished |
| Comps used were reasonably similar to the subject property and if not an explanation was supplied |
| Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished |
| Adjustments were reviewed and appeared reasonable utilizing the 15% net/25% gross guideline. |

---

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

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

---

| |
|:---|
| Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions |
| Property usage was reviewed for zoning compliance |
| Property utilization was reviewed to determine it was "highest and best use" |
| Neighborhood values were reviewed to determine if declining |
| Market conditions were reviewed to determine indication of possible marketability issues: |

---

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

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

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

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

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

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

---

| |
|:---|
| Physical condition of the property was reviewed to determine that the property condition was average or better |
| Style of property was reviewed to determine if unique property |
| Any health and safety issues were noted and/or remediated |
| Locational and/or environmental concerns adequately addressed if present |

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

F. Disclaimer

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

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

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

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

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

G. Desk Review definitions

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

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

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

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**Appendix C: Regulatory Compliance Review Scope**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 16 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

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

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

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

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

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

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

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

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

---

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

---

SEMT 2025-8 Due Diligence Narrative Report Page \| 17 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

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

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

---

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

---

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

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

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

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

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

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

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

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

---

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

---

SEMT 2025-8 Due Diligence Narrative Report Page \| 18 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

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

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

---

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

---

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

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

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

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

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 19 July 24, 2025

![](tm2522115d1_ex99-1img004.jpg)

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2025 Clayton Services LLC. All rights reserved.

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

SEMT 2025-8 Due Diligence Narrative Report Page \| 20 July 24, 2025

## Exhibit 99.2

**Exhibit 99.2**

**EXHIBIT 99.2 CLAYTON LOAN LEVEL TAPE COMPARE UPLOAD**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| *Loans in Report* | *284* |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409008657 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409008657 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409008657 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409008657 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409008833 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409008833 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409008833 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409008841 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409008879 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409008879 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409008900 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409008900 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409008909 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409008909 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409008982 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409009090 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409009090 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009090 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409009189 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009189 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409009205 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409009205 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409009305 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009314 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009314 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409009520 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409009520 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409009532 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009541 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409009564 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409009564 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409009564 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409011497 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011516 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409011516 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011516 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409011530 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409011532 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011532 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409011631 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409011631 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409011633 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011737 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011752 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011762 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011766 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011924 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011935 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409011977 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012050 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012060 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012084 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012087 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012106 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012106 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012207 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012242 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012244 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012275 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012468 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012473 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012473 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012473 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012478 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012515 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012554 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012577 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012578 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012578 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012604 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409012608 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012608 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012608 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012737 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012748 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012778 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012805 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012843 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409012843 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409012854 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409012970 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013017 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013017 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013017 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013039 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013058 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013079 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013080 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013086 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013193 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013194 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013280 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013280 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013335 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013543 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013598 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013628 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013628 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013639 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013780 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013780 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013794 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409013844 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409013844 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013844 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409013922 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013938 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409013956 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409013965 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014050 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409014050 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014050 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409014104 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014184 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014226 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014250 | XXXXX | Note Rate | XXXXX | XXXXX |
| 409014250 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409014273 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014679 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014690 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409014690 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409014690 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409014898 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015041 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409015042 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409015056 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409015056 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015056 | XXXXX | Original LTV | XXXXX | XXXXX |
| 409015088 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015093 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015106 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015185 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015186 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015660 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015670 | XXXXX | Original Balance | XXXXX | XXXXX |
| 409015686 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015720 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
| 409015926 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409015958 | XXXXX | Combined LTV | XXXXX | XXXXX |
| 409016074 | XXXXX | Debt to Income Ratio (Back) | XXXXX | XXXXX |
|©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

**Exhibit 99.3**

**EXHIBIT 99.3 CLAYTON RATING AGENCY ATR QM DATA FIELDS**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *284* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409008269 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 825 | XXXXX | 6.8867 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008657 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.349 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008785 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1270 | XXXXX | 6.8889 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409008833 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20456.25 | XXXXX | 6.347 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008841 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3267.9 | XXXXX | 6.799 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409008879 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270 | XXXXX | 6.8977 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409008900 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2553.4 | XXXXX | 6.9915 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008909 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.571 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409008982 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4689.54 | XXXXX | 6.7831 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009037 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.7593 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009090 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1866 | XXXXX | 6.8967 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009096 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.892 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009131 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14071.6 | XXXXX | 6.9741 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009189 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.7786 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009200 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14377.92 | XXXXX | 6.4328 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409009205 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1195 | XXXXX | 6.8981 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009305 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.276 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009314 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1160 | XXXXX | 6.7694 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009520 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 22875 | XXXXX | 6.6644 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009532 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.5202 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409009541 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2968.25 | XXXXX | 7.0366 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409009564 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2333.75 | XXXXX | 6.1989 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011446 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 7.3921 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011497 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.2925 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011516 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.6438 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011526 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2465 | XXXXX | 6.9325 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011530 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1330 | XXXXX | 6.7657 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011532 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.8906 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011626 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7780.61 | XXXXX | 7.4632 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011628 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1010 | XXXXX | 6.3813 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409011631 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10512.5 | XXXXX | 6.7691 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409011633 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2670 | XXXXX | 6.919 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011640 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1415 | XXXXX | 6.8905 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011737 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.2621 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011745 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1060 | XXXXX | 6.7689 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011752 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9559 | XXXXX | 6.4908 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011762 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5122 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011764 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1270 | XXXXX | 6.8921 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011766 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.8962 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011777 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011895 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1014 | XXXXX | 6.8941 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011919 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14636.6 | XXXXX | 6.4026 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409011924 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.7614 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409011935 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1520 | XXXXX | 7.0127 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409011959 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1300 | XXXXX | 6.3058 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011972 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.5213 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409011977 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.2865 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012023 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1704 | XXXXX | 6.0497 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012041 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15387.5 | XXXXX | 6.4981 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012050 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.6452 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012057 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4489.93 | XXXXX | 6.6926 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012060 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.631 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012082 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.1431 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012084 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2965 | XXXXX | 6.9794 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012085 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3165 | XXXXX | 6.9159 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012087 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.8341 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012106 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2615 | XXXXX | 6.6482 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012197 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2755 | XXXXX | 6.8924 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012207 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2965 | XXXXX | 6.9314 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012209 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10643.88 | XXXXX | 6.4899 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012242 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1248 | XXXXX | 6.7665 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012244 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 7.1454 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012267 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.521 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012275 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 9195 | XXXXX | 6.9619 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012300 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270.25 | XXXXX | 6.648 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012306 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1470 | XXXXX | 7.2772 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012310 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4262.04 | XXXXX | 6.9246 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012316 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15765 | XXXXX | 7.0486 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012347 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4967 | XXXXX | 6.562 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012427 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5226 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012467 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5124 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012468 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7265 | XXXXX | 6.7962 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012473 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4291.47 | XXXXX | 7.051 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012478 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.4 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012499 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 950 | XXXXX | 6.8912 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012515 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1320 | XXXXX | 7.325 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012554 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.4222 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012576 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.2872 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012577 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 7.0332 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012578 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6590 | XXXXX | 6.4603 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012604 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1450 | XXXXX | 6.5287 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012608 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4325 | XXXXX | 6.5429 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012734 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1820.25 | XXXXX | 6.8609 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012737 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1245 | XXXXX | 6.7686 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012748 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3597.6 | XXXXX | 6.6608 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012778 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2332 | XXXXX | 6.4406 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012791 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2200 | XXXXX | 7.0313 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012805 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3940.5 | XXXXX | 6.7003 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012814 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3295 | XXXXX | 6.6527 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012815 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.2869 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012837 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.9216 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012840 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1100 | XXXXX | 6.7593 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012843 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 164 | XXXXX | 7.2321 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409012854 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.6344 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409012875 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.8177 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012902 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 7.1475 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012967 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.7014 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012970 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.7584 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409012988 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 870 | XXXXX | 7.2654 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013017 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1280 | XXXXX | 7.1508 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013023 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12.65 | XXXXX | 7.1288 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013033 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.7654 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013039 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 23802.4 | XXXXX | 6.4577 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013043 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10265 | XXXXX | 6.7393 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013058 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 130.25 | XXXXX | 6.8857 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013061 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1870 | XXXXX | 7.0256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013068 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 7.0304 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013076 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2170 | XXXXX | 6.804 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013079 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15000 | XXXXX | 7.0128 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013080 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2395 | XXXXX | 6.898 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013082 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10745 | XXXXX | 6.906 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013083 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15000 | XXXXX | 7.1452 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013085 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20009 | XXXXX | 7.3021 | Employed | Employed | Non-Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409013086 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 8225 | XXXXX | 7.0538 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013089 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1847.25 | XXXXX | 6.3339 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013099 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 100 | XXXXX | 6.7099 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013116 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5234.85 | XXXXX | 6.7492 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013142 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.888 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013158 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 907 | XXXXX | 6.89 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013177 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3918.13 | XXXXX | 6.9007 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013180 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1557 | XXXXX | 7.04 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013193 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 24289 | XXXXX | 7.4855 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013194 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.5131 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013211 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3041.66 | XXXXX | 7.9246 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013216 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2020 | XXXXX | 7.1681 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013270 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1417 | XXXXX | 7.3942 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013278 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 7.411 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013280 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1404.2 | XXXXX | 6.6378 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013293 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2225 | XXXXX | 7.1564 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013330 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15000 | XXXXX | 7.0254 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013335 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2095 | XXXXX | 7.1925 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013343 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1375 | XXXXX | 7.027 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013350 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11484 | XXXXX | 6.9743 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013365 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7048.79 | XXXXX | 6.5039 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013369 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 124 | XXXXX | 6.8603 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013450 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1600 | XXXXX | 6.9225 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013502 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1705.25 | XXXXX | 6.5636 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013519 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2020 | XXXXX | 6.8957 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013522 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 7.0453 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013531 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.909 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013540 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.772 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013543 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1640 | XXXXX | 6.278 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013549 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 950 | XXXXX | 6.8945 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013557 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1909 | XXXXX | 7.4107 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013558 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2125.25 | XXXXX | 6.8612 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013574 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2746 | XXXXX | 6.9038 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013598 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13667 | XXXXX | 7.7826 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013602 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 21247 | XXXXX | 7.2771 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013606 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2167.25 | XXXXX | 6.9711 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013620 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 75 | XXXXX | 6.8675 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013621 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1650 | XXXXX | 6.8053 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013628 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1825.25 | XXXXX | 6.5169 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013630 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1960 | XXXXX | 7.1399 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013637 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 16715 | XXXXX | 6.8085 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013639 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12202 | XXXXX | 7.1093 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013647 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1682 | XXXXX | 6.924 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013672 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 22724 | XXXXX | 7.541 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013758 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 10012.12 | XXXXX | 6.7595 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409013769 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3350 | XXXXX | 7.0211 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013780 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 7.0301 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013782 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1635.25 | XXXXX | 6.6643 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013785 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1890.25 | XXXXX | 6.5893 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013794 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1825.25 | XXXXX | 6.749 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013812 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.6578 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013831 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 51.25 | XXXXX | 6.6296 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409013844 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1560 | XXXXX | 6.9873 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013852 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1545.25 | XXXXX | 6.899 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013869 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2270.25 | XXXXX | 7.0556 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013902 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6820.72 | XXXXX | 6.9557 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013914 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 7.2777 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013916 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2331 | XXXXX | 7.1915 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013918 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15588.25 | XXXXX | 6.913 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013922 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2919 | XXXXX | 7.3304 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409013931 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1259 | XXXXX | 6.7642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013938 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1907 | XXXXX | 6.863 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013956 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2045 | XXXXX | 7.2074 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409013965 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 7.4376 | Unemployed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013972 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1735 | XXXXX | 6.8526 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013978 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1920 | XXXXX | 7.148 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409013993 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1770 | XXXXX | 7.2902 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409013994 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1935 | XXXXX | 7.514 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014002 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1825 | XXXXX | 7.1602 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409014003 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 32416.34 | XXXXX | 7.3281 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014009 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1909 | XXXXX | 6.9383 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014050 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14878.2 | XXXXX | 6.9418 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014052 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1915 | XXXXX | 6.9089 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014062 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 24584.38 | XXXXX | 7.5537 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014084 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1048.81 | XXXXX | 7.5208 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014104 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1540 | XXXXX | 6.8204 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014114 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 13757 | XXXXX | 7.6764 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014132 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1804 | XXXXX | 7.0846 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014156 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1935 | XXXXX | 6.7795 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014182 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1575 | XXXXX | 7.354 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014184 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.5156 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014213 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1550 | XXXXX | 7.1207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014226 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 7.2993 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014228 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 31560 | XXXXX | 7.3958 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014250 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 395 | XXXXX | 7.2884 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014273 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 26214.2 | XXXXX | 7.4428 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014294 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1890 | XXXXX | 7.393 | Retired | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014305 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.8894 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409014672 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1705 | XXXXX | 7.1456 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014679 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 6739 | XXXXX | 6.945 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014690 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 18788.76 | XXXXX | 6.5052 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409014691 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10948.75 | XXXXX | 6.8313 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014898 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 7.3907 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409014906 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 6.9553 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015012 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.8934 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015013 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 20740 | XXXXX | 6.8186 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015014 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 7.0264 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015016 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3435 | XXXXX | 6.8278 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015017 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.3846 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015018 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 10907.5 | XXXXX | 6.3499 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015019 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.7836 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409015022 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.6478 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015026 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.5178 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015027 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 4560 | XXXXX | 6.5536 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015028 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12595 | XXXXX | 6.3784 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015031 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3822.6 | XXXXX | 6.9381 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015032 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3445 | XXXXX | 6.5359 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015033 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 27870 | XXXXX | 6.3767 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015034 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.6429 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015035 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 17045 | XXXXX | 6.368 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015036 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.778 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015038 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 5173 | XXXXX | 6.5581 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015039 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.6561 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015040 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1645 | XXXXX | 6.642 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015041 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11475 | XXXXX | 6.874 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015042 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14275 | XXXXX | 6.6198 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015044 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.9164 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015045 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.6414 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015046 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 7.0123 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015047 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.8945 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015048 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 7754.5 | XXXXX | 7.8227 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015051 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1845 | XXXXX | 6.6447 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015053 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1710 | XXXXX | 6.9016 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015056 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 3898 | XXXXX | 7.0761 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015088 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1690 | XXXXX | 6.9029 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015093 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 7.0247 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015098 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1125 | XXXXX | 6.9196 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015106 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 979.25 | XXXXX | 6.7685 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015120 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 14911.73 | XXXXX | 6.8354 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409015132 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 7.0209 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015150 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1945 | XXXXX | 7.2406 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409015160 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1975.25 | XXXXX | 6.49 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015185 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 11315 | XXXXX | 6.6217 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015186 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.6325 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015203 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.9021 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015212 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 32845 | XXXXX | 7.4581 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015215 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 5195 | XXXXX | 6.6328 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015426 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 12365.1 | XXXXX | 6.4213 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409015428 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 23665 | XXXXX | 6.8965 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015434 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 7.1422 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015455 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 3207 | XXXXX | 6.7311 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015478 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1725.25 | XXXXX | 6.8966 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015555 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1938 | XXXXX | 7.2707 | Employed | Employed | Non-Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409015611 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1725.25 | XXXXX | 7.139 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015613 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1670.25 | XXXXX | 6.9274 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015650 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1670 | XXXXX | 6.9045 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015660 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 27216.56 | XXXXX | 6.7594 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015670 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1800 | XXXXX | 6.6414 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015686 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.75 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015720 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1830 | XXXXX | 6.9086 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015754 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 15000 | XXXXX | 6.9466 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409015772 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 34055.5 | XXXXX | 7.6787 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015784 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1919.5 | XXXXX | 7.0218 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015787 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2631.34 | XXXXX | 6.3684 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015853 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1698 | XXXXX | 7.5175 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015856 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2165 | XXXXX | 7.2264 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015906 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2290 | XXXXX | 7.3176 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015926 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1868 | XXXXX | 6.9263 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015949 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 7.6278 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015957 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1720 | XXXXX | 7.3095 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015958 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1620 | XXXXX | 7.396 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015962 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2070 | XXXXX | 7.8076 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015965 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1620 | XXXXX | 7.6555 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015972 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 140 | XXXXX | 7.2545 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015977 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2145 | XXXXX | 7.532 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015983 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1620 | XXXXX | 7.4011 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409015984 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1641 | XXXXX | 7.2777 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409015994 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 1680 | XXXXX | 7.334 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409015995 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | Yes | Yes | 2020 | XXXXX | 7.402 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016002 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 2020 | XXXXX | 7.8044 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409016074 | QM: Safe Harbor (APOR) | No | Yes | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 7.4071 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |

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## Exhibit 99.4

**Exhibit 99.4**

**EXHIBIT 99.4 CLAYTON ATR QM UPLOAD**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **ATR QM Upload** | **ATR QM Upload** |
| *Loans in Report:* | *284* |

---

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| 409008269 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8867 | Yes | Yes | 0.086 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.84 | 42.84 | 42.84 | 42.84 | 42.84 | 42.84 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409008657 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3490 | Yes | Yes | 0.147 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.19 | 28.19 | 28.19 | 28.19 | 28.19 | 28.19 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Written VOE - 24 months; | Written VOE - 24 months; | (No Data) | (No Data) |
| 409008785 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8889 | No | No | 0.062 | 0.062 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.53 | 47.77 | 45.53 | 47.77 | 47.77 | 47.77 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409008833 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3470 | Yes | Yes | 2.347 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.64 | 30.65 | 30.64 | 30.65 | 30.65 | 30.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409008841 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7990 | No | No | 0.396 | 0.396 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.97 | 43.8 | 43.97 | 43.8 | 43.8 | 43.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months; | (No Data) | (No Data) | (No Data) |
| 409008879 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8977 | Yes | Yes | 0.282 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.97 | 32.97 | 32.97 | 32.97 | 32.97 | 32.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409008900 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9915 | Yes | Yes | 0.302 | 0.302 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.03 | 26.83 | 33.03 | 26.83 | 26.83 | 26.83 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409008909 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5710 | Yes | Yes | 0.17 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.79 | 39 | 39.79 | 39 | 39 | 39 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 37 months; | (No Data) | (No Data) |
| 409008982 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7831 | No | No | 0.371 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.73 | 44.86 | 44.73 | 44.86 | 44.86 | 44.86 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009037 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7593 | Yes | Yes | 0.06 | 0.032 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.31 | 33.2 | 33.31 | 33.2 | 33.2 | 33.2 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409009090 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8967 | Yes | Yes | 0.204 | 0.204 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.61 | 27.49 | 30.61 | 27.49 | 27.49 | 27.49 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409009096 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8920 | Yes | Yes | 0.118 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.58 | 41.58 | 41.58 | 41.58 | 41.58 | 41.58 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | 1099 - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409009131 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9741 | No | No | 0.989 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.61 | 43.42 | 43.61 | 43.42 | 43.42 | 43.42 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 16 months; | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; |
| 409009189 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7786 | Yes | Yes | 0.092 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.49 | 32.61 | 40.49 | 32.61 | 32.61 | 32.61 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009200 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.4328 | No | No | 1.164 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.55 | 49.64 | 49.55 | 49.64 | 49.64 | 49.64 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409009205 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8981 | Yes | Yes | 0.12 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.69 | 41.32 | 42.69 | 41.32 | 41.32 | 41.32 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 48 months;<br> W2 - 48 months;<br> Written VOE - 5 months; | (No Data) | (No Data) | (No Data) |
| 409009305 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2760 | Yes | Yes | 0.122 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.07 | 38.07 | 38.07 | 38.07 | 38.07 | 38.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Written VOE - 24 months; | (No Data) | (No Data) |
| 409009314 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7694 | Yes | Yes | 0.126 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.77 | 38.89 | 42.77 | 38.89 | 38.89 | 38.89 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409009520 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6644 | No | No | 1.554 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | 47.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409009532 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5202 | Yes | Yes | 0.121 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.41 | 38.94 | 42.41 | 38.94 | 38.94 | 38.94 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409009541 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0366 | Yes | Yes | 0.353 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.41 | 39.22 | 39.41 | 39.22 | 39.22 | 39.22 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | Paystub - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409009564 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.1989 | Yes | Yes | 0.257 | 0.257 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.63 | 32.87 | 42.63 | 32.87 | 32.87 | 32.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3921 | No | No | 0.113 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.95 | 43.05 | 45.95 | 43.05 | 43.05 | 43.05 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011497 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2925 | Yes | Yes | 0.149 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.51 | 17.51 | 17.51 | 17.51 | 17.51 | 17.51 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> W2 - 24 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 409011516 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6438 | Yes | Yes | 0.13 | 0.130 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.48 | 41.48 | 41.48 | 41.48 | 41.48 | 41.48 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 2 months; | 1099 - 36 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409011526 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9325 | Yes | Yes | 0.128 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.26 | 40.49 | 40.26 | 40.49 | 40.49 | 40.49 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) | (No Data) |
| 409011530 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7657 | Yes | Yes | 0.099 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.11 | 41.11 | 41.11 | 41.11 | 41.11 | 41.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 12 months; | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409011532 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8906 | Yes | Yes | 0.118 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.64 | 42.07 | 36.64 | 42.07 | 42.07 | 42.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409011626 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4632 | Yes | Yes | 0.803 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.66 | 38.67 | 38.66 | 38.67 | 38.67 | 38.67 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409011628 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3813 | Yes | Yes | 0.099 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.11 | 26.88 | 25.11 | 26.88 | 26.88 | 26.88 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011631 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7691 | No | No | 1.243 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.88 | 47.26 | 45.88 | 47.26 | 47.26 | 47.26 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011633 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9190 | Yes | Yes | 0.212 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.49 | 41.74 | 41.49 | 41.74 | 41.74 | 41.74 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) |
| 409011640 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8905 | Yes | Yes | 0.053 | 0.053 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 4.61 | 6.14 | 4.61 | 6.14 | 6.14 | 6.14 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 409011737 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2621 | Yes | Yes | 0.086 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.05 | 36.99 | 38.05 | 36.99 | 36.99 | 36.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 25 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409011745 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7689 | No | No | 0.121 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.57 | 44.07 | 44.57 | 44.07 | 44.07 | 44.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 14 months; | (No Data) | (No Data) | (No Data) |
| 409011752 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.4908 | No | No | 1.095 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.71 | 49.58 | 45.71 | 49.58 | 49.58 | 49.58 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409011762 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5122 | Yes | Yes | 0.089 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.35 | 30.7 | 31.35 | 30.7 | 30.7 | 30.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011764 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8921 | Yes | Yes | 0.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.01 | 39.01 | 39.01 | 39.01 | 39.01 | 39.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 0 months;<br> Written VOE - 26 months; | Award Letter - 1 months; | (No Data) | (No Data) |
| 409011766 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8962 | Yes | Yes | 0.085 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.58 | 40.12 | 36.58 | 40.12 | 40.12 | 40.12 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 26 months; |
| 409011777 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4060 | Yes | Yes | 0.149 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.41 | 42.39 | 42.41 | 42.39 | 42.39 | 42.39 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| 409011895 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8941 | Yes | Yes | 0.102 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.09 | 38.02 | 40.09 | 38.02 | 38.02 | 38.02 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011919 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4026 | Yes | Yes | 1.436 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.56 | 29.56 | 29.56 | 29.56 | 29.56 | 29.56 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011924 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7614 | No | No | 0.055 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.52 | 46.34 | 46.52 | 46.34 | 46.34 | 46.34 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011935 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0127 | Yes | Yes | 0.091 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.23 | 34.2 | 34.23 | 34.2 | 34.2 | 34.2 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011959 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3058 | Yes | Yes | 0.135 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.28 | 17.28 | 17.28 | 17.28 | 17.28 | 17.28 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409011972 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5213 | Yes | Yes | 0.141 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.36 | 33.31 | 33.36 | 33.31 | 33.31 | 33.31 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409011977 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2865 | Yes | Yes | 0.088 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.22 | 35.24 | 38.22 | 35.24 | 35.24 | 35.24 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012023 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.0497 | Yes | Yes | 0.188 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.23 | 39.19 | 39.23 | 39.19 | 39.19 | 39.19 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012041 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4981 | Yes | Yes | 1.209 | 1.209 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.61 | 42.01 | 41.61 | 42.01 | 42.01 | 42.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012050 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6452 | Yes | Yes | 0.163 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.49 | 40.5 | 40.49 | 40.5 | 40.5 | 40.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012057 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6926 | Yes | Yes | 0.561 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.47 | 23.8 | 22.47 | 23.8 | 23.8 | 23.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012060 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6310 | Yes | Yes | 0.055 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.39 | 31.56 | 27.39 | 31.56 | 31.56 | 31.56 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012082 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.1431 | Yes | Yes | 0.114 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.24 | 19.16 | 15.24 | 19.16 | 19.16 | 19.16 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 3 months; | (No Data) | (No Data) |
| 409012084 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9794 | Yes | Yes | 0.348 | 0.300 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.39 | 27.88 | 29.36 | 27.88 | 27.88 | 27.88 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012085 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9159 | No | No | 0.361 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.81 | 47.42 | 47.81 | 47.42 | 47.42 | 47.42 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012087 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8341 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.9 | 36.9 | 36.9 | 36.9 | 36.9 | 36.9 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012106 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6482 | Yes | Yes | 0.297 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.94 | 38.15 | 37.94 | 38.15 | 38.15 | 38.15 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012197 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8924 | Yes | Yes | 0.191 | 0.185 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.51 | 38.81 | 37.51 | 38.81 | 38.81 | 38.81 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012207 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9314 | Yes | Yes | 0.311 | 0.020 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.93 | 24.93 | 24.93 | 24.93 | 24.93 | 24.93 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409012209 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4899 | Yes | Yes | 1.064 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.09 | 39.09 | 39.09 | 39.09 | 39.09 | 39.09 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 36 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 48 months;<br> W2 - 36 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 409012242 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7665 | Yes | Yes | 0.116 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27 | 25.41 | 27 | 25.41 | 25.41 | 25.41 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Written VOE - 26 months; | Paystub - 1 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012244 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1454 | Yes | Yes | 0.131 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.74 | 40.74 | 40.74 | 40.74 | 40.74 | 40.74 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012267 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5210 | Yes | Yes | 0.072 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.59 | 39.47 | 39.59 | 39.47 | 39.47 | 39.47 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 13 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012275 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9619 | Yes | Yes | 0.832 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.52 | 41.52 | 41.52 | 41.52 | 41.52 | 41.52 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012300 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6480 | Yes | Yes | 0.19 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.85 | 39.08 | 38.85 | 39.08 | 39.08 | 39.08 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 3 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409012306 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2772 | No | No | 0.161 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.1 | 44.11 | 44.1 | 44.11 | 44.11 | 44.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 1 months;<br> Personal Tax Return - 24 months; | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 5 months; | (No Data) | (No Data) |
| 409012310 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9246 | Yes | Yes | 0.45 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.6 | 42.89 | 42.6 | 42.89 | 42.89 | 42.89 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Written VOE - 24 months; | (No Data) | (No Data) |
| 409012316 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0486 | Yes | Yes | 1.584 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.75 | 36.76 | 36.75 | 36.76 | 36.76 | 36.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012347 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5620 | Yes | Yes | 0.556 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.27 | 40.11 | 40.27 | 40.11 | 40.11 | 40.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 10 months; | (No Data) | (No Data) |
| 409012427 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5226 | Yes | Yes | 0.161 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.7 | 41.05 | 40.7 | 41.05 | 41.05 | 41.05 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months; | Paystub - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012467 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5124 | Yes | Yes | 0.091 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.67 | 35.67 | 35.67 | 35.67 | 35.67 | 35.67 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 27 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012468 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7962 | Yes | Yes | 0.398 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.6 | 41.63 | 41.6 | 41.63 | 41.63 | 41.63 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 5 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409012473 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0510 | Yes | Yes | 0.422 | 0.461 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.52 | 35.07 | 39.52 | 35.07 | 35.07 | 35.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012478 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4000 | Yes | Yes | 0.168 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.73 | 39.72 | 39.73 | 39.72 | 39.72 | 39.72 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012499 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8912 | Yes | Yes | 0.104 | 0.056 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.23 | 32.12 | 32.23 | 32.12 | 32.12 | 32.12 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012515 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3250 | Yes | Yes | 0.099 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.93 | 23.97 | 27.93 | 23.97 | 23.97 | 23.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012554 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4222 | Yes | Yes | 0.092 | 0.092 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.51 | 25.21 | 31.51 | 25.21 | 25.21 | 25.21 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012576 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.2872 | No | No | 0.097 | 0.097 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.63 | 44.86 | 43.63 | 44.86 | 44.86 | 44.86 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409012577 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0332 | Yes | Yes | 0.084 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.47 | 20.45 | 20.47 | 20.45 | 20.45 | 20.45 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 27 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409012578 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4603 | Yes | Yes | 0.807 | 0.807 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.77 | 22.77 | 22.77 | 22.77 | 22.77 | 22.77 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409012604 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5287 | Yes | Yes | 0.114 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.72 | 35.89 | 35.72 | 35.89 | 35.89 | 35.89 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012608 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5429 | Yes | Yes | 0.513 | 0.513 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.47 | 32.51 | 32.47 | 32.51 | 32.51 | 32.51 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409012734 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8609 | Yes | Yes | 0.101 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41 | 41.39 | 41 | 41.39 | 41.39 | 41.39 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 28 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012737 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7686 | Yes | Yes | 0.089 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.16 | 30.12 | 27.16 | 30.12 | 30.12 | 30.12 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| 409012748 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6608 | Yes | Yes | 0.324 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.24 | 17.24 | 17.24 | 17.24 | 17.24 | 17.24 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012778 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4406 | Yes | Yes | 0.227 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27 | 27.13 | 27 | 27.13 | 27.13 | 27.13 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012791 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0313 | Yes | Yes | 0.239 | 0.239 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.72 | 39.77 | 39.72 | 39.77 | 39.77 | 39.77 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012805 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7003 | Yes | Yes | 0.43 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.12 | 31.02 | 31.1 | 31.02 | 31.02 | 31.02 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409012814 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6527 | Yes | Yes | 0.166 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.41 | 35.4 | 35.41 | 35.4 | 35.4 | 35.4 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 27 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012815 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2869 | Yes | Yes | 0.059 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.41 | 42.74 | 41.41 | 42.74 | 42.74 | 42.74 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012837 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9216 | Yes | Yes | 0.123 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.97 | 8.24 | 8.97 | 8.24 | 8.24 | 8.24 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409012840 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7593 | Yes | Yes | 0.057 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.91 | 35.91 | 35.91 | 35.91 | 35.91 | 35.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012843 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2321 | No | No | 0.016 | 0.125 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.26 | 43.97 | 44.26 | 43.97 | 43.97 | 43.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012854 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6344 | Yes | Yes | 0.1 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.86 | 35.01 | 34.86 | 35.01 | 35.01 | 35.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409012875 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.8177 | Yes | Yes | 0.182 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.1 | 23.46 | 23.1 | 23.46 | 23.46 | 23.46 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409012902 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1475 | Yes | Yes | 0.136 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.65 | 36.11 | 38.65 | 36.11 | 36.11 | 36.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409012967 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7014 | No | No | 0.083 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.68 | 44.34 | 44.68 | 44.34 | 44.34 | 44.34 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 27 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012970 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7584 | Yes | Yes | 0.068 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.35 | 37.35 | 37.35 | 37.35 | 37.35 | 37.35 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409012988 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2654 | Yes | Yes | 0.083 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.07 | 32.72 | 33.07 | 32.72 | 32.72 | 32.72 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409013017 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1508 | No | No | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.83 | 48.83 | 48.83 | 48.83 | 48.83 | 48.83 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013023 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1288 | Yes | Yes | 0.001 | 0.001 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.13 | 20.76 | 21.13 | 20.76 | 20.76 | 20.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) | (No Data) |
| 409013033 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7654 | Yes | Yes | 0.102 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.25 | 42.38 | 42.25 | 42.38 | 42.38 | 42.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013039 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4577 | Yes | Yes | 2.165 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.7 | 38.7 | 38.7 | 38.7 | 38.7 | 38.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 4 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 4 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409013043 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7393 | No | No | 0.738 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.97 | 44.01 | 44.97 | 44.01 | 44.01 | 44.01 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013058 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8857 | Yes | Yes | 0.016 | 0.016 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.21 | 20.74 | 36.21 | 20.74 | 20.74 | 20.74 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013061 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0256 | No | No | 0.17 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.35 | 47.35 | 47.35 | 47.35 | 47.35 | 47.35 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013068 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0304 | No | No | 0.172 | 0.172 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.8 | 47.84 | 48.8 | 47.84 | 47.84 | 47.84 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 2 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | Award Letter - 1 months; | (No Data) |
| 409013076 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8040 | No | No | 0.183 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.69 | 46.69 | 46.69 | 46.69 | 46.69 | 46.69 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013079 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0128 | Yes | Yes | 0.974 | 0.975 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.97 | 9.8 | 10.97 | 9.8 | 9.8 | 9.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | Personal Tax Return - 12 months; | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 24 months;<br> Personal Tax Return - 24 months; | (No Data) |
| 409013080 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8980 | No | No | 0.172 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.78 | 46.41 | 44.78 | 46.41 | 46.41 | 46.41 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 4 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| 409013082 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9060 | Yes | Yes | 1.156 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.88 | 41.27 | 41.88 | 41.27 | 41.27 | 41.27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013083 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1452 | No | No | 1.508 | 1.508 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.81 | 46.38 | 46.81 | 46.38 | 46.38 | 46.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months;<br> Personal Tax Return - 12 months; | 1099 - 24 months;<br> Award Letter - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409013085 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3021 | Yes | Yes | 1.326 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.97 | 29.97 | 29.97 | 29.97 | 29.97 | 29.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409013086 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0538 | Yes | Yes | 0.615 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.48 | 19.91 | 20.48 | 19.91 | 19.91 | 19.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 3 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409013089 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3339 | Yes | Yes | 0.155 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.88 | 41.86 | 40.88 | 41.86 | 41.86 | 41.86 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013099 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7099 | No | No | 0.01 | 0.010 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.95 | 49.95 | 49.95 | 49.95 | 49.95 | 49.95 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013116 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7492 | Yes | Yes | 0.384 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.1 | 42 | 42.1 | 42 | 42 | 42 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409013142 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8880 | Yes | Yes | 0.033 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.85 | 28.03 | 33.85 | 28.03 | 28.03 | 28.03 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 7 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409013158 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8900 | Yes | Yes | 0.07 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.09 | 39 | 41.09 | 39 | 39 | 39 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409013177 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9007 | Yes | Yes | 0.233 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.39 | 21.84 | 21.39 | 21.84 | 21.84 | 21.84 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013180 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0400 | Yes | Yes | 0.171 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.2 | 30.1 | 30.2 | 30.1 | 30.1 | 30.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409013193 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4855 | No | No | 2.124 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.34 | 48.35 | 48.34 | 48.35 | 48.35 | 48.35 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013194 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5131 | Yes | Yes | 0.126 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.1 | 29.1 | 29.1 | 29.1 | 29.1 | 29.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409013211 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.9246 | Yes | Yes | 0.365 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.04 | 39.84 | 40.04 | 39.84 | 39.84 | 39.84 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409013216 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1681 | No | No | 0.205 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.36 | 44.54 | 44.36 | 44.54 | 44.54 | 44.54 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 12 months;<br> Written VOE - 27 months; | Award Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409013270 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3942 | No | No | 0.052 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.98 | 43.72 | 44.98 | 43.72 | 43.72 | 43.72 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> IRS Transcripts – W2(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409013278 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4110 | No | No | 0.188 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.49 | 43.5 | 43.49 | 43.5 | 43.5 | 43.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409013280 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6378 | Yes | Yes | 0.121 | 0.121 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.21 | 29.76 | 31.21 | 29.76 | 29.76 | 29.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013293 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1564 | Yes | Yes | 0.19 | 0.190 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.89 | 29.5 | 31.89 | 29.5 | 29.5 | 29.5 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013330 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0254 | Yes | Yes | 1.351 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.95 | 41.11 | 40.95 | 41.11 | 41.1 | 41.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013335 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1925 | No | No | 0.23 | 0.230 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.7 | 48.7 | 48.7 | 48.7 | 48.7 | 48.7 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013343 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0270 | No | No | 0.09 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.93 | 45.93 | 45.93 | 45.93 | 45.93 | 45.93 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 24 months;<br> CPA Letter with Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 0 months;<br> P & L - 15 months;<br> Personal Tax Return - 36 months; | (No Data) | (No Data) | (No Data) |
| 409013350 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9743 | No | No | 0.887 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.13 | 46.86 | 46.13 | 46.86 | 46.86 | 46.86 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | (No Data) | Paystub - 27 months;<br> W2 - 24 months; | Paystub - 27 months;<br> W2 - 24 months; | Award Letter - 1 months; | (No Data) |
| 409013365 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5039 | No | No | 0.614 | 0.614 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.62 | 44.67 | 44.62 | 44.67 | 44.67 | 44.67 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013369 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8603 | Yes | Yes | 0.008 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.75 | 29.8 | 31.75 | 29.8 | 29.8 | 29.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 12 months; | (No Data) | (No Data) | (No Data) |
| 409013450 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9225 | No | No | 0.101 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.54 | 49.58 | 49.54 | 49.58 | 49.58 | 49.58 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013502 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5636 | Yes | Yes | 0.213 | 0.213 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.99 | 28.1 | 28.99 | 28.1 | 28.1 | 28.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013519 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8957 | No | No | 0.176 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.84 | 46.84 | 46.84 | 46.84 | 46.84 | 46.84 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409013522 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0453 | Yes | Yes | 0.198 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.07 | 27.07 | 27.07 | 27.07 | 27.07 | 27.07 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 3 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | (No Data) | (No Data) |
| 409013531 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9090 | Yes | Yes | 0.16 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.74 | 41.21 | 42.74 | 41.21 | 41.21 | 41.21 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013540 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7720 | Yes | Yes | 0.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.34 | 38.26 | 38.34 | 38.26 | 38.26 | 38.26 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 3 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013543 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.2780 | Yes | Yes | 0.159 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.04 | 28.98 | 29.04 | 28.98 | 28.98 | 28.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months; | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 27 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013549 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8945 | Yes | Yes | 0.1 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.2 | 41.85 | 41.2 | 41.85 | 41.85 | 41.85 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 2 months; | (No Data) | (No Data) |
| 409013557 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4107 | Yes | Yes | 0.195 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.06 | 41.66 | 41.06 | 41.66 | 41.66 | 41.66 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 16 months; | (No Data) | (No Data) |
| 409013558 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8612 | No | No | 0.15 | 0.150 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.45 | 49.45 | 49.45 | 49.45 | 49.45 | 49.45 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013574 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9038 | Yes | Yes | 0.251 | 0.251 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.63 | 30.63 | 30.63 | 30.63 | 30.63 | 30.63 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409013598 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.7826 | Yes | Yes | 1.307 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.26 | 33.3 | 33.26 | 33.3 | 33.3 | 33.3 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013602 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2771 | Yes | Yes | 1.618 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.1 | 23.1 | 23.1 | 23.1 | 23.1 | 23.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013606 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9711 | Yes | Yes | 0.181 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.21 | 26.27 | 26.21 | 26.27 | 26.27 | 26.27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409013620 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8675 | Yes | Yes | 0.008 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.23 | 34.23 | 34.23 | 34.23 | 34.23 | 34.23 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 15 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013621 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8053 | Yes | Yes | 0.192 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.87 | 42.53 | 42.87 | 42.53 | 42.53 | 42.53 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months; | 1099 - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409013628 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5169 | Yes | Yes | 0.139 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.4 | 37.1 | 37.4 | 37.1 | 37.1 | 37.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409013630 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1399 | Yes | Yes | 0.079 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.8 | 35.73 | 35.8 | 35.73 | 35.73 | 35.73 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409013637 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8085 | No | No | 1.381 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.16 | 43.74 | 43.16 | 43.74 | 43.74 | 43.74 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409013639 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1093 | Yes | Yes | 1.066 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.7 | 31.7 | 31.7 | 31.7 | 31.7 | 31.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 27 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 28 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013647 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9240 | Yes | Yes | 0.164 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.5 | 38.71 | 39.5 | 38.71 | 38.71 | 38.71 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013672 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5410 | Yes | Yes | 1.344 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.12 | 30.79 | 31.12 | 30.79 | 30.79 | 30.79 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013758 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7595 | Yes | Yes | 1.057 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.02 | 42.56 | 42.02 | 42.56 | 42.56 | 42.56 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 12 months; | IRS Transcripts – W2(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409013769 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0211 | Yes | Yes | 0.331 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42 | 41.64 | 42 | 41.64 | 41.64 | 41.64 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 25 months; | (No Data) | (No Data) |
| 409013780 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0301 | Yes | Yes | 0.131 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.93 | 26.38 | 25.93 | 26.38 | 26.38 | 26.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409013782 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6643 | Yes | Yes | 0.09 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.16 | 35.02 | 34.16 | 35.02 | 35.02 | 35.02 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409013785 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5893 | Yes | Yes | 0.057 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.5 | 15.42 | 15.5 | 15.42 | 15.42 | 15.42 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013794 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7490 | Yes | Yes | 0.213 | 0.250 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.44 | 32.72 | 30.44 | 32.72 | 32.72 | 32.72 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013812 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6578 | Yes | Yes | 0.099 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.3 | 24.3 | 24.3 | 24.3 | 24.3 | 24.3 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 26 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013831 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6296 | Yes | Yes | 0.005 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.29 | 26.22 | 26.29 | 26.22 | 26.22 | 26.22 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409013844 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9873 | Yes | Yes | 0.104 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.51 | 38.51 | 38.51 | 38.51 | 38.51 | 38.51 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 3 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013852 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8990 | No | No | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.71 | 44.72 | 44.71 | 44.72 | 44.72 | 44.72 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409013869 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0556 | Yes | Yes | 0.212 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.56 | 41.56 | 41.56 | 41.56 | 41.56 | 41.56 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409013902 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9557 | Yes | Yes | 0.665 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.97 | 32.97 | 32.97 | 32.97 | 32.97 | 32.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409013914 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2777 | No | No | 0.231 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | 49.59 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months; | (No Data) | (No Data) |
| 409013916 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1915 | No | No | 0.282 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.28 | 44.27 | 44.28 | 44.27 | 44.27 | 44.27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | (No Data) | (No Data) |
| 409013918 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9130 | No | No | 1.317 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.06 | 49.01 | 49.06 | 49.01 | 49.01 | 49.01 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | CPA Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | Paystub - 2 months;<br> W2 - 36 months;<br> Written VOE - 19 months; | (No Data) | (No Data) |
| 409013922 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3304 | No | No | 0.175 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.6 | 46 | 45.6 | 46 | 46 | 46 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Personal Tax Return - 24 months; | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | 1099 - 12 months;<br> Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | 1099 - 12 months;<br> Award Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; |
| 409013931 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7642 | Yes | Yes | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.18 | 42.18 | 42.18 | 42.18 | 42.18 | 42.18 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409013938 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8630 | Yes | Yes | 0.156 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.66 | 38.66 | 38.66 | 38.66 | 38.66 | 38.66 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) | (No Data) |
| 409013956 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2074 | No | No | 0.136 | 0.136 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.85 | 48.5 | 47.85 | 48.5 | 48.5 | 48.5 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013965 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4376 | Yes | Yes | 0.157 | 0.135 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43 | 28.87 | 43 | 28.87 | 28.87 | 28.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months; | (No Data) | (No Data) |
| 409013972 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8526 | Yes | Yes | 0.199 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.95 | 33.95 | 33.95 | 33.95 | 33.95 | 33.95 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409013978 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1480 | Yes | Yes | 0.182 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.3 | 33.88 | 35.3 | 33.88 | 33.88 | 33.88 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409013993 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2902 | No | No | 0.173 | 0.173 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.61 | 46.66 | 46.61 | 46.66 | 46.66 | 46.66 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 24 months;<br> Paystub - 2 months;<br> Written VOE - 24 months; | Award Letter - 24 months; | (No Data) | (No Data) |
| 409013994 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5140 | Yes | Yes | 0.118 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.54 | 35.54 | 35.54 | 35.54 | 35.54 | 35.54 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409014002 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1602 | No | No | 0.192 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.65 | 48.59 | 48.65 | 48.59 | 48.59 | 48.59 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Lease Agreement - 12 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Award Letter - 12 months;<br> Business Tax Return - 12 months; | (No Data) | (No Data) |
| 409014003 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3281 | Yes | Yes | 2.029 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.73 | 42.39 | 42.73 | 42.39 | 42.39 | 42.39 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409014009 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9383 | Yes | Yes | 0.213 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.1 | 25.15 | 25.1 | 25.15 | 25.15 | 25.15 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409014050 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9418 | Yes | No | 1.678 | 1.678 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.97 | 33.6 | 43.97 | 33.6 | 33.6 | 33.6 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | Paystub - 2 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409014052 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9089 | Yes | Yes | 0.214 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.62 | 41.53 | 39.62 | 41.53 | 41.53 | 41.53 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409014062 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5537 | Yes | Yes | 2.569 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.91 | 42.71 | 42.91 | 42.71 | 42.71 | 42.71 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 409014084 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.5208 | No | No | 0.12 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | 1099 - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 3 months; | (No Data) | (No Data) |
| 409014104 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8204 | Yes | Yes | 0.177 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.77 | 26.77 | 26.77 | 26.77 | 26.77 | 26.77 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409014114 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.6764 | Yes | Yes | 1.368 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.98 | 36.98 | 35.98 | 36.98 | 36.98 | 36.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 4 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409014132 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0846 | Yes | Yes | 0.122 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.36 | 42.44 | 42.36 | 42.44 | 42.44 | 42.44 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409014156 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7795 | Yes | Yes | 0.16 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.7 | 33.71 | 33.7 | 33.71 | 33.71 | 33.71 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409014182 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3540 | No | No | 0.178 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.08 | 46.36 | 46.08 | 46.36 | 46.36 | 46.36 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> Written VOE - 27 months; | Personal Tax Return - 12 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409014184 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5156 | Yes | Yes | 0.122 | 0.122 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.82 | 26.82 | 26.82 | 26.82 | 26.82 | 26.82 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 4 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409014213 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1207 | No | No | 0.178 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.39 | 46.93 | 45.39 | 46.93 | 46.93 | 46.93 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409014226 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2993 | Yes | Yes | 0.072 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.05 | 27.99 | 34.05 | 27.99 | 27.99 | 27.99 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) | (No Data) | (No Data) |
| 409014228 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3958 | No | No | 2.444 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.91 | 49.91 | 49.91 | 49.91 | 49.91 | 49.91 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Lease Agreement - 18 months;<br> Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409014250 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2884 | No | No | 0.04 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.92 | 44.91 | 44.92 | 44.91 | 44.91 | 44.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409014273 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4428 | Yes | Yes | 2.765 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 16.6 | 13.16 | 16.6 | 13.16 | 13.16 | 13.16 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409014294 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3930 | Yes | Yes | 0.099 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.35 | 41.35 | 41.35 | 41.35 | 41.35 | 41.35 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409014305 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8894 | No | No | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | 49.86 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409014672 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.1456 | Yes | Yes | 0.161 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.87 | 26.87 | 26.87 | 26.87 | 26.87 | 26.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409014679 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9450 | Yes | Yes | 0.648 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.84 | 24.85 | 24.84 | 24.85 | 24.85 | 24.85 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | IRS Transcripts – W2(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) |
| 409014690 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5052 | Yes | Yes | 1.028 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.71 | 28.55 | 29.71 | 28.55 | 28.55 | 28.55 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409014691 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8313 | Yes | Yes | 0.741 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.49 | 36.24 | 36.49 | 36.24 | 36.24 | 36.24 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409014898 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3907 | Yes | Yes | 0.089 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.13 | 29.68 | 24.13 | 29.68 | 29.68 | 29.68 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409014906 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9553 | No | No | 0.155 | 0.155 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.72 | 46.66 | 46.72 | 46.66 | 46.66 | 46.66 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409015012 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.8934 | No | No | 0.084 | 0.084 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.87 | 44.7 | 44.87 | 44.7 | 44.7 | 44.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015013 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8186 | Yes | Yes | 1.856 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.1 | 30.1 | 30.1 | 30.1 | 30.1 | 30.1 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |
| 409015014 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0264 | Yes | Yes | 0.121 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.8 | 32.8 | 32.8 | 32.8 | 32.8 | 32.8 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015016 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 6.8278 | No | No | 0.317 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.94 | 43.19 | 44 | 43.19 | 43.19 | 43.19 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015017 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3846 | Yes | Yes | 0.09 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.47 | 41.87 | 42.47 | 41.87 | 41.87 | 41.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Business Tax Return - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409015018 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3499 | Yes | Yes | 0.895 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.66 | 34.77 | 34.66 | 34.77 | 34.77 | 34.77 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015019 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7836 | Yes | Yes | 0.159 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.57 | 36.57 | 37.57 | 36.57 | 36.57 | 36.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Written VOE - 26 months; | Offer Letter - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409015022 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6478 | No | No | 0.177 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.91 | 43.91 | 43.91 | 43.91 | 43.91 | 43.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015026 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5178 | Yes | Yes | 0.146 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.24 | 32.17 | 32.24 | 32.17 | 32.17 | 32.17 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) |
| 409015027 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5536 | No | No | 0.422 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.95 | 44.6 | 44.95 | 44.6 | 44.6 | 44.6 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> CPA Letter with Income - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015028 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.3784 | No | Yes | 1.171 | 1.171 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.32 | 43.38 | 42.32 | 43.38 | 43.38 | 43.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) | (No Data) |
| 409015031 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9381 | Yes | Yes | 0.455 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.48 | 42.76 | 42.48 | 42.76 | 42.76 | 42.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | No | Award Letter - 1 months; | Paystub - 26 months;<br> W2 - 36 months; | Paystub - 1 months;<br> W2 - 24 months; | Paystub - 26 months;<br> W2 - 24 months; |
| 409015032 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.5359 | No | No | 0.241 | 0.241 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.57 | 43.57 | 43.57 | 43.57 | 43.57 | 43.57 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015033 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3767 | Yes | Yes | 2.604 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.66 | 34.66 | 34.66 | 34.66 | 34.66 | 34.66 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Offer Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015034 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6429 | No | No | 0.097 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.98 | 44.98 | 44.98 | 44.98 | 44.98 | 44.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015035 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.3680 | Yes | No | 1.121 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.9 | 41.91 | 43.9 | 41.91 | 41.91 | 41.91 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409015036 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7780 | Yes | Yes | 0.208 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.11 | 35.11 | 35.11 | 35.11 | 35.11 | 35.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 13 months; | (No Data) | (No Data) | (No Data) |
| 409015038 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.5581 | Yes | Yes | 0.444 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.12 | 41.12 | 41.12 | 41.12 | 41.12 | 41.12 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 15 months; | Paystub - 14 months;<br> W2 - 24 months;<br> Written VOE - 15 months; | (No Data) | (No Data) |
| 409015039 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6561 | Yes | Yes | 0.149 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.78 | 30.78 | 30.78 | 30.78 | 30.78 | 30.78 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015040 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6420 | Yes | Yes | 0.082 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.28 | 36.27 | 36.8 | 36.27 | 36.27 | 36.27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 27 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409015041 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8740 | Yes | Yes | 1.177 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 13.11 | 12.98 | 13.11 | 12.98 | 12.98 | 12.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015042 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6198 | Yes | Yes | 1.166 | 1.166 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.65 | 38.65 | 38.65 | 38.65 | 38.65 | 38.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409015044 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9164 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.2 | 35.19 | 35.2 | 35.19 | 35.19 | 35.19 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 26 months;<br> W2 - 12 months; | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409015045 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6414 | Yes | Yes | 0.132 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 20.82 | 20.7 | 10.82 | 20.7 | 20.7 | 20.7 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015046 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0123 | Yes | Yes | 0.114 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.06 | 39.06 | 39.06 | 39.06 | 39.06 | 39.06 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 1 months; | 1099 - 12 months;<br> Award Letter - 1 months; | (No Data) | (No Data) |
| 409015047 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8945 | Yes | Yes | 0.164 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.12 | 36.67 | 37.12 | 36.67 | 36.67 | 36.67 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 3 months;<br> Personal Tax Return - 12 months; | Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409015048 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.8227 | Yes | Yes | 0.653 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.68 | 34.55 | 36.68 | 34.55 | 34.55 | 34.55 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months; | (No Data) | (No Data) | (No Data) |
| 409015051 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6447 | Yes | Yes | 0.16 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.26 | 34.37 | 34.26 | 34.37 | 34.37 | 34.37 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 0 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015053 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9016 | No | No | 0.175 | 0.175 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 44.47 | 44.96 | 44.47 | 44.47 | 44.47 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015056 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0761 | Yes | Yes | 0.371 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.08 | 33.08 | 33.08 | 33.08 | 33.08 | 33.08 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409015088 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9029 | No | No | 0.168 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.48 | 48.57 | 48.48 | 48.57 | 48.57 | 48.57 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Award Letter - 70 months;<br> IRS Transcripts – Tax Return(s) - 24 months; | (No Data) | (No Data) |
| 409015093 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.0247 | No | No | 0.152 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.65 | 49.48 | 48.65 | 49.48 | 49.48 | 49.48 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015098 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9196 | No | No | 0.062 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.24 | 44.24 | 44.24 | 44.24 | 44.24 | 44.24 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) |
| 409015106 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7685 | Yes | Yes | 0.07 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.98 | 31.94 | 31.98 | 31.94 | 31.94 | 31.94 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) |
| 409015120 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8354 | Yes | Yes | 1.737 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.39 | 34.32 | 35.39 | 34.32 | 34.32 | 34.32 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months;<br> Written VOE - 28 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409015132 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0209 | Yes | Yes | 0.157 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.22 | 27.22 | 27.22 | 27.22 | 27.22 | 27.22 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015150 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2406 | No | No | 0.118 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.54 | 49.06 | 49.54 | 49.06 | 49.06 | 49.06 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> Written VOE - 36 months; | (No Data) | (No Data) | (No Data) |
| 409015160 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.4900 | Yes | Yes | 0.156 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.59 | 28.27 | 28.59 | 28.27 | 28.27 | 28.27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> P & L - 16 months;<br> Personal Tax Return - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015185 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6217 | Yes | Yes | 1.2 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.7 | 23.77 | 23.7 | 23.77 | 23.77 | 23.77 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 15 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015186 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6325 | Yes | Yes | 0.192 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.34 | 31.03 | 31.34 | 31.03 | 31.03 | 31.03 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 17 months; | (No Data) | (No Data) | (No Data) |
| 409015203 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9021 | No | No | 0.179 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.16 | 44.16 | 44.16 | 44.16 | 44.16 | 44.16 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015212 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4581 | No | No | 2.409 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.74 | 45.99 | 46.74 | 45.99 | 45.99 | 45.99 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 22 months; | (No Data) | (No Data) |
| 409015215 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.6328 | Yes | Yes | 0.616 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.8 | 34.81 | 34.8 | 34.81 | 34.81 | 34.81 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months; | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) |
| 409015426 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.4213 | No | No | 0.998 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.89 | 48.09 | 49.89 | 48.09 | 48.09 | 48.09 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409015428 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8965 | Yes | Yes | 1.357 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31 | 30.97 | 31 | 30.97 | 30.97 | 30.97 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | CPA Letter without Income - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 15 months; | (No Data) | (No Data) | (No Data) |
| 409015434 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1422 | No | No | 0.13 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.55 | 44.64 | 44.55 | 44.64 | 44.64 | 44.64 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 31 months; | (No Data) | (No Data) |
| 409015455 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.7311 | No | No | 0.343 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.79 | 49.92 | 49.79 | 49.92 | 49.92 | 49.92 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) |
| 409015478 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.8966 | Yes | Yes | 0.167 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.11 | 24.11 | 24.11 | 24.11 | 24.11 | 24.11 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) | (No Data) |
| 409015555 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.2707 | No | No | 0.121 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.16 | 44.34 | 44.16 | 44.34 | 44.34 | 44.34 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Verbal VOE with Income - 12 months; | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409015611 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.1390 | No | No | 0.117 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.22 | 48.2 | 48.22 | 48.2 | 48.2 | 48.2 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409015613 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9274 | Yes | Yes | 0.156 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.66 | 21.85 | 17.66 | 21.85 | 21.85 | 21.85 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409015650 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9045 | No | No | 0.172 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.3 | 45.3 | 45.3 | 45.3 | 45.3 | 45.3 | No | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Lease Agreement - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409015660 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7594 | Yes | Yes | 2.334 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.87 | 19.87 | 19.87 | 19.87 | 19.87 | 19.87 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 16 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015670 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.6414 | No | No | 0.133 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.35 | 44.35 | 44.35 | 44.35 | 44.35 | 44.35 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409015686 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.7500 | Yes | Yes | 0 | 0.000 | No | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.7 | 34.25 | 42.7 | 34.25 | 34.25 | 34.25 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015720 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 6.9086 | No | No | 0.188 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.59 | 44.93 | 43.59 | 44.93 | 44.93 | 44.93 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | (No Data) | (No Data) | (No Data) |
| 409015754 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9466 | Yes | Yes | 1.513 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 9.26 | 8.82 | 9.26 | 8.82 | 8.82 | 8.82 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 36 months; | (No Data) |
| 409015772 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.6787 | Yes | Yes | 1.9 | 1.900 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.67 | 35.98 | 37.67 | 35.98 | 35.98 | 35.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | No | (No Data) | Offer Letter - 1 months; | Business Tax Return - 12 months;<br> Offer Letter - 1 months;<br> Personal Tax Return - 24 months; | Award Letter - 12 months; | (No Data) |
| 409015784 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.0218 | Yes | Yes | 0.225 | 0.225 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.52 | 31.38 | 31.52 | 31.38 | 31.38 | 31.38 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015787 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.3684 | Yes | Yes | 0.323 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.82 | 25.82 | 25.82 | 25.82 | 25.82 | 25.82 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 29 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409015853 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.5175 | Yes | Yes | 0.122 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.09 | 17.08 | 17.09 | 17.08 | 17.08 | 17.08 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015856 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Second Home | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2264 | Yes | Yes | 0.195 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.76 | 15.33 | 14.76 | 15.33 | 15.33 | 15.33 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 6 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015906 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.3176 | Yes | Yes | 0.282 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.12 | 25.08 | 25.12 | 25.08 | 25.08 | 25.08 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 29 months; | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409015926 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 6.9263 | Yes | Yes | 0.208 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.98 | 34.98 | 34.98 | 34.98 | 34.98 | 34.98 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015949 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.6278 | No | No | 0.243 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.72 | 47.02 | 48.72 | 47.02 | 47.02 | 47.02 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 4 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409015957 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.3095 | No | No | 0.167 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47 | 45.27 | 47 | 45.27 | 45.27 | 45.27 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015958 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.3960 | No | No | 0.156 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.92 | 44.75 | 44.92 | 44.75 | 44.75 | 44.75 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) | (No Data) |
| 409015962 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.8076 | No | No | 0.199 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.89 | 48.88 | 48.89 | 48.88 | 48.88 | 48.88 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Written VOE - 27 months; | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months; | (No Data) | (No Data) |
| 409015965 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.6555 | Yes | Yes | 0.138 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.17 | 28.17 | 28.17 | 28.17 | 28.17 | 28.17 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015972 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2545 | Yes | Yes | 0.015 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.76 | 23.76 | 23.76 | 23.76 | 23.76 | 23.76 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 27 months; | Paystub - 1 months;<br> Written VOE - 27 months; | (No Data) | (No Data) |
| 409015977 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.5320 | No | No | 0.246 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.86 | 48.74 | 48.86 | 48.74 | 48.74 | 48.74 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 28 months; | (No Data) | (No Data) | (No Data) |
| 409015983 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | XXXXX | 7.4011 | No | No | 0.182 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45 | 47.65 | 45 | 47.65 | 47.65 | 47.65 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months; | IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409015984 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.2777 | Yes | Yes | 0.188 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.04 | 33.04 | 33.04 | 33.04 | 33.04 | 33.04 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months; | (No Data) | (No Data) | (No Data) |
| 409015994 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.3340 | Yes | No | 0.143 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.43 | 40.84 | 43.43 | 40.84 | 40.84 | 40.84 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Written VOE - 28 months; | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) |
| 409015995 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.4020 | Yes | Yes | 0.176 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26 | 25.04 | 26 | 25.04 | 25.04 | 25.04 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | Business Tax Return - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months; | (No Data) | (No Data) |
| 409016002 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | XXXXX | 7.8044 | Yes | Yes | 0.227 | 0.227 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.82 | 32.72 | 32.82 | 32.72 | 32.72 | 32.72 | No | No | (No Data) | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months; | (No Data) | (No Data) | (No Data) |
| 409016074 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | (No Data) | Primary | XXXXX | XXXXX | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | XXXXX | 7.4071 | No | No | 0.217 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.32 | 49.36 | 49.32 | 49.36 | 49.36 | 49.36 | Yes | Yes | Yes | XXXXX | No | XXXXX | No | XXXXX | Yes | No | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 30 months; | 1099 - 12 months;<br> Award Letter - 1 months;<br> Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months; | (No Data) | (No Data) |

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## Exhibit 99.5

**Exhibit 99.5**

**EXHIBIT 99.5 CLAYTON VALUATIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **Valuations Summary** |  |
| *Loans in Report:* | *284* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **1004 SFR (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **2055 Ext Only (Mar 05)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance %** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| 409008269 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409008657 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008785 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409008833 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008841 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409008879 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008900 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409008909 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409008982 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009037 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009090 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009096 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009131 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009189 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009200 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009205 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009305 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009314 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009520 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009532 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409009541 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409009564 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011497 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011516 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011526 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011530 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011532 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011626 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011628 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011631 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011633 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011640 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011737 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011745 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011752 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011762 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011764 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011766 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011777 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011895 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011919 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011924 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409011935 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011959 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011972 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409011977 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012023 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012050 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012057 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012060 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012082 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012084 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012085 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012087 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012106 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012197 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012207 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012209 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012242 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012244 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012267 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012275 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012300 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012306 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012310 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012316 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012347 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012427 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012467 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012468 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012473 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012478 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012499 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012515 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012554 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012576 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012577 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012578 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012604 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012608 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012734 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012737 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012748 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012778 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012791 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012805 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012814 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012815 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012837 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012840 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012843 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012854 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409012875 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012902 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012967 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012970 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409012988 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013017 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013023 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013033 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | XXXXX | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013039 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013043 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013058 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013061 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013068 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013076 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013079 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013080 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013082 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013083 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013085 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013086 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013089 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013099 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013116 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013142 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013158 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013177 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013180 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013193 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013194 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013211 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013216 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013270 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013278 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013280 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013293 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013330 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013335 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013343 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013350 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013365 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013369 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013450 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013502 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013519 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013522 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013531 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013540 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013543 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013549 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013557 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013558 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013574 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013598 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013602 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013606 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013620 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013621 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013628 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013630 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013637 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013639 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013647 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013672 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013758 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013769 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013780 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013782 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013785 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013794 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013812 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013831 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013844 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013852 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013869 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013902 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013914 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013916 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013918 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013922 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013931 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013938 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013956 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013965 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409013972 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013978 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013993 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409013994 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014002 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014003 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014009 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014050 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014052 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014062 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014084 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014104 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014114 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014132 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014156 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014182 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014184 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014213 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014226 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014228 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014250 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014273 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014294 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014305 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014672 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014679 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409014690 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014691 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014898 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409014906 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015012 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015013 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015014 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015016 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015017 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015018 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015019 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015022 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015026 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015027 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015028 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015031 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015032 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015033 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015034 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015035 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015036 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015038 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015039 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015040 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015042 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015044 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015045 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015046 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015047 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015048 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015051 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015053 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015056 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015088 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015093 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015098 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015106 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015120 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015132 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015150 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015160 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015185 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015186 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015203 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015212 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015215 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015426 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015428 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015434 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015455 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015478 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015555 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015611 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015613 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015650 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015660 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015670 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015686 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015720 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015754 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015772 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015784 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015787 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015853 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015856 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409015906 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015926 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015949 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015957 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015958 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015962 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015965 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015972 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015977 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015983 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015984 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015994 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409015995 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409016002 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409016074 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |

---

## Exhibit 99.6

**Exhibit 99.6**

**EXHIBIT 99.6 CLAYTON CONDITIONS REPORT 2.0**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *284* |
| ***Loans with Conditions:*** | *213* |

---

---

| |
|:---|
| **0 - Total Active Conditions** |
| **433 - Total Satisfied Conditions** |
| 166 - Credit Review Scope |
| 12 - Category: Ability to Repay/Qualified Mortgage |
| 4 - Category: Application |
| 16 - Category: Assets |
| 8 - Category: Credit/Mtg History |
| 17 - Category: DTI |
| 71 - Category: Income/Employment |
| 13 - Category: Insurance |
| 6 - Category: Legal Documents |
| 17 - Category: Terms/Guidelines |
| 2 - Category: Title |
| 13 - Property Valuations Review Scope |
| 12 - Category: Appraisal |
| 1 - Category: Property |
| 254 - Compliance Review Scope |
| 23 - Category: Ability to Repay/Qualified Mortgage |
| 22 - Category: Compliance Manual |
| 8 - Category: Documentation |
| 1 - Category: Federal Consumer Protection |
| 6 - Category: Finance Charge Tolerance |
| 12 - Category: RESPA |
| 1 - Category: Right of Rescission |
| 2 - Category: State Consumer Protection |
| 3 - Category: Texas Home Equity |
| 176 - Category: TILA/RESPA Integrated Disclosure |
| **58 - Total Waived Conditions** |
| 45 - Credit Review Scope |
| 7 - Category: Assets |
| 7 - Category: Credit/Mtg History |
| 4 - Category: DTI |
| 14 - Category: Income/Employment |
| 8 - Category: LTV/CLTV |
| 5 - Category: Terms/Guidelines |
| 8 - Property Valuations Review Scope |
| 5 - Category: Appraisal |
| 3 - Category: Property |
| 5 - Compliance Review Scope |
| 2 - Category: Documentation |
| 1 - Category: RESPA |
| 1 - Category: Right of Rescission |
| 1 - Category: TILA/RESPA Integrated Disclosure |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *284* |
| ***Loans with Conditions:*** | *213* |

---

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** | **Loan Status** |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Documentation | Satisfied B A | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | XXX approved exception for escrow holdback. $XXX not released for driveway, sidewalk and rear patio. 1004D and escrow funds release to be provided no later than XXX. | 4/3 Client provided an approved exception to allow the file with an escrow hold back with a 1004D showing work completed coming after work is completed in XXX(weather)6.16.2025 Client provided evidence escrow holdback of $XXX being released to XXX and provided 1004D with completion of work (along with exterior photos) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Right of Rescission | Waived B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title, transaction is Lender to Lender Refinance. ROR Form H-9 required. Lender used ROR Form H-8. | 04/01/25 Client provided an approved exception for the incorrect ROR Form used. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide tax calculation for using $XXX/month in taxes to qualify | 4/3 Client provided supporting tax calculation | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409008269 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Property Valuations | Property | Waived A B | PRVAPROP177 | Property Issues Indicated | No | Original appraisal dated XXX is expired | 3/3 Client provided an approved exception to allow the expired appraisal dated over XXX days aged. | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing Flood cert to support flood insurance not required.2. Missing verification of subject tax expense to support $XXX used to qualify.3. Missing proof of termination of rental lease for XXX to support excluding lease payment of $XXX per month from DTI calculation. Inclusion of the expense increases qualifying DTI to XXX% which exceeds the XXX% variance tolerance. | 3.26.2025 Client provided Lender LOX on tax calculation used for subject supporting $XXX for monthly $XXX; condition remains for missing proof of termination of rental lease w/XXX, (per initial condition) 3.27.2025 Client provided LOX and other documentation, stating Lease ends XXX and subject was new construction, now completed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. | Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing final CD acknowledged by borrowers at closing on XXX | 03/26/25 Client provided a duplicate copy of the XXX CD e-signed on XXX with signed LOE from Lender stating the referenced loan was a Hybrid closing and the Final CD was e-signed XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. | Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | 1. Missing verification of subject tax expense to support $XXX used to qualify.2. Missing proof of termination of rental lease for XXX to support excluding lease payment of $XXX per month from DTI calculation. Inclusion of the expense increases qualifying DTI to XXX% which exceeds the XXX% variance tolerance. | 3.26.2025 Client provided Lender LOX on tax calculation used for subject supporting $XXX for monthly $XXX ; condition remains for missing proof of termination of rental lease w/XXX, (per initial condition) 3.27.2025 Client provided LOX and other documentation, stating Lease ends XXX and subject was new construction, now completed. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. | Client Complete |
| 409008657 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood cert to support flood insurance not required. | 3.26.2025 Client provided Flood Certification, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 has XXX years XXX month in same line of work. B2 has XXX years XXX months in same line of work. | Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a revised CD was issued on XXX which is missing from file. | 03/26/25 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines | Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Two (2) Business Assets being used for transaction, missing 3rd month and business asset cash flow analysis worksheet XXX #XXX and XXX #XXX both having (November and XXX XXX statement in file), provided 3rd month and Cash Flow Business Asset Analysis. | 3/26 Client provided the XXX XXX statement still missing the XX XXX #XXX stmt and XXX cash flow analysis of the accounts 3/27 Client provided the CFA and XXX XXX statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines | Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Currently using Lender income Missing Lender Income Calculation worksheet to determine where difference is Missing all 3 worksheet calculation (Capital Gains, Dividends/Interest and Schedule C) Income still under review, not finalized. | 3/26 client provided income WS to support Sch C income calculation $XXX matching DD UW calculation, DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines | Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC889 | Income is Not Reasonable | No | Missing Income worksheet for all calculation of income, Lender comments only states the amount used, no calculation. Cash Flow Income Analysis for XXX borrower Calculation worksheet for Capital Gains and Calculation worksheet of Dividends/Interest. | 3/26 client provided income WS to support Sch C income calculation $XXX matching DD UW calculation, DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines | Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Loan amount of $XXX is max XXX% per guidelines Subject LTV XXX% exceed guidelines maximum of XXX% Waiver not applied, outstanding credit conditions on file | 3/27 Client provided an approved exception to allow the file at XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines | Client Complete |
| 409008785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Title | Satisfied B A | CRDTIL865 | Title incomplete | No | Title to reflect the correct Proposed Amount of Insurance, currently showing $XXX and $XXX should be $XXX and $XXX | 3/26 Client provided corrected title matching the loan amt | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines | Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as a 2nd Appraisal Inspection fee was added to Final CD XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/14/25 Client provided a missing XXX Revised CD with Tracking that shows Reason for Revision as "Other". Condition remains. This is not a valid COC. Provide a valid COC for review, or provide borrowers with a $XXX refund, Post CD with increased tolerance cure, LOE and proof of delivery that includes tracking.03/17/25 Client provided a duplicate copy of the XXX CD's and an LOE/COC dated XXX. The explanation only states the fee was added. It does not provide a valid change in circumstance. Borrower is due a $XXX refund, Post CD with cure, LOE and proof of delivery that includes tracking.03/24/25 Client provided another LOE stating the 2nd Inspection was done XXX based on the condition added for the additional RETS inspection on XXX. Condition remains. Provide the "change in circumstance" details/explanation for further review.03/25/25 Client provided another LOE with the same screen shots reflecting the XXX additional inspection needed. Upon review by internal Compliance counsel, the LOE's, COC's, along with the XXX initial Inspection showing the property was Not Complete, validates the addition of the 2nd Inspection fee that would be needed. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. | Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 3/14 Client provided a determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. | Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing an additional consecutive months bank statements for all 3 XXX Bank accounts used to qualify. Only XXX month statements provided in the file. | 3/13 Client provided additional asset statements | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. | Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Waived C B | CRDINC2488 | Verbal verification of employment missing | No | File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for the co-borrower's 2nd job. | 3.18.2025 Client provided post close dated VVOE for B2 2nd job w/XXX dated XXX however Note date XXX ; not within XXX business days prior to the Note date. Condition remains 3.18.2025 Client provided exception approval for missing prior to closing VVOE for B2 2nd job with having a post close dated VVOE dated XXX and file having prior to closing paystubs. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. | Client Complete |
| 409008833 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Waived D B | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Certification of Completion provided in the file indicates property is not complete. File is missing completion cert showing all work is completed. Cost to cure is $XXX. | 3.31.2025 Client provided copy of Escrow Agreement which states what is being held in Escrow for Completion of Driveway $XXX and Final CD reflect an Escrow Holdback. Condition remains for 1004D showing completion of Driveway and provide evidence from title company releasing the funds ($XXX) to XXX (Lender) 4/1 Client provided an approved exception to allow the file without the 1004D and with an open holdback | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. | Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 03/31/25 Client provided the missing XXX Initial CD with Tracking and Revised XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX signed on XXX is the only CD in file. Missing initial CD acknowledged by all title holders min XXX days prior to closing date XXX. If initial CD was emailed to non-borrowing spouse, a prior e-consent is also required. | 03/31/25 Client provided the missing XXX Initial CD with Tracking and Revised XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to added Discount Points $XXX on LE XXX which increased to $XXX on final CD XXX with no valid COC in file and decreased Lender's credit from $XXX on initial LE XXX to $XXX on LE XXX and increased to $XXX on final CD XXX with no valid COC in file. Condition is pending receiving a valid Change of Circumstances/ Rate Lock pricing or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/31/25 Client provided the missing XXX Initial CD, XXX Tracking, XXX Rate Lock Agreement and Revised XXX CD. Condition remains. Points were added on the Revised XXX LE ($XXX) then increased on the Revised XXX CD ($XXX) without a valid COC. The XXX Lock that was provided with the XXX Revised CD reflects the $XXX Points with a Lock Extension, however the XXX CD still reflects the Points of $XXX. Also, the Lender Credit baseline of $XXX on the Initial (Locked) XXX LE was reduced to $XXX on the Initial XXX CD ($XXX additional for cure amount). This was increased again on the Final XXX CD, however the increase was only for the cure amount. For further testing, provide the missing Change documentation for all Points and Lender Credit changes. Additional conditions may apply, including refund to borrower.04/08/25 Client provided an LOE from Seller with screen shots validating the Lender Credit decrease to $XXX on the XXX LE (Escrow Waiver pricing adjustment). Condition remains. Re-testing still results in an additional Zero Tolerance violation of $XXX due to the added Points ($XXX added on the XXX LE then increased to $XXX on the XXX CD). Missing change documents for the $XXX Points added on the XXX LE, and the Lock that was provided with the XXX CD for the Points of $XXX was dated XXX and not within timing for re-disclosure (the XXX CD still reflects Points of $XXX).04/10/25 Client provided an LOE from Lender with a grid breakdown of the Disclosures / Reasons. Condition remains. For the Points added on the XXX LE, provide the missing Rate Lock Agreement as reflected on the eSign Summary/Tracking in file. Also, regarding the 3/6 CD increase to Points, the grid shows a lock extension occurred, however the Rate Lock provided with the XXX CD is dated XXX (timing for re-disclosure not met). Re-testing to be performed upon receipt of requested docs.04/14/25 Client provided the full XXX LE package with Lock and a XXX preview Lock, along with a Seller response stating a Lock auto generates with the disclosure package, the LE is dated current date to comply with TRID rules but the Lock agreement holds the date from the last disclosure. The Lock provided with the XXX LE is e-signed XXX by the borrower, reflects the $XXX Points and coincides with the grid and Appraisal (value change). The Lock expires XXX and the Lock extension was disclosed on the XXX CD (Lock reflects the increased Points and Extension Date). | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Insurance | Satisfied D A | CRDINSR848 | Missing Hazard Insurance | No | Missing Homeowners Insurance Binder for subject property | 3.31.2025 Client provided HOI policy for subject property | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409008841 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Title | Satisfied D A | CRDTIL796 | Missing Title | No | Missing title | 3/26 Client provided the Title | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409008879 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per COC dated XXX in file, a revised CD was issued but is missing in file. | 03/21/25 Client provided duplicate copies of the XXX Initial CD and XXX Final CD. Condition remains. Lender to provide clarification if a CD was issued within XXX days of the XXX Change document.03/26/25 Client provided a XXX Post CD for a tolerance violation. Condition remains. Lender to provide clarification if a CD was issued within XXX days of the XXX Change document.03/27/25 Client provided an Email confirmation from the Lender that a CD was not issued XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower conservative credit user; minimal outstanding debt. | Client Complete |
| 409008879 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added 2nd Appraisal/ Review fee on CD XXX with no valid reasons documented in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information.. | 03/21/25 Client provided duplicate copies of the XXX Initial CD and XXX Final CD. Condition remains. File contains a XXX Change document adding the review appraisal, however there is no corresponding CD in file for this change, and the change reason is not valid. Borrower is due a refund of $XXX, Post CD with tolerance cure, LOE and proof of delivery that includes tracking.03/26/25 Client provided a XXX Post CD with cure, refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower conservative credit user; minimal outstanding debt. | Client Complete |
| 409008879 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Waived B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Maximum Cash Out allowed $XXX; received $XXX. | 3/19 Client provided an approved exception to allow the file with cash out of $XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower conservative credit user; minimal outstanding debt. | Client Complete |
| 409008900 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage | 06/10/25 Client provided the fully executed Mortgage and Rider. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% | Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking, a loan estimate was issued on XXX which is missing from the file. | 03/25/25 Client provided the missing XXX LE and COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as recording fee increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 03/31/25 Client provided a XXX Post CD with $XXX principal reduction for a tolerance cure, LOE to borrower, Disclosure Tracking for delivery and payment history reflecting the PR deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal completed subject to without a completion cert. | 3/31 Client provided an approved exception to allow the file without the 1004D and will obtain post purchase5/19 Client provided a 1004D showing all items completed | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409008909 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Property | Waived C B | PRVAPROP245 | Escrow for Repairs - Not Released | No | XXX approved exception for escrow holdback. CD shows an escrow holdback of $XXX for pending completion of the driveway and landscaping. | 3/31 Client provided an approved exception to allow the file with the escrow account, and will obtain a 1004D and release of funds post purchase | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per COC XXX, a revised LE was issued on XXX which is missing from file. | 03/26/25 Client provided the XXX LE and XXX COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves. | Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC150 | Income docs do not meet guidelines | No | Missing lender's income calculation on FNMA form 1084 (or equivalent) required by guides for XXX analysis. Copy of liquidity analysis must be included due to income being used from K-1s line 1 being greater than distributions indicated. | 3/25 Client provided the 1084; still missing the liquidity analysis3.28.2025 Client provided Business Liquidity, passing | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves. | Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of borrower's XXX via 3rd party source (CPA letter, regulatory agency or licensing bureau) no more than XXX calendar days prior to note date XXX; screen shots of borrowers website is not acceptable. | 3/25 Client provided SOS business searches | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves. | Client Complete |
| 409008982 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Provided updated/Final 1008 to reflect manual underwrite; 1008 provided showing AUS DU approve/ineligible status. | 3/27 Client provided a duplicate 1008; condition remains for Final 1008 to reflect manual underwrite3/28 Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX required reserves. | Client Complete |
| 409009037 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No | Missing XXX full years of transcripts | 3.27.2025 Client provided copy of lock confirmation switching program to XXX AUS vs XXX XXX YR; under new program AUS transcripts are not required. | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409009037 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for borrowers Schedule C | 3.27.2025 Client provided Business License dated XXX for Schedule C business for B1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409009037 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX full years of tax returns, only 23 in file | 3.27.2025 Client provided copy of lock confirmation switching program to XXX AUS vs XXX XXX YR; under new program most recent tax return (XXX year) is required, file have XXX 1040 to support Schedule C income (per DU) | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409009090 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Lack of XXX years Earning History (less than 2 years XXXt). Lender approval in file however not applied due to additional outstanding exceptions. | 3/21 Client provided an approved exception to allow the file with less than XXX years XXX employment | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | File is missing documentation to validate PITI payment of borrower's second home. No statement or tax/insurance documentation; unable to determine if taxes and insurance are escrowed and included in payment shown on credit report. | 4.2.2025 Client provided evidence of PITIA payment of $XXX (include taxes/insurance) for property:XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months paid 0x30; XXX months required. | Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months paid 0x30; XXX months required. | Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero percent tolerance in amount of $XXX due to increase in Appraisal Fee from $XXX on Initial LE:XXX to $XXX on Final LE:XXX with no COC in file. Lender's credit of $XXX for tolerance cure was applied towards increased Credit Report fee. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/02/25 Client provided a screen shot of the XXX Redisclosure Tracking and a XXX Change explanation that states Appraisal fee increased, passing on the Borrower. Condition remains. The screen shot with the Change does not provide a valid reason/explanation for why the Appraisal fee increased.04/03/25 Client provided another screen shot showing the XXX Valuation email for the increased charge due to the assignment complexities. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months paid 0x30; XXX months required. | Client Complete |
| 409009096 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 4.1.2025 Client provided LOX stating, Seller Comment: CU >2.5 is not applicable. The appraisal shows condition as C1 and provided copy of duplicate appraisal in file. Response, this condition is for missing 3rd party CDA valuation supporting appraised value. Condition remains 4.2.2025 Client provided 1004D Completion report (already in file) however initial condition is for missing 3rd party CDA valuation supporting appraised value. CU Score 2.9 (Lender have variance however CU Score is > 2.5), CDA is required. 4/16 Client provided a Field review supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months paid 0x30; XXX months required. | Client Complete |
| 409009131 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required XXX. | Client Complete |
| 409009189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is only CD in file. Product not disclosed at least three days prior to closing date of XXX | 04/28/25 Client provided the missing XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% calculated DTI; XXX% max allowed.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: > XXX months reported 0x30; XXX months required. | Client Complete |
| 409009189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 04/28/25 Client provided the missing XXX CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% calculated DTI; XXX% max allowed.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: > XXX months reported 0x30; XXX months required. | Client Complete |
| 409009189 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Waived D B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Loan amount XXX rate/term refi Per guidelines for > XXX rate / refi - please provide below second full appraisal. Subject to LTV recalc and may be subject to additional conditions upon review: When two (2) appraisals are required, the following applies:? Appraisals must be completed by two (2) independent companies.? The LTV will be determined by the lower of the two (2) appraised values if the lower appraisal supports the value conclusion.? Both appraisal reports must be reviewed and address any inconsistencies between the two (2) reports and all discrepancies must be reconciled.? If the two (2) appraisals are done subject to and 1004Ds are required, it is allowable to provide one (1) 1004D. If only one (1) 1004D is provided, it should be for the appraisal that the value of the transaction is being based upon. | 5.1.2025 Client provided exception approval for missing 2nd full appraisal supporting value as required per guidelines, with file having 3rd party CDA and CU Score 1.2 supporting value | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factor, Low LTV XXX%, fico score XXX and excessive reserves verified. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% calculated DTI; XXX% max allowed.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: > XXX months reported 0x30; XXX months required. | Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide documentation that there is no HOA on XXX. 3rd party online shows property in HOA | 4/1 Client provided an LOX no HOA | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3646 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Need evidence of change of circumstances letter for XXX Percent tolerance, Recording Fees increase, or a copy of a refund check in the amount of $ XXX, Credit in the amount of $XXX on Final CD:XXX total increase for tolerance is $XXX- $XXX = $XXX. Recording Fee increased on XXX and again on XXX without a valid COC in file. Provide missing COC's, or provide additional refund of $XXX, PCCD with cure, LOE and proof of shipment. | 04/02/25 Client provided an LOE from Seller explaining to 2 Recording fee increases, Draft CD's breaking down the Recording charges. Supporting documents in file. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation that there is no HOA on XXX 3rd party online shows property in HOA | 4/1 Client provided LOX no HOAs on XXX | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide documentation that "other income" for B2 is Bonus. | 4/1 Client provided the income calculation for Bonus income and LOX that other income was not used | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409009200 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied B A | CRDTER3490 | Missing Patriot Act form | No | Provide Patriot Act for both borrowers. | 4.2.2025 Client provided executed Patriot Act for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Non Occupant Co Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409009205 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing lender Fannie Form 1084 or Freddie Form 91 or equivalent XXX calculation for B1. | 3/26 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Qualifying LTV XXX% below program maximum XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post close reserves $XXX exceed required reserves $XXX. | Client Complete |
| 409009305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing 3rd party VOE for XXX | 4/2 Client provided the VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party VOE for XXX | 4/2 Client provided the 3rd party VOE | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409009314 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA | 4.2.2025 Client provided CU Score 2.6 and LCA Risk 1.0 however file was not reviewed to AUS. Condition remains for 3rd party CDA valuation supporting appraised value. 4.4.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements of XXX% per program.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO >XXXX points above guideline program minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409009520 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing revised LE dated XXX, per the Change of Circumstances with the same date. | 04/11/25 Client provided the XXX COC and XXX missing LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409009520 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure. | 04/11/25 Client provided a signed LOE from Lender stating they do not have any affiliated business arrangements used on any mortgage transactions. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409009520 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE XXX was e-signed by both borrowers without a prior-e-sign consent in file. | 04/11/25 Client provided the XXX E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409009532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | The file does not contain an Affiliated Business Disclosure or a Privacy / Facts Disclosure. | 04/02/25 Client provided the Lender FACTS. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. | Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in amount of $XXX due to increase in Discount Points on LE XXX with no COC or Rate Lock with updated loan amount in file. Lender's credit of $XXX for tolerance cure was applied towards added Appraisal Desk Review fee. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 04/01/25 Client provided the missing XXX COC along with the XXX LE and XXX LE/COC. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. | Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 4.2.2025 Client provided Mavent w/QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. | Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing a copy of the 1st mortgage statement, or other documentation, for the borrowers' primary residence verifying taxes and insurance are escrowed. Used total PITI payment of $XXX for recalculations. If they are not escrowed, then verification of homeowners insurance premium and property tax amounts will be required and included in the liabilities. | 4.2.2025 Client provided PITIA documentation for other REO property (XXX) however initial condition is regarding Primary residence (XXX) missing mortgage statement (taxes, HOI/HOA) to support 1st lien PITIA payment of $XXX as reflected on REO of 1003. Condition remains 4.2.2025 Client provided XXX statement verifying PITIA payment of $XXX (includes taxes/insurance) for XXX property | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. | Client Complete |
| 409009541 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | File is missing the LP findings with an Accept/Ineligible - or- Eligible for High Balance due to loan amount. Additional review required. Verify income and asset documentation requirements. Additional exceptions may be required. | 4.2.2025 Client provided LP Streamline Accept submission #6 Note: 2nd job (XXX for B2) was not used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXXin reserves required. | Client Complete |
| 409009564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, file is missing Revised CDs XXX, XXX and Final CD XXX.Completed CDs required for further testing, additional conditions may apply. | 06/02/25 Client provided the CD issued on XXX (CD printed and e-signed XXX - duplicate of the CD issued XXX in file). Condition remains. The Tracking Summary reflects CD's Sent on XXX. Provide the missing XX CD's.06/05/25 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% | Client Complete |
| 409009564 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC3204 | Income Documentation Missing | No | Missing Mortgage statement for primary XXX to support PITI of $XXX | 5/21 Client provided the mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% | Client Complete |
| 409011446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409011446 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Title Survey was added without a COC in file to support it. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 07/01/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409011497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Borrowers have $XXX in reserves. Required reserves are XXX months x $XXX = $XXX and XXX months for each of two financed reos: XXX x XXX = XXXRequired total = XXX, not met. Provide additional asset statements, meeting guidelines, supporting Borrower had required reserves. May be subject to additional conditions upon review. | 4/11 Client provided an approved exception to allow the file with $XXX in reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%. | Client Complete |
| 409011497 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing Collateral Desktop Analysis (CDA) ordered from XXX or Consolidated Collateral Analysis (CCA) ordered from Consolidated Analytics supporting the appraised value of $XXX. May be subject to additional conditions upon review. | 4/16 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%. | Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking in file, a revised CD XXX was issued and received by borrowers but is missing in file. | 05/14/25 Client provided the missing XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, XXX years XXX(same location)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceeds guidelines | Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing lender QM status | 5.13.2025 Client provided XXXw/QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, XXX years XXX(same location)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceeds guidelines | Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence of XXX and XXX mortgage payment being made for subject and 2nd home Bank statement in file support XXX and XXX payment (pg. 433/430) Note: Payoff for subject (pg. 477) reflect interest of XXX interest to XXX | 5.13.2025 Client provided duplicate documents (in file) in which XXX XXX statement reflect payment on XXX which covers the XXX mortgage payment, initial condition is regarding XXX and XXX mortgage payment being verified payment made. Condition remains 5.22.2025 Client provided evidence of XXX and XXX payment being made and provided evidence of XXX payment being made for other REO property w/payment of$XXX w/XXX last paid on XXX, still missing evidence XXX payment made to XXX payment $XXX (XXX and XXX payment verified for XXX, missing XXX), subject mortgage payment ($XXX) is now verified making XXX and XXX payment. Condition remains for evidence of XXX payment for payment of $XXX w/XXX5.30.2025 Client provided copy of XXX bank statement #XXX verifying payment of $XXX payment made on XXX w/XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, XXX years XXX(same location)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceeds guidelines | Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Per LOX in file (pg. 364, 533) stating borrower sold the property associated with the business. CD in file. Missing copy of the CD. File is also missing the tax returns that reflect this business of XXX (appears per the Cash Flow Income analysis for this business there was a large loss however tax returns not provided). Subject to additional documentation upon receipt and review of CD and XXX/XXX1040 tax returns | 5.13.2025 Client provided copy of the executed HUD-1 from sale of property: XXX (associated with the business) and provided copy of XXX/XXX1065 for business XXX. Condition remains for signed 1065 XXX/XXX XXX. Complete copy of 1065 was provided however not signed. 5.22.2025 Client provided pg. 1 of XXX/XXX1065 signed dated by borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, XXX years XXX(same location)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceeds guidelines | Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | B2 Schedule C / 1099 in file however missing (1). XXX/XXX 1040's and missing (2). XXX/XXX 1040 Transcripts missing (3). executed Borrowers consent Upon receipt, calculation of income required. File do have the Income Cash Flow Analysis | 5.13.2025 Client provided XXX/XXX 1040's and XXX/XXX 1040 Transcript supporting B2 Schedule C income and not using B1 Schedule C income. Condition remains for executed Taxpayer consent by both borrowers. 5.20.2025 Client provided executed Taxpayer consent for each borrower | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, XXX years XXX(same location)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceeds guidelines | Client Complete |
| 409011516 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing B2 Schedule C end of year XXX P/L and YTD XXX P/LNote: both was provided per 1008 comments | 5.13.2025 Client provided Year end XXX P/L and YTD XXX P/L for B2 Schedule C XXX . Income used for qualifying is from YTD XXX P/L which is the lowest of all figures. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: B2 has significant time at current job, XXX years XXX(same location)<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceeds guidelines | Client Complete |
| 409011526 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:Subject (second home): XXX months PITIA+XXX months PITI for one financed REOMet<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409011530 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender did not provide an ATR/QM status determination. | 4/30 Client accepts SH Determination | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have owned the subject property for XXX years XXX months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409011532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Documentation | Waived B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | $XXX executed Work Completion Escrow Agreement in file | 4/2/24 xxx XXX: Approved lender client exception in file not yet applied to open exceptions 4/28 Client provided an approved exception to allow the file with the open escrow pending 1004D | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409011532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination. | (No Data) | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409011532 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Appraisal | Waived D B | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | 1004D and escrow funds release documentation to be provided to XXX within XXX days of Note date. | 4/28 Client provided an approved exception to allow the file without tee 1004D and escrow release; per lender will obtain post purchase | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; good mortgage history, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived in the same residence for XXX years. | Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing in file CD in file. | 04/03/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived in the same residence for XXX years. | Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX signed on XXX is the only CD in file. Missing initial CD acknowledged by borrowers min XXX days prior to closing date XXX | 04/03/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived in the same residence for XXX years. | Client Complete |
| 409011626 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing evidence to verify $XXX in gift funds were received by settlement agent as outlined in XXX program guides. | 4/3 Client provided the executed HUD 1 showing receipt of the $XXX gift funds | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived in the same residence for XXX years. | Client Complete |
| 409011628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | RESPA | Waived B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 05/22/25 Client provided an approved exception for the missing Affiliate Business Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409011628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Fee increased, Inspection and Tax Service Fees were added without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/13/25 Client provided a duplicate copy of the XXX Pre-Application LE (Address TBD), XXX COC, screen shot of the XXX Appraisal (pg. 2) showing subject to completion and the XXX Final Inspection invoice. Lender also provided the following Seller response: Please note that borrower requested the change in loan terms on LE dated XXX and there for the appraisal fee was increased to $XXX. This is a valid reason for the change in the appraisal fee. Final inspection fee was disclosed on XXX and within the XXX days compliance it was disclosed in LE dated XXX, the appraisal doc also shows that subject to option is marked in it and we also have the final inspection invoice of $XXX. Therefore, no cure is applicable for this. Condition remains. The subject Application Date is XXX, therefore any prior LE without an address is not included in the TRID testing. The first LE in file is dated XXX (fee baselines). The Appraisal and Tax Service Fees were increased on the XXX LE without any valid explanation on the XXX COC. The Final Inspection fee was added on the XXX LE without any valid explanation on the XXX COC (the Appraisal was not even performed at this point - Date of Appraisal is XXX). Borrower is due a refund of $XXX, PCCD with tolerance cure, LOE and proof of delivery that includes Tracking.05/28/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE with e-delivery and a shipping label for the check. Tracking shows only the label has been created. Condition remains for the proof of shipment.06/12/25 Client provided an updated check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409011628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Waived C | CMPTRID3552 | TRID - Loan Estimate not timely | Yes | Initial LE in file is dated XXX; application date is XXX. | 05/07/25 Client provided a duplicate copy of a XXX Pre Application LE without a Property Address (TBD). Condition remains. The Application Date is XXX. Provide the Initial LE, with the Property Address, within XXX business days of the XXX Application Date.05/13/25 Client provided another duplicate copy of the XXX Pre Application LE without a Property Address (TBD). Condition remains. The Application Date is XXX. Provide the Initial LE, with the Property Address, within XXX business days of the XXX Application Date.05/22/25 Client provided an approved exception for the LE not timely. | Final Grade C. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 3/26 Client provided ATR checklist provide missing QM Determination3/27 Client provided QM eligible determination; SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. | Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | Credit | Assets | Waived C B | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing XXX month Cash Flow Analysis for XXX Statements #XXX/XXX | 3.31.2025 Client provided Business Liquidity calculation however initial condition is for Business Asset Cash Flow Analysis covering XXX months w/XXX #XXX and covering XXX months w/XXX #XXX condition remains 4/2 Client provided an Email that "We backed out the amount of business assets used for reserves to show that the business would still be solvent." Upon review the only asset accounts used are both Business accounts, Condition remains for Business Asset Cash Flow Analysis covering XXX months w/XXX #XXX and covering XXX months w/XXX #XXX4.3.2025 Client provided exception approval for missing Business Asset Cash Flow Analysis for both business account #XXX and #XXX | Upon review by Senior underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, borrower having over XXX years in profession, fico score XXX and XXX months reserves with considering business accounts. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. | Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing 3rd party VOE for XXX | 3/26 Client provided VOE screenshot; missing supporting 3rd party document referred to in the screenshot3/27 Client provided the 3rd party verification | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. | Client Complete |
| 409011631 | XXXXXX | XXXXXX | QM: Safe Harbor | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing signed pages of XXX and XXX 1120S for XXX | 4/1 Client provided signed XXX/XXX 1120s for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Total required reserves are $XXX. Borrowers have $XXX in post close reserves.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX. | Client Complete |
| 409011633 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXis XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower 3 has been XXX with current business since XXX. | Client Complete |
| 409011640 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of XXX Income Tax Verification Service Fee of XXX added on Revised LE XXX w/o indication on COC Lender Credit NOT indicated on Final CD XXX; Corrected PCD, LOX, & refund missing. | 04/11/25 Client provided another XXX COC that indicates the Loan Program Change requires transcripts and the $XXX fee was added for the tax verification service. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409011640 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV exception in file for XXX% LTV | 4/10/2025 client provided an approved exception for LTV. | Upon further review by Senior UW exception is deemed non material. Borrower has reserves of over $XXX | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409011640 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS | 4/11 Client provided the AUS DUAI 2 | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409011737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%. | Client Complete |
| 409011737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Application | Satisfied C A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | XXX: B1 is employed by Lender. Guidelines: 'Borrower is the employee of the originating lender and the lender has an established employee loan program. Evidence of employee program to be included in loan file' - please provide. | 4.10.2025 Client provided copy of Employee Lender Established loan program for B1 employment | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%. | Client Complete |
| 409011745 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure | 04/08/25 Client provided a duplicate copy of the Settlement Services Provider List (SPL). Condition remains. The SPL indicates the Title provider is not an Affiliate Business, however an Affiliated Business Disclosure for the Lender is required. If Lender has no Affiliates, provide a signed attestation stating this fact.04/10/25 Client provided an Email from the Lender, as of XXX the only provider they had no longer functions and the ABD form will stop printing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409011752 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOEs for all businesses. | 3/25 Client provided VVOEs with CPA | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXXX. Loan credit score is XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. | Client Complete |
| 409011752 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing income calc from lender on XXX income. | 3.24.2025 Client provided Lender Cash Flow Income Analysis calculation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXXX. Loan credit score is XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: Maximum LTV allowed is XXX%. Loan LTV is XXX%. | Client Complete |
| 409011762 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409011764 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX years W2's for B1 as required per guidelines. | 4/29 Client provided an approved exception to allow the file using a WVOE instead of W2s | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Conservative credit users; minimal outstanding debts.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers reserves XXX months PITIA. | Client Complete |
| 409011766 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to verify the non-occupant borrowers' tax/insurance and HOA (if applicable or statement from borrowers that the property is not in an HOA) payments on their primary residence. | 4/22 Client provided the PITIA for NON OO Bwr | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409011766 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence to verify the non-occupant borrowers' tax/insurance and HOA (if applicable or statement from borrowers that the property is not in an HOA) payments on their primary residence. | 4/22 Client provided the PITIA for NON OO | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409011777 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | File contains a CD issued on XXX with no signatures or Tracking. Lender to provide confirmation if this CD was delivered to the borrowers. Additional conditions may apply. | 04/15/25 Client provided a signed LOE from Lender stating the XXX CD was generated to begin balancing with the title agent. The borrower did not receive a copy of the XXX CD. The Initial CD was issued on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 2 has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing PITI documentation for XXX/XXX; XXX; XXX XXX; and XXX Missing documentation for new Timberland loan with $XXX/month payment | 5/19 Client provided supporting docs for PITI and XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession | Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Initial LE is dated XXX and application date is XXX. LE not disclosed within 3 business days of the application. | 05/20/25 Client provided the XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession | Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI documentation for XXX/XXX; XXX; XXX; XXX and XXX | 5/19 Client provided PITI docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession | Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing 3rd party printout for XXX | 5/16 Client provided the VOE | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession | Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing documentation for new XXX loan with $XXX/month payment | 5/19 Client provided the XXX statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession | Client Complete |
| 409011895 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Waived B | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Borrowers cash out is $XXX. Max cash out for XXX% ltv is $XXX | 5/13 Client provided an approved exception to allow the file with cash out of $XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession | Client Complete |
| 409011919 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary in file, a revised CD XXX was issued and received by borrower on XXX. Disclosure is missing in file. | 05/01/25 Client provided the missing XXX CD, E-Consent and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409011919 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Coverage is XXX. $XXX is required. Provide additional coverage or RCE from Insurance company. | 4/30 Client provided the insurance RCE showing $XXX required | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409011919 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Insurance | Satisfied C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Effective date of XXX is prior to disbursement date, however the expiration date is XXX. Provide XXX year Hazard Insurance Binder. Additional conditions may apply | 4/30 Client provided insurance from XXX to XXX | Satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status Missing all pages of XXX and XXX 1040's and Business Returns including K1'sProvide documentation that borrower no longer owns XXX #XXX | 4/23 Client provided the income WS; Still Missing all pages of XXX and XXX 1040's and Business Returns including K1's and Provide documentation that borrower no longer owns XXX #XXX | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX | Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 4/28 Client provided a determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX | Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing all pages of XXX and XXX 1040's and Business Returns including K1'sIncome will be calculated once received. | 4/28 Client provided 1040s and 1120s with K1 supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX | Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | XXX Income WS not Provided | 4/23 Client provided the income WS supporting the qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX | Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing 3rd party VOE including the Business Address. | 5.6.2025 Client provided XXX Business Directory dated XXX (Post Close dated) and reflecting business address however no business status and provided processor Cert. Condition remains for 3rd party VVOE with status of business. 5.9.2025 Client provided post close dated (XXX) with status of business: XXX. however is post close. Condition remains for prior to closing SOS. 5.9.2025 Client provided exception approval to allow for post close SOS dated XXX with file having prior to closing end of year XXX P/L and YTD XXX paystubs for w2 wages currently being received by Business. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX | Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide documentation that borrower no longer owns XXX #XXX | 5.6.2025 Client provided LOX regarding borrower departure home XXX #XXX however initial condition is regarding XXX #XXX as reflected on Fraud report borrower having some ownership in this XXX #XXX as well. Condition remains to verify no longer have ownership with this property XXX #XXX5.9.2025 Client provided property profile detail for XXX #XXX and appears to own reflect as XXX. Condition remains to update 1003 adding to REO and any monthly payments and evidence/documentation of the monthly on this storage. 5.12.2025 Client provided LOX stating, HOA dues shows XXX is included in their HOA dues and Monthly fee of $XXX included in fee already included in DTI and provided copy of HOA statement reflecting XXX rental $XXX included in the HOA dues. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX | Client Complete |
| 409011924 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Property | Satisfied D A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing Condo Questionnaire | 4/23 Client provided the Condo Cert, a review shows the Condo has pending litigation, provide details of litigation for review 4.23.2025 Client provided HOA email stating pending litigation have been settled | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $XXX | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed.2. Missing proof of tax expense for XXX to support $XXX used to qualify. Only evidence of hazard in file.3. Missing proof of tax/insurance expense to support expense $XXX used to qualify. | 3.21.2025 Client provided evidence of taxes and hoi for XXX property supporting $XXX; condition remains for other requested documentation: 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed and 2. Missing proof of tax/insurance expense to support expense $XXX used to qualify. 3/24 Client provided supporting docs for XXX $XXX with no Ins, and mortgage statement supporting $XXX PITI for XXX, Provide additional supporting docs for $XXX to total $XXX used to qualify for XXX3.27.2025 Client provided LOX from Lender stating the $XXX amount is the mortgage payment as noted on the credit report. Mortgage statement previously provided stated PITIA payment is $XXX (including escrows) however payment made by borrower was $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 03/21/2025 Client provided missing List of homeowners counseling organizations dated XXX | Condition satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Required Affiliate Business Disclosure or FACTS doc is missing in file | 03/27/25 Client provided a signed LOE from Lender stating they do not have any affiliate business arrangements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX months consecutive statements from XXX to support liquid assets of $XXX used to qualify. | 3/24 Client provided XXX months statements | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed.2. Missing proof of tax expense for XXX to support $XXX used to qualify. Only evidence of hazard in file.3. Missing proof of tax/insurance expense to support expense $XXX used to qualify. | 3.21.2025 Client provided evidence of taxes and hoi for XXX property supporting $XXX ; condition remains for other requested documentation: 1. Missing proof XXX payment of $XXX is full PITI payment as disclosed (XXX.) and 2. Missing proof of tax/insurance expense to support expense $XXX used to qualify (XXX). 3/24 Client provided supporting docs for XXX $XXX with no Ins, and mortgage statement supporting $XXX PITI for XXX, Provide additional supporting docs for $XXX to total $XXX used to qualify for XXX3.27.2025 Client provided LOX from Lender stating the $XXX amount is the mortgage payment as noted on the credit report. Mortgage statement previously provided stated PITIA payment is $XXX (including escrows) however payment made by borrower was $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Lender XXX income calculation. | 3/24 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing Fannie UCDP. | 3.21.2025 Client provided FNMA UCDP CU Score 1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011935 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value. Missing Fannie UCDP or CDA. | 3.21.2025 Client provided UCDP FNMA CU Score 1 | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Mortgage history reports XXX mos. 0x30.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX years XXX months in same line of work.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Representative credit score XXX above program requirement XXX. | Client Complete |
| 409011959 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Title Lender's Title Insurance increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information.04/17/25 UPDATE: The tolerance violation amount is $XXX. | 04/24/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years,<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. | Client Complete |
| 409011972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI | Client Complete |
| 409011972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Provide ATR/QM Determination | 4/8 Client provided a compliance ease report with determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI | Client Complete |
| 409011977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Waived D B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. | 4/10 Client provided an approved exception to allow the file with a CU score of 2.5 supporting the appraised value | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; LTV below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX ; total reserves required $XXX. | Client Complete |
| 409012023 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 45 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409012041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing hazard dwelling coverage | 5.14.2025 Client provided HOI Policy for subject with sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years | Client Complete |
| 409012041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood cert | 5.12.2025 Client provided Flood Certification, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years | Client Complete |
| 409012050 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Legal Documents | Satisfied B A | CRDLGL2422 | Missing Purchase Contract | No | File is missing a copy of the fully executed purchase agreement. | 5.6.2025 Client provided executed Purchase Contract for subject supporting $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409012057 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide HOA for XXX 1003 shows $XXX/month Tax/Ins/HOA. Was able to verify $XXX/month taxes and $XXX/month HOI. Property is a Condo Missing XXX and XXX Personal and Business Tax Returns Missing XXX W2 for B1. XXX income will be calculated once received. Additional conditions may apply | 5.22.2025 Client provided XXX/XXX 1120S and 1040s supporting monthly income being used for B1 however considering YTD XXX P/L which is slightly lower income for DTI of XXX%; file have end of year XXX P/L and YTD XXX P/L; XXX/XXX w2's in file and compensation of officer reflected on 1120S and verified on 1040's and Transcripts. | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking details in file, a revised CD XXX and CD XXX were issued and emailed to borrowers. Disclosures are missing in file. | 05/23/25 Client provided the XXX and XXX CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 5.22.2025 Client provided Lender XXX w/QM Safe Harbor | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Credit/Mtg History | Waived B | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | Provide documentation that Tax Lien/Judgement for XXX filed XXX for $XXX is paid in full as required per Guidelines. Found on Fraud Report | 5.29.2025 Client provided exception approval for for missing documentation to support tax lien/judgment not being verified as paid dated Year XXX (XXX years) in amount of $XXX and borrower have sufficient funds to payoff, if applicable. | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide HOA for XXX. 1003 shows $XXX/month Tax/Ins/HOA. Was able to verify $XXX/month taxes and $XXX/month HOI. Property is a Condo | 5.22.2025 Client provided HOA invoice supporting monthly $XXX appears to be for XXX. due to LOX provided from borrower stating no other property having any monthly HOA and using this amount totals to $XXX a month for this property | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX and XXX Personal and Business Tax Returns Missing XXX W2 for B1. XXX income will be calculated once received. Additional conditions may apply | 5.22.2025 Client provided XXX/XXX 1120S and 1040s (and signed dated) supporting monthly income being used for B1 however considering YTD XXX P/L which is slightly lower income for DTI of XXX%; file have end of year XXX P/L and YTD March XXX P/L; XXX/XXX w2's in file and compensation of officer reflected on 1120S and verified on 1040's and Transcripts. Lender Cash Flow analysis in file and Schedule E properties listed on REO of 1003 and no rental income used. | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409012060 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Property Valuations | Property | Waived C B | PRVAPROP177 | Property Issues Indicated | No | Subject is a unique property which is not allowed per Guidelines. | 5.28.2025 Client provided exception approval for unique property | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, DTI XXX%, verified reserves of XXX months, fico score XXX and over XXX years at current address and at XXX | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months 0x30 on current mortgage<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409012082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | 4/8/25 WVOE for B1, page 1571 combined file, does not meet requirements for 3rd party XXX VOE. Provide the following for 1120, may be subject to additional conditions upon review. 'Verification of the existence of borrowers XXX must be verified through a third-party source and no more than XXX calendar days prior to the Note date Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source Listing and address of the borrowers business Name and title of person completing the verification and date of verification.' | 4.25.2025 Client provided post close dated 4.22.2025 SOS for B1 XXX employment: XXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXis XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required, or XXX months PITI ($XXX) for the subject property plus XXX months PITIA ($XXX) for an additional financed property owned. | Client Complete |
| 409012082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for B1 self-employment analysis. | 4/23 Client provided the 1084 | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXis XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required, or XXX months PITI ($XXX) for the subject property plus XXX months PITIA ($XXX) for an additional financed property owned. | Client Complete |
| 409012082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide updated DU findings due to > XXX% DTI differential due to differing income calcs for B1. May be subject to additional conditions upon review. | 4/23 Client provided the updated DU | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been self-employed with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXXis XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required, or XXX months PITI ($XXX) for the subject property plus XXX months PITIA ($XXX) for an additional financed property owned. | Client Complete |
| 409012084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409012085 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409012087 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409012106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide missing XXX XXX # XXX asset statement. Subject to asset recalc an my be subject to additional conditions upon review. | 4/23 Client provided an EMail, on review the XXX statement covers XXX months from XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same profession | Client Complete |
| 409012197 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH118 | Mortgage/rental lates exceed guidelines | No | Mortgage late HELOC 1x30 in past XXX months | 4/10 Client provided an approved exception to allow the file with a 1x30 mortgage pmt history | xxx final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co Borrower at current employment XXX years<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409012207 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409012209 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409012209 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide third party VOE for B1 prior XXX 1120s from XXX - XXX to complete required XXX year employment history. Processor cert, page 658 combined file states: 'confirmed with the XXX that above business is active. See attached business search.' Business search is not attached; please provide. May be subject to additional conditions upon review. | 5.16.2025 Client provided copy of SOS business search for prior XXX verifying currently active and started as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409012209 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Waived C B | CRDINC150 | Income docs do not meet guidelines | No | INCOME: USING CURRENT BASE, VERIFIED WITH EMPLOYMENTCONTRACT AND PAYSTUB. YTD SUPPORTS. BORROWER WAS PREVIOUSLY XXXINCOME FROM PREVIOUS BUSINESS IS INLINE WITH INCOME THAT WILL BE EARNED FROM XXX VIA BASE AND BONUS, SO HISTORY SUPPORTS NEW WAGES WHICH ISCONSIDERED A MORE STABLE INCOME SOURCE. EMPLOYMENT CONTRACT SHOWS SIGN ON BONUS OF $XXX AND CONFIRMS WILL BEISSUED IN INSTALLMENTS THROUGHOUT THE YEAR, WHICH EXPLAINS WHY PARTIAL PAYMENT SHOWN ON PAYSTUB .SHOWS SECOND YEARBONUS WILL BE $XXX . STATES BORROWER WILL BE GRANTED RSU INCOME WHICH WILL VEST OVER XXX YRS . RSU NOT ELIGIBLE, SOUSED CALCULATION PER XXX EMPLOYEE SIGN-ON BONUS VARIANCE FOR XXX:$XXX+$XXX=$XXX/XXX=$XXX/MONTH. EXCEPTION DUE TO USE OF THE BONUS INCOME TOQUALIFY. SINCE THE BORROWER DOES NOT HAVE A XXX YEAR HISTORY OF RECEIVING RSU INCOME, EXCEPTION REQUIRED TO ALLOWUSE OF XXX EMPLOYEE SIGN-ON BONUS VARIANCE. | 5/15/25 XXX comments - approved Client exception in yet applied due to open conditions 5.16.2025 Client provided exception approval to allow use of the bonus income to qualify since the borrower does not have a XXX year history of receiving RSU income. Exception approval to allow use of XXX Employee sign-on Bonus variance. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, fico score XXX and over XXX years at current residence and reserves verified of XXX months | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409012242 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | The file does not contain a copy of the required Affiliate Business Disclosure. | 04/24/2025 Client provided a signed letter of no Affiliates. Saved to List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409012242 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409012244 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Minimum credit score required is XXX. Loan credit score is XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: Maximum DTI allowed is XXX%. Loan DTI is XXX%. | Client Complete |
| 409012267 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Missing final CD acknowledged by borrowers at closing XXX | 04/25/2025 Client provided LOE stating: The referenced Loan is a Hybrid. The Final CD was signed electronically on XXX. therefore, the CD included in the closing package is the Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX+ REO $XXX \* XXX = $XXX/mo. | Client Complete |
| 409012267 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Discount Points on initial CD XXX. COC found in file dated XXX indicating a rate lock however a corresponding LE is missing in file. Per tracking, a revised LE XXX and LE XXX were issued and received by borrowers but are missing in file. Provide all disclosures for further testing. Additional conditions may apply. | 04/25/2025 Client provided missing LE's XXX and XXX. Retesting results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX+ REO $XXX \* XXX = $XXX/mo. | Client Complete |
| 409012275 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide LOE from Borrower regarding the decline in bonus income | 4.23.2025 Client provided updated 1008 and DU AUS with updated DTI of XXX% removing bonus income | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409012275 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Provide credit supplement that XXX is closed. Shows open on credit report. LOE from Borrower states it is closed, however need documentation it is closed | 4/28 Client provided evidence that XXX is closed | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409012300 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Documentation | Satisfied B A | CMPDOC3268 | Note in file is incomplete | No | Top of Page 2 of the Note is cut-off. Provide complete copy of Note. | 05/30/25 Client provided the complete legible Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; XXX% max allowed. | Client Complete |
| 409012306 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has Good credit history with XXX Late Payments > XXX Months | Client Complete |
| 409012310 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | DTI | Satisfied B A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI XXX%. (over XXX% pricing) Lender used $XXX/month Commissions for B1. Review used $XXX/month. Used YTD $XXX = XXX $XXX/XXX. Did not use "other" income as it has a significant decline from XXX to XXX and $XXX for YTD XXX | 6.9.2025 Client provided end of year XXX/XXX paystub to support other income on Written VOE is all tied to Commission income vs being true other income, updated commission income being used is an average of XXX/XXX for an updated DTI of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI | Client Complete |
| 409012316 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXXYears in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409012347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to Tax Service fee increased on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund. | 05/14/25 Client provided an Email from Lender with LOS screen shot of the XXX request to remove escrows. Condition remains. Reason is not a valid change for increasing the Tax Service Fee. Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery.05/15/25 Client provided an Email LOE from the Lender with a screen shot of the Fees that can change with the Escrow Waiver. Reviewed and accepted by internal Compliance counsel. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409012347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 5.12.2025 Client provided LOX stating, XXX accepts xxx QM SH APOR determination. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409012347 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide copy of 3rd party printout for XXX | 5.12.2025 Client provided SOS dated XXX for business: XXX | condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409012427 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409012467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing a copy of fully executed Mortgage with, if applicable, all Riders. | 05/09/25 Client provided the missing Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXXX exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXX years. | Client Complete |
| 409012467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | XXXX Home Equity | Satisfied C A | CMPTXHE324 | XXXX Equity - Security Instrument is not a Fannie/Freddie standard form | No | Condition triggered due to missing a copy of Mortgage in file. | 05/09/25 Client provided the missing Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXXX exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXX years. | Client Complete |
| 409012467 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | XXXX Home Equity | Satisfied C B | CMPTXHE119 | XXXX Equity - Affidavit of Fair Market Value not signed by lender | No | XXX Equity - Affidavit of Fair Market Value not signed by lender | 05/09/25 Client provided a copy of the XXX Affidavit signed by the Lender. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXXX exceeds guide lines.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXXX%<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXX years. | Client Complete |
| 409012468 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409012473 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing For RSU calculation: A XXXXX) year average of prior income received from RSUs or stock options should be used to calculate the income, with the continuance based on the vesting schedule using a stock price based on the lower of the current stock price or the XXX-week average for the most recent XXX(XXX) months reporting at the time of application. The income used for qualifying must be supported by future vesting based on the stock price used for qualifying and vesting schedule. | 5/29 Client provided a vesting schedule WS and the Current stock price; Missing the XXX week avg with source doc and missing the income calculation WS 6.2.2025 Client appears to be providing duplicate (in file) end of year XXX paystub and YTD XXX paystub and income worksheet (don't include the calculation of RSU continuance), we are still missing per initial condition and prior update: (1). Missing lender RSU calculation of continuance RSU income using lower of the current stock price or the XXX-week average for the most recent XXX(XXX) months reporting at time of application and (2). provide the current stock price and the XXX-week average (for the most XXX months reporting at the time of application) used for continuance calculation (the lower of the two will be used for calculation) and (3). vesting Schedule supporting continuance for calculation Note: Lender states: the borrower's XXX vesting statement will not be released until late XXX/early XXX (subject Note date XXX) 6/4 Client provided stock price and XXX Week avg stock price and the RSU continuance calculation using the lower XXX W avg stock price and XXX months vesting; On review Condition remains for the XXX vesting schedule supporting continuance calculation6.13.2025 Client provided copy of Borrower RSU Award Vesting Schedule for XXX with calculation supporting continuance of RSU income that was used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years | Client Complete |
| 409012478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409012499 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Waived D B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation | 4/17 Client provided an approved exception to allow the file with a CU score of 1.7 supporting the appraisal | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; DTI below GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing PITI verification and mortgage history for rental property at XXX. | 5/5 Client provided the TI and evidence free and clear | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 05/05/25 Client provided a duplicate copy of the Service Provider List. Condition remains. Provide the missing Homeowners Counseling Organizations List.05/07/25 Client provided the missing HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 05/05/25 Client provided a signed LOE stating they have no affiliate business relationships. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing mortgage history for rental property at XXX. Application indicates the property is owned free and clear, but no documentation to support this. REO report on fraud report shows a $XXX loan. | 5/5 Client provided Dec page showing no mortgage on the insurance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409012515 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing PITI verification and mortgage history for rental property at XXX. | 5/5 Client provided taxes and insurance and evidence no mortgage on the INs binder | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409012554 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX | Client Complete |
| 409012576 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | 05/13/25 Client provided a signed LOE from Lender stating the CD issued XXX was a working CD and not provided to the borrower. Supported by the Disclosure Tracking in file showing the XXX CD was the Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409012577 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and one financed REO.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score | Client Complete |
| 409012578 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409012604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409012604 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX as Recording Fees increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/02/25 Client provided a copy of the XXX CD and a missing XXX COC. Condition remains. The COC does not provide a valid Reason/Explanation for the Recording Fee increase. Provide further explanation with supporting documentation for review. Additional conditions may apply, including refund to borrower.05/06/25 Client provided an LOE from Lender with a screen shot of a XXX Prelim CD (Section E). LOE states they received the closing agents fees on XXX which contained a charge for a Correction Agreement to be recorded in the amount of $XXX. This is not a customary fee they charge so they added a COC for this fee the date they were made aware of it. Condition remains. Receiving fees from the closing agent is not a valid Change in Circumstance Reason. Provide supporting documentation, from the time of the change, that reflects what Change occurred that resulted in the added charge. Additional conditions may apply.05/08/25 Client provided an LOE to borrower, XXX PCCD with cure and $XXX refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409012608 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 at current employment XXX years | Client Complete |
| 409012734 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409012734 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in the amount of $XXX as Recording Fees were added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/03/25 Client provided a duplicate copy of the XXX COC stating the first LE was missing the transfer taxes and this resulted in a cure of those fees. Condition remains. The cure at closing covered all of the transfer taxes, however the revised XXX LE also reflected the added Recording fee that was not present on the Initial LE. There was no valid COC for this addition. Borrower is due an additional refund of $XXX, PCCD with increased cure, LOE to borrower and proof of delivery that includes tracking.06/09/25 Client provided a XXX PCCD increasing the cure amount, LOE to borrower and proof of shipment. Condition remains for a copy of the $XXX refund check.06/12/25 Client provided the $XXX refund check. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409012737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing Secretary of State printouts from XXX and XXX | 5.7.2025 Client provided SOS for XXX requested employment businesses however not dated. Condition remains 5.15.2025 Client provided post close dated 5.15.2025 for 3 requested employment businesses however XXX says effective XXX and this is where the majority of income is coming from. Further clarification is needed, did business name change? currently says effective date XXX and Note: Year XXX income was not used, XXX is under extension and Final 1003 says XXX start date XXX; provide the SOS (w/XXX) verifying start date XXX per Final 1003 5/15 Client provided a SOS search showing XXX effective as of XXX | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXXGuidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409012737 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Missing XXX Most Recent 1040 Tax Returns & Transcripts or XXX extension | 5.7.2025 Client provided Lender LOX stating XXX personal has not been filed yet, Deadline this year is XXX due to Hurricane XXX, condition remains to provide documentation (for loan file) to support new deadline due to Hurricane. 5.15.2025 Client provided IRS announcement regarding extension of XXX 1040 deadline, postpone to XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXXGuidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409012748 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1750: High potential for increased earnings<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409012778 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Assets: Borrowers have Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX in reserves. Required: XXX months XXX , not met. Provide additional asset statements, meeting guidelines, supporting borrowers had required reserves | 5/23 Client provided an Email that total verified assets are $XXX ; Upon review as XXX the balance is XXX 401K is $XXX after stock sale; per 1003 balance was $XXX after stock sales; Condition remains 5/29 Client provided an Email; upon review the 4/27 stock sales statement supports the only XXX from the account was $XXX as of XXX leaving a balance of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: 807 Median FICO >XXX points above guideline program minimum of XXX.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are conservative credit users; minimal outstanding debt. | Client Complete |
| 409012791 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | Documentation | Waived B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | Per HUD $XXX was held in escrow for Sod, Fence, Screens, & Irrigation; Provide evidence of release and certificate of completion. Must be completed no later than XXX. XXX responsible for sending 1004D with items completed and documentation to show escrow funds released. | 5/15/25 XXX: Approved Client exception not yet applied due to items above not yet met5.19.2025 Client provided exception approval to allow Escrow Holdback work not yet being completed | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXXX months PITIA and required is XXX months plus XXX months for 1 REO | Client Complete |
| 409012805 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Tax Service Fee increased on LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/05/25 Client provided an Email LOE stating after the Initial LE the loan officer modified the loan into escrow waiver and disclosed the increased tax service fee. A screenshot of the 3/31 Escrow Waiver change description was also provided. Condition remains. Provide documentation to support the tax service fee relates to the escrow waiver, as the COC in file only reflects the Rate Lock.06/09/25 Client provided another Email with a screenshot of a partial fee matrix. Condition remains. The Email states the attached fee matrix shows what can change when a borrower moves into or out of escrow, however the screenshot is cut off. Provide the full screenshot that reflects the fee change for the escrow waiver.06/11/25 Client provided a full screenshot showing the Empower Fee change that includes the Tax Service Fee for Escrow Waivers. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower 2 has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409012814 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Application | Satisfied B A | CRDAPP1813 | Undisclosed non-arm's length transaction | No | Page one of appraisal states: 'Non-arms length sale'. Provide Borrower LOE stating relationship for NAL. Subject to full review and may be subject to additional conditions. | 5.29.2025 Client provided borrower LOX email stating do not know anyone in the transaction. Response, the initial condition is per the appraiser statement on pg. 1 of appraisal stating this is Non-arms length sale, with LOX from borrower no relationship unknown appraiser data stating as non-arms length sale. Condition remains for appraiser comment on stating non-arms length sale. 5.30.2025 Client provided updated appraisal reflecting as Arms length transaction | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge understated by $XXX due to Title Attorney fee not being included into calculation. Condition is pending receiving a copy of refund, LOE to borrower, PCD, re-open rescission to all title holders with dates allowing for method of delivery and proof of shipping with tracking. | 05/20/25 Client provided 2 copies of a corrected XXX PCCD, $XXX refund check, LOE to Borrower and proof of delivery (date of delivery is XXX). Condition remains. Provide the missing ROR forms reflecting the reopened rescission period.05/23/25 Client provided the fully executed ROR's, signed XXX with Expiration extended to midnight of XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. | Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Finance charge understated by $XXX due to Title Attorney fee not being included into calculation. Condition is pending receiving a copy of refund, LOE to borrower, PCD, re-open rescission with dates allowing for method of delivery and proof of shipping with tracking. | 05/20/25 Client provided 2 copies of a corrected XXX PCCD, $XXX refund check, LOE to Borrower and proof of delivery (date of delivery is XXX). Condition remains. Provide the missing ROR forms reflecting the reopened rescission period.05/23/25 Client provided the fully executed ROR's, signed XXX with Expiration extended to midnight of XXX. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. | Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | DTI | Satisfied B A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI (over XXX%) due to using $XXX/month for XXX and $XXX/month for XXX. | Client asked for clarification, This DTI condition is informational only Client 1008 DTI is XXX% and our DTI is XXX%; difference is due to using $XXX a month for property XXX and using $XXX a month for property XXX. It appears the full PITIA of $XXX (on REO) for both properties, the full PITIA of $XXX was not being used in Lender DTI; provide PITIA documentation to support the PITIA payment on both properties being used by Lender. 5/6 Client provided supporting docs for PITI XXX $XXX; Data entry corrected from $XXX DTI XXX. | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. | Client Complete |
| 409012815 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard insurance dwelling coverage of $XXX is insufficient. A replacement cost estimate from the insurance provider is required. | 5/6 Client provided the insurance Co RCE of $XXX showing sufficient coverage | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves in required. | Client Complete |
| 409012837 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409012840 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. | Client Complete |
| 409012840 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculations for both borrowers. | 6/6 Client provided income Ws | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. | Client Complete |
| 409012843 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409012854 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 87 points above the minimum required score of XXX. | Client Complete |
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing income documentation for wage earner employment and XXX | (No Data) | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal verification of employment for XXX. | 5/22 Client provided the VOE | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2302 | Missing Required Income Documentation | No | Missing VOI or year-to-date pay stub and XXX-year W2s for XXX. Also, missing XXX-year personal, business tax returns and XXX year tax transcripts for XXX. | 5/22 Client provided taxes W2s and transcripts supporting qualifying income | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012875 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Collateral Desktop Analysis (CDA) ordered from XXX or Collateral Underwriter (CU) score of 2.5 or less supporting the appraised value of $XXX. | 5/22 Client provided a CU score or 1.0 supporting the appraised value | Satisfied | (No Data) | Not Applicable | (No Data) | Client Complete |
| 409012902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409012967 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409012970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per disclosure tracking in file, two LEs were emailed (and received by borrower) on XXX - initial and revised. Only one LE dated XXX is in file. Provide missing LE. | 05/19/25 Client provided the missing Initial XXX LE. Revised LE in file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409012970 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD dated XXX found in file and tested as initial CD. Missing borrower's acknowledgment of receipt min XXX days prior to closing date. | 05/19/25 Client provided a signed LOE from Lender stating the XXX CD was pulled to balance with title company and was never provided to the borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409012988 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $XXX as Discount Points for $XXX added and Lender Credits decreased by $XXX on LE X; Trust XX Review Fee of $XXX was added to CD XXX all without a Change of Circumstances in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/29/25 Client provided the complete XXX LE package including the Rate Lock and COC validating the Points/Credit changes. Remaining $XXX violation was cured at Closing via Lender Credit. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | File is missing final, signed 1003s for both borrowers with updated/completed citizenship status, employment status, income, assets, REO, etc. | 5/29 Client provided signed 1003s | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Assets | Satisfied C A | CRDAST3036 | Assets reflect unsourced deposits | No | File is missing documentation verifying wire deposit of $XXX on XXX into XXX account \*XXX was from the borrowers' XXX annuity accounts \*XXX and \*XXX. | 5/29 Client provided funds to close | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | 1) File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX(XXX) business days prior to the Note date for B1.2) File is missing verification of the existence of co-borrowers self-employment verified through a third-party source and no more than 120 calendar days prior to the Note date for B2. | 5/29 Client provided a XXX PC dated VOE for B1 meeting GL requirements; still missing XXX VOE for B25/30 Client provided the XXX VOE PC dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Primary borrower is employed by XXX . File is missing XXX/XXX IRS tax transcripts. | 5/29 Client provided the transcripts | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409013017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for co-borrower's XXX analysis. | 5.19.2025 Client provided LOX stating uploaded Cash Flow Income Analysis from file, however did not receive. Please re-send. 5.19.2025 Client provided Lender Cash Flow Income Analysis worksheet for XXX B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409013023 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409013033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines. | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing 1065, K1's and updated VOE information | 5.29.2025 Client provided XXX1120S along with both borrowers k1's and appears in year XXX business was 1065 and in year XXX business is 1120S and provided Lender Cash Flow Income Analysis for both borrowers, condition remains, 1120S XXX was provided however not signed dated and missing VVOE 6.11.2025 Client provided pg1 1120-S XXX signed and post close dated and previously provided VVOE documentation however 1120S was signed by XXX% owner XXX condition remains for 1120S XXX signed by owner (XXX %) XXX. 6.13.2025 Client provided signed dated pg. 1 of 1120S XXX by owner (XXX% owner) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 05/28/25 Client provided the HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 05/28/25 Client provided an LOE from the AVP of Closing stating they do not have any affiliate business arrangements. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | 1. Page 454 combined file - Borrower Website Printout, business ph # XXX2. Page 461 combined file - XXX search printout, business ph # XXX and XXX3. Final 1003 Page 752 & 754, business ph # XXXProvide sufficient documentation to support which phone #(s) are accurate / to reconcile discrepancies. May be subject to additional conditions upon review | 6.3.2025 Client provided Borrower lox email regarding phone numbers with XXX and provided breakdown listing of several numbers used for the business however all numbers are tied to one main line. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide missing XXX 1065, signed / dated, and K1's for both Borrowers. Subject to full income calc - and may be subject to additional conditions upon review | 5.29.2025 Client provided XXX 1120S along with both borrowers k1's and appears in year XXX business was 1065 and in year XXX business is 1120S and provided Lender Cash Flow Income Analysis for both borrowers, condition remains, 1120S XXX was provided however not signed dated. 5.29.2025 Client provided duplicate, previously provided copy of 1120S XXX business returns however not signed/dated. Condition remains for signed/dated 1120S XXX (previously requested) 5.29.2025 Client provided signed dated 1040 XXX/XXX and 1065 XXX however still missing signed/dated 1120S for Year XXX.6.11.2025 Client provided pg1 1120-S XXX signed and post close dated by XXX however XXX only having XXX% ownership, condition remains for signed dated 1120S XXX by XXX (XXX% owner) 6.13.2025 Client provided signed dated 1120S XXX by XXX% owner | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide missing XXX 1065, signed / dated, and K1's for both Borrowers. Subject to full income calc - and may be subject to additional conditions upon review | 5.29.2025 Client provided XXX 1120S along with both borrowers k1's and appears in year XXX business was 1065 and in year XXX business is 1120S and provided Lender Cash Flow Income Analysis for both borrowers, this condition is being satisfied however missing signed dated 1120S XXX, separate condition on file for the signatures. Income used by Lender is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Per guidelines, provide below: Income calculations should be based on the Fannie Mae Form 1084 or Freddie Mac Form 91 or equivalent income calculation form | 5/28 Client provided the 1084 income WS for each Borrower | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing Trust documents/certification of trust | 5/28 Client provided the executed Trust Docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing updated valuation Value not yet supported May be subject to additional conditions upon review | 5.29.2025 Client provided UW collateral review worksheet however what is missing is the 3rd party CDA valuation supporting appraised value. 6.11.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 > XXX months | Client Complete |
| 409013043 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for XXX years | Client Complete |
| 409013058 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Assets | Satisfied B A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing 2nd consecutive statement for all assets XXX XXX XXX, XXX XXX XXX, and XXX XXX XXX | 6/12 Client provided a 2nd consecutive statement for each account | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% | Client Complete |
| 409013061 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for Self-Employed ($ XXX X XXX = $ XXX) | Client Complete |
| 409013061 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Title Survey fee was added without a valid COC in file to support it and fee is not listed in Service Provider's List. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/30/2025 Client provided PCCD XXX with cure, copy of cure check, COC/LOE and In transit shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for Self-Employed ($ XXX X XXX = $ XXX) | Client Complete |
| 409013061 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing HUD from sale of REO \* XXX to reflect Net Proceeds of $ XXX as reflected on the 1003 | 6/6 Client provided the HUD from sale of REO with sufficient proceeds | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post-Closing Reserves of $ XXX as XXX months PITIA Guidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for Self-Employed ($ XXX X XXX = $ XXX) | Client Complete |
| 409013068 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXX min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current home | Client Complete |
| 409013076 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increased Discount Points on initial CD XXX (missing Rate Lock confirmation with updated Interest Rate) and further increase on final CD XXX with no COC in file. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/28/25 Client provided a XXX COC and XXX COC. The XXX COC validates the Points addition on the XXX CD due to the Rate decrease, however the XXX COC for the Points increase indicates the Reason was for a Lock Extension. Per the LE and initial Lock Agreement in file, the Lock did not expire until XXX and the loan Disbursed on XXX. Provide supporting documentation that the Lock was set to expire prior to Disbursement.XXX Client provided an LOE from Lender with screen shots from the Lock Desk showing the pricing adjustment on XXX due to the DTI, not an extension. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months | Client Complete |
| 409013079 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B3 has XXX years in bus<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years and XXX years at current homes<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months + XXX months for XXX financed REOs | Client Complete |
| 409013079 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance of $XXX due to Notary fees, and Title Endorsement fees increased on XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/04/25 Client provided a XXX PCCD with $XXX principal reduction cure, LOE to borrower and payment history reflecting the PR deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B3 has XXX years in bus<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years and XXX years at current homes<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months + XXX months for XXX financed REOs | Client Complete |
| 409013079 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing 1084 form for XXX | 5.22.2025 Client provided Lender Cash Flow Income Analysis | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B3 has XXX years in bus<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years and XXX years at current homes<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months + XXX months for XXX financed REOs | Client Complete |
| 409013080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of VOEs | 6/6 Client provided the VOEs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013080 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B1:K1 XXX%: XXXK1 XXX%: XXXProvide VOES for above meeting wage earner guidelines, as < XXX% K1.May be subject to additional conditions upon review. | 6/6 Client provided the VVOE for XXX; still missing the VVOE for XXX6/6 Client provided the VVOE for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective profession for XXX and XXX years. | Client Complete |
| 409013082 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Waived B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B2 2nd job employment income, missing VVOE for 2nd job, B2 have XXX% ownership with this employment w/XXX Possibly works for B1 XXX | 5.19.2025 Client provided post close VVOE for B2 (2nd job w/XXXClient provided exception approval for post close VVOE for B2 2nd job, file not having a prior to closing VVOE however CPA letter in file verifying the business active and states both borrowers name on CPA Letter and most recent paystub in file dated XXX and Note date XXX | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective profession for XXX and XXX years. | Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | COC dated XXX found in file indicating pricing change. Missing a revised LE confirming rate lock with increased lender's credit. | 05/28/25 Client provided the missing XXX LE and Lock. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final CD does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Discount Points $XXX and decreased Lender's credit of $XXX on final CD XXX. COC dated X doesn't XXinclude a valid reason for this change and no updated rate lock found in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 05/28/25 Client provided a missing XXX LE and Lock, with the updated XXX Lock and LOE for the Points/Credit change on the Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing HOA for XXX, XXX, XXX, and XXX , and missing if applicable mortgage statement for XXX, rental income to be completed | 5/23 Client provided HOA for XXX, XXX, XXX and XXX with Mtg stmt for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing XXX income for B1 $XXX | 5/23 Client provided the award letter | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409013083 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing Disability income for B2 $XXX, additional condition may apply | 5/23 Client provided evidence of deposits of disability pension fr XXX$XXX with XXX months statements | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409013085 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409013086 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final CD does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409013089 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $XXX due to Points increased from LE to CD. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 06/03/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXX XXX: $XXX x XXX = $XXX | Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | File is missing page xxx of Final CD xxx. Fees were tested from a revised CD xxx. Provide complete copy of CD xxx for further testing. | 05/21/25 Client provided all pages to the Final xxx CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXXX years at current home<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX score exceeds XXXX min | Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $xxx as Appraisal Fee increased on LE xxx without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 05/27/25 Client provided a xxx PCCD with cure, $xxx refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXXX years at current home<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX score exceeds XXXX min | Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Client indicated accounts on F 1003 with xxx #xxx and xxx and xxx; Provide xxx months asset statements for each | 5/19 Client provided the asset statements | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXXX years at current home<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX score exceeds XXXX min | Client Complete |
| 409013099 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide an xxx cash flow analysis of the xxx month xxx used for qualifying showing no negative impact to the xxx | 5/20 Client provided a cash flow analysis; however it is not dated and missing the preparer information; condition remains5.21.2025 Client provided duplicate of the prior document but is dated and reflect xxx xxx however this don't reflect support as a Cash Flow Asset Analysis covering xxx months of xxx this lender LOX is a combination of assets used, cash flow analysis to cover only xxx xxx months asset account being used: xxx and to show having no negative impact to xxx. Condition remains 5/22 Client provided the cash flow analysis | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXXX years at current home<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX score exceeds XXXX min | Client Complete |
| 409013116 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX as Appraisal Reinspection Fee was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/09/25 Client provided a missing XXX COC and Revised XXX LE validating the Reinspection Fee. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 : XXX years B2 : XXX years | Client Complete |
| 409013142 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a Loan Estimate was issued on XXX which is missing from the file. LE is required for further testing, additional conditions may apply. | 06/10/25 Client provided the XXX COC and XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 80 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409013158 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income documents | 6/1 Client provided the income docs | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. | Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Final CD is missing. | 06/02/25 Client provided the signed, Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. | Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & E are not disclosed on Initial CD XXX; Seller's CD in file & able to test w/ Initial CD; Condition pending receipt of missing Final CD. | 06/02/25 Client provided the missing, signed Final CD that reflects all Seller closing costs. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. | Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Lender to provide an ATR/QM status determination | 6/1 Client provided the XXX with determination | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. | Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing complete with all schedules XXX/XXX 1040s and 1120S tax returns supporting net qualifying income of $XXX monthly. | 6/1 Client provided XXX/XXX 1120s 1040s and transcripts | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. | Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide missing 1120s and 1040 returns as required per guidelines. Subject to full income calc and may be subject to additional conditions upon review. | 6/1 Client provided 2023/2024 1120s 1040s and transcripts | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. | Client Complete |
| 409013177 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing Profit & Loss statement from XXX-XXX for XXX prepared / signed by CPA or Borrower. | 6/1 Client provided the P&L | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXXmonths. | Client Complete |
| 409013180 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowers have been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves. $XXX in reserves required. | Client Complete |
| 409013193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | File is missing XXX and YTD P&L statements for borrowers' secondary business listed in the final 1003. | 5/29 Client provided The YTD and XXXP&Ls supporting qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowers have been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves. $XXX in reserves required. | Client Complete |
| 409013193 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | File is missing the Fannie Mae 1084, or Freddie Mac Form 91 or equivalent for self-employment analysis for both borrowers. | 5/30 Client provided the income WS | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrowers have been XXX with current business since XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves. $XXX in reserves required. | Client Complete |
| 409013194 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC806 | Notary Status is missing | No | Mortgage is missing Notary status. Provide copy of notarized mortgage. | 05/29/25 Client provided the fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required. | Client Complete |
| 409013194 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC869 | Mortgage not signed | No | Mortgage is missing borrower signatures. Provide copy of signed mortgage. | 05/29/25 Client provided the fully executed Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required. | Client Complete |
| 409013211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409013211 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide signed XXX 1065 | 5.29.2025 Client provided 1065 XXX signed dated | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years | Client Complete |
| 409013216 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing an additional $XXX in borrower funds for reserves to meet XXX AUS program XXX mo. of subject PITI and XXX mo. of REO PITI requirement on a cash out w/ loan amt >XXX | 5/29 Client provided an approved exception to allow the file with $XXX verified reserves | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing evidence of both borrowers' business existences verified through a third-party source no more than XXX calendar days prior to note date XXX as outlined in XXX AUS program guidelines. VOE provided reflects XXX.gov was the source however evidence was not provided. | 5.6.2025 Client provided SOS dated XXX and XXX for both businesses: XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | LTV/CLTV | Waived C B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | XXX% LTV exceeds max XXX% due to loan amount of $XXX exceeding the C/O max of $XXX. | 5/29 Client provided an approved exception to allow the file with a XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013270 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Waived B | CRDTER110 | Loan amount exceeds guideline maximum | No | $XXX loan amount exceeds maximum of $XXX for C/O for XXX AUS program. | 5/29 Client provided an approved exception to allow the file with a loan amount of $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013278 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409013278 | XXXXXX | XXXXXX | QM: Rebuttable Presumption | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to added Survey fee $XXX on initial CD XXX to C. section with no valid COC in file. Survey provider is not listed on SPL as a shoppable service and is tested together with Recording fee for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 05/28/25 Client provided an Email response from the Seller stating: The survey fee is in the 1300 section (other), there is no tolerance which means a COC wasn't required. Also, please note this isn't a fee that was charged by title, it was paid to a 3rd party, XXX. This is a service the borrower could shop for. Condition remains. The fee was not disclosed on the LE as a shoppable fee and there was no provider listed for this service on the SPL. If the Survey was not required by Title, please provide a detailed LOE and corrected PCCD placing the Survey Fee in Section H, not Section C.05/30/25 Client provided an LOE and PCCD correcting the placement of the Survey Fee to Section H. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409013280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, the file is missing Initial CD XXX and Revised CD XXX | 06/03/25 Client provided the missing, Initial and Revised XXX CD's. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XX | Client Complete |
| 409013280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/03/25 Client provided the missing, Initial 4/24 CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XX | Client Complete |
| 409013280 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD acknowledged by borrowers min 3 days prior to closing. | 06/03/25 Client provided the missing, Initial XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XX | Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3604 | TRID - Error discovered on Closing Disclosure | No | 06/11/25 Client provided a XXX PCCD to cure an Escrow Account error, however the Loan Term on page 1 was incorrectly changed to XXX yr. XXX mo. The Loan Term is only XXX yr. Provide an LOE to borrower with a corrected PCCD. | 06/13/25 Client provided an LOE and corrected XXX PCCD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID5741 | TRID - CD: In the CD Escrow section, You will have an escrow account is indicated, but any of the Escrowed Property Costs or Escrow Payment = $0 or Null | No | CD XXX Loan Disclosures Section: Non-Escrowed amount was disclosed under "will have an escrow account" instead of under the "will not have an escrow account" section. Condition is pending LOX with corrected PCD to borrower. | 06/04/25 Client provided an LOE dated XXX and a CD Issued XXX. Condition remains. The LOE verbiage is indicative of a letter sent with the Initial CD, not for the corrective items needed post-closing. Also, the file already contains a XXX Post Close CD so this XXX CD was issued on the closing date. Provide a corrected Post Close CD, issued on the date of correction, that only contains the No-Escrow section (amount in the Escrow section should not be present). If an LOE is attached, please provide a valid explanation for the borrower.06/11/25 Client provided a XXX LOE and PCCD moving the Escrows to the No Escrow section. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Satisfied D A | CRDINC2157 | Missing Signed 4506 in file | No | Missing fully executed 4506C for B1 | 5/27 Client provided the 4506C | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409013293 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Missing copy of certification of trust | 6.3.2025 Client provided copy of Trust Agreement however missing executed copy of Certification of Trust. Condition remains for Certification of Trust 6.5.2025 Client provided executed Certification of Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409013330 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job. | Client Complete |
| 409013335 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Credit score exceeds XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: b | Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income and REO docs | 6/12 Client provided all required income docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work | Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Per guidelines, provide most recent XXX month VOM.Translated and converted, if applicable. | 6/12 Client provided the VOM with translation | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work | Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1. Provide sufficient documentation supporting US $XXX PI and $XXX TIA for XXX REO on 1003.2. Provide full translations and conversions, including amounts, frequency of payments, due dates, etc., for: a. XXX mortgage statement. Property tax statement3. Provide translated and converted HOI policy or Borrower executed LOE stating no HOISubject to DTI and reserves recalc and may be subject to additional conditions upon review. | 6/12 Client provided a VOM with translation and currency exchange rate supporting qualifying payment | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work | Client Complete |
| 409013343 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide the following - subject to full income recalc, as Lender income was used by xxx until below docs reviewed / received:1. 'Income calculation worksheet or 1008 with income calculation. The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets' xxx currently unable to confirm Lender's calc. 2. If XXX 1065 used in income evaluation / calc, provide clarification of why there are two K1's for B1 and confirmation of how they were used in income calc 3. CPA LOE page 333 combined file states: 'Upon returning to the XXX tentatively set onXXX, B1 will be earning an annual salary from XXX(Company) of$XXX excluding bonuses and dividends from the Company' Note date is XXX, above was only income was used by Lender. Provide documentation this income started prior to XXX, or sufficient documentation for support of it's use. 4. XXX 1120 Return or Extension, if 1120 used for income calc | 6/12 Client provided an Email; upon review by xxx XXX; Borrowers income is documented with schedule C and CPA letter; 1120c Corp was form XXX, Borrower was a resident of XXX and per CPA letter was paid by C Corp as a contractor via 1099 while living outside the XXX; the 1099 income is documented and supported by 1040s XXX/XXX schedule C which meets DU approval; CPA letter indicates a base pay of $XXX will be paid beginning XXX YTD C Corp distributions verified via bank statement significantly exceed the annual $XXX salary used to qualify | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: XXX years same line of work | Client Complete |
| 409013350 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Credit Report form $XXX on LE XXX to $XXX on CD XXX with no valid reasons documented don COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/03/25 Client provided a XXX PCCD with cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \*XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required. | Client Complete |
| 409013365 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX Min<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current home | Client Complete |
| 409013369 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409013450 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status Provide annual tax calculation for subject of $XXX. Doc in file that shows this amount as an estimate. Property Report shows annual amount of $XXX.Provide calculation for HELOC payment of $XXX/month for REO. Provide documentation that XXX#XXX has < 10 payments. | 6.19.2025 Client provided updated 1008 including taxes of $XXX and provided duplicate HELOC documents and LOX stating using XXX% of balance for monthly $XXX and provided XXX payoff quotes for #XXX which show two different payoffs balances however still missing evidence (statement) XXX balance that was paid off; statement needed to support where (asset account) balance was paid off to adjust assets, if same current assets were used. 6/25 Client provided Email that XXX was not paid off but excluded based on payoff balance divided by monthly payments shows less than 10 payments remaining | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for over XXX years | Client Complete |
| 409013450 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide annual tax calculation for subject of $XXX. Doc in file that shows this amount as an estimate. Property Report shows annual amount of $XXX.Provide calculation for HELOC payment of $XXX/month for REO. Provide documentation that XXX #XXX has < 10 payments. | 6.19.2025 Client provided updated 1008 including taxes of $XXX and provided duplicate HELOC documents and LOX stating using XXX% of balance for monthly $XXX and provided XXX payoff quotes for #XXX which show two different payoffs balances however still missing evidence (bank statement) to support where XXX balance was paid off; statement needed to support where (asset account) balance was paid off to adjust assets, if same current assets were used. XXX payoff that was provided support payoff balance is $XXX as of XXX6/25 Client provided Email that XXX was not paid off but excluded based on payoff balance divided by monthly payments shows less than XX payments remaining | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with the same employer for over XXX years | Client Complete |
| 409013502 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing final CD for sale of XXX to support net proceeds of $XXX must be prior to closing of subject. Subject to additional asset review | 6/12 Client provided the final settlement statement to verify proceeds of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409013519 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VOE performed no more than XXX business days prior to note date XXX; although DU validated borrower's employment, the documentation supporting required a close-by date of XXX. | 6.3.2025 Client provided VVOE for current employment dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%. | Client Complete |
| 409013522 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is 126 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI. | Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Loan Estimate in file is dated XXX; application date is XXX. Missing LE issued at application. | 05/29/25 Client provided the Initial XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI. | Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Consummation date is XXX; however, Final CD XXX was not updated. Condition is pending LOX with corrected PCD to borrower. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI. | Client Complete |
| 409013531 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing insurance policy with sufficient coverage of at least $XXX. | 5.29.2025 Client provided HOI estimated replacement cost worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI. | Client Complete |
| 409013540 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing existence of borrower's XXX to be verified through a third-party source no more than XXX calendar days prior to the note date XXX; A borrowers website is not acceptable third-party source. | 6/5 Client provided a XXX VOE dated XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with the same business for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV; max XXX %.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013543 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit tradelines the past XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guidelines of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX | Client Complete |
| 409013549 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, XXX years. | Client Complete |
| 409013557 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 06/03/25 Client provided a signed LOE from Lender stating they are not affiliated with anyone. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409013557 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409013558 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current JOB<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves XXXX or XXX months PITI and required is XXX months PITIA | Client Complete |
| 409013574 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage | 06/09/25 Client provided the fully executed, recorded DOT. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX Min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITIA | Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Provide XXX/XXX taxes for XXX The taxes in file are for XXX | 6/24 Client provided XXX taxes; Condition remains 6/30 Client provided evidence the XXX REO is not owned by Borrower | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required | Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Application | Satisfied D A | CRDAPP130 | Application is incomplete | No | Provide updated 1003 for B2 with XXX in Liabilities. Currently the XXX is on B1 application | 6/24 Client provided 1003 with XXX | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required | Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide XXX/XXX taxes for XXX The taxes in file are for XXX | 6/24 Client provided a XXX tax search; condition remains 6/26 Client provided an Email and several web searches showing the subject is a XXX, per UW they added the address to REO as an abundance of caution and have no other evidence the Borrower owns the property"6/30 Client provided an Email; Upon review and by independent search, no evidence found showing any ownership by Borrowers in XXX; provide a revised 1003/1008 removing XXX from REO and TI pmt from DTI 7.3.2025 Client provided updated 1003 with removing XXX from REO of 1003 and from DTI with updated 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required | Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL2996 | Missing Trust Documents | No | Provide Trust Agreement | 6/24 Client provided the Trust Cert | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required | Client Complete |
| 409013598 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide calculation of additional XXX for B2 of $XXX/month | 6/24 no UW comments provided; re send7/2 Client provided an Email ; upon review the UW comments and Attorney LOX additional XXX calculation is supported | Satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required | Client Complete |
| 409013602 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX is below lender's guide line maximum of XXX%. | Client Complete |
| 409013606 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a revised CD was issued on XXX which is missing from file. | 06/12/25 Client provided the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409013620 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXXXXX required for lien free reo | Client Complete |
| 409013621 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409013628 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required | Client Complete |
| 409013630 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409013630 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XXX% LTV exceeds the XXX% max allowed. xxx exception approval is in file. | 6/9 Client provided an approved exception to allow the file with a XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required, Low LTV | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409013637 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409013639 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score | Client Complete |
| 409013639 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Terms/Guidelines | Waived C B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Purchase contract and all related documents, are not initialed at bottom of each page. Combined file pages 153 +, and 253 +.Provide updated documents. | 6/5 Client provided an Email from the Title Closer that " the contract was signed and witnessed and the initials are not required"; Upon review to be considered "fully executed", the initials boxes should be complete; Condition remains6/5 Client provided an approved exception to allow the file without the individual pages initialed | Upon review by xxx XXX ; considered NON Material B grade, credit score exceeds GLs and DTI is low | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXRequired:XXX months PITIA, met<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score | Client Complete |
| 409013647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409013647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing HOA statements for XXX | 6.16.2025 Client provided HOA invoice for XXX supporting monthly $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409013647 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived B | CRDINC3204 | Income Documentation Missing | No | B1 has < XXX months of K1 guaranteed payments | 5/22/25 Client provided approved exception for xxx initial & final grade of B due to cash reserves and B2 additional income not being used (No Data) Not Applicable CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br> Client Complete |  |  |  |  |  |
| 409013672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per COC XXX and XXX tracking in file, a revised LE was issued and emailed to borrowers but is missing in file. | 06/13/25 Client provided the missing, Revised XXX LE package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409013672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Federal Consumer Protection | Satisfied B A | CMPFDCP3206 | NMLS License verification found Loan Originator Name does not match ID | No | Loan Originator Organization XXX NMLS on 1003 and Note is XXX. When entering that number in NMLS it brings up XXX, however with the NMLS #XXX. Provide documentation that NMLS #XXX belongs to XXX | 6.13.2025 Client provided NMLS that verifies ID XXX belonging to The XXX Branch and XXX under XXXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409013672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers estimated statement document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing ATR/QM Worksheet or XXX or XXX to determine ATR/QM. | 6/5 Client provided the XXX | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2478 | Missing Legal Documentation | No | Missing fully executed Purchase Agreement reflecting purchase price $XXX. | 6/5 Client provided the executed purchase agreement and addendum | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $XXX as Inspection Fee, Appraisal Review Fee and Insurance Certificate Fee were added without a COC in file. A Lender Credit in the amount of $XXX for Insurance Certificate was disclosed on Final CD XXX; however, an additional $XXX is required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/05/25 Client provided a missing XXX COC and LE package. Re-testing still results in an additional Zero Tolerance violation of $XXX for the added Final Inspection Fee on the Revised XXX LE. The COC reflects a Rate Lock, Rate change and DTI change. Reasons do not validate the Inspection Fee. The Appraisal documentation in file does not meet timing based on report dates for re-disclosure on XXX Borrower is due a refund of $XXX, PCCD with cure, LOE and proof of delivery with tracking.06/12/25 Client provided a missing XXX COC and LE package. Re-testing results in no violation (Appraisal subject-to Invoice XXX). | Condition Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Missing Seller CD | 06/05/25 Client provided the Seller CD and ALTA. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Missing VVOE for both Borrowers dated within XXX business days of Note date. | 6/5 Client provided the VVOE | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Missing Master Condo Insurance Policy verifying sufficient insurance coverage. | 6/5 Client provided the Master Insurance | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409013758 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Insurance | Satisfied D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certificate. | 6/5 Client provided the Flood Cert | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are very conservative credit users; minimal outstanding debt.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%. | Client Complete |
| 409013769 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at current job | Client Complete |
| 409013780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXXX% LTV; max XXXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + xxx $xxx= $xxxreserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX qual score; min XXXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXXX% DTI; max XXXX%. | Client Complete |
| 409013780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/10/25 Client provided the Initial 5/22 CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXXX% LTV; max XXXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + xxx $xxx= $xxxreserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX qual score; min XXXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXXX% DTI; max XXXX%. | Client Complete |
| 409013780 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD xxx is the only CD in file. Missing initial CD acknowledged by borrowers min 3 days prior to closing. | 06/10/25 Client provided the Initial xxx CD and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXXX% LTV; max XXXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx + xxx $xxx= $xxxreserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXXmo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX qual score; min XXXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXXX% DTI; max XXXX%. | Client Complete |
| 409013782 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409013782 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide XXX and XXX Bank Statement from XXX XXX to verify a complete XXX months rent payments | 6/2 Client provided XXX months history | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409013782 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide copy of 3rd party VOE for FLH Agency | 6/2 Client provided a XXX VOE dated XXX and prior to close undated VOE | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score | Client Complete |
| 409013785 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline of XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX for a maximum loan amount of $XXX. | Client Complete |
| 409013794 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409013812 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceeds guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX% | Client Complete |
| 409013831 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409013844 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Conservative credit user; minimal outstanding debts. | Client Complete |
| 409013844 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Please provide below for 1120s:' The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for self-employment analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed.? Copy of liquidity analysis must be included in the loan file if the income analysis includes income from boxes 1, 2 or 3 on the K-1 that is greater than distributions indicated on the K-1.? If a liquidity analysis is required and the borrower is using business funds for down payment or closing costs, the liquidity analysis must consider the reduction of those assets' | 5/28 Client provided the 1084 forms, on reviewed schedule L of 1120s shows sufficient liquidity | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Conservative credit user; minimal outstanding debts. | Client Complete |
| 409013852 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has owned the subject property for XXX years XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409013869 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% % DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves. | Client Complete |
| 409013902 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status history upon review / receipt of missing employment, income and debt documentation | 7/11 Client provided required docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD. | 06/27/2025 Client provided missing Initial CD XXX with E-sign summary for LE XXX showing Per loan E-Consent and a COC for LE XXX. Condition remains. Provide evidence of receipt for Initial CD XXX for both Borrowers a minimum a XXX Business days before closing. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013914 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation supporting Tax/Ins/Hoa amounts reflected on the 1003 for both Farm REOs. Reviewed used Lender figures until further review. Subject to DTI and reserves recalc, may be subject to additional conditions upon review. | 6/26 Client provided an Email but no supporting docs for Tax Ins or HOA dues was found; re send6.26.2025 Client provided PITIA verification for XXX however initial condition is for verification of PITIA being used on REO of 1003 for both address: XXX and XXX. Condition remains for evidence of PITIA verification used on 1003 for both Farm REO's supporting the amount listed on 1003/REO | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: 0 x 30 for XXX months | Client Complete |
| 409013916 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409013918 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit in the past XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirement of XXX%. | Client Complete |
| 409013918 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Insurance | Satisfied B A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance policy effective date XXX reflect dwelling coverage of $XXX which is insufficient for loan amount. Missing replacement cost coverage indicated on the policy. | 6.16.2025 Client provided copy of HOI policy along with RCE with sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit in the past XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is below guideline requirement of XXX%. | Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon receipt / review of missing B1 XXX income | 6/24 Client provided supporting docs for XXX income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX | Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX | Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide missing documentation supporting XXX XXX for B1, as reflected on page 842 combined file. Subject to income recalc and may be subject to additional conditions upon review. | 6/24 Client provided the supporting docs for XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX | Client Complete |
| 409013922 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide executed 4506 / 8821 for B3 and B4 | 6/25 Client provided the executed 4506 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX | Client Complete |
| 409013931 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | RESPA | Satisfied B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 06/03/25 Client provided a signed LOE from lender stating they are not affiliated with anyone. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013931 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | CD: XXX, Section: Loan Calculations, Field: Annual Percentage Rate (APR), Value:XXXCD:XXX, Section: Loan Calculations, Field: Annual Percentage Rate (APR), Value: XXXdifference of XXX.For further testing, provide the borrower's confirmation of receipt for the Revised XXX CD with the increased APR. Additional conditions may apply. | 06/05/25 Client provided the XXX CD Tracking that confirms receipt by all parties on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013938 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. | Client Complete |
| 409013956 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS | Client Complete |
| 409013956 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increased Recording fee on LE XXX with no valid reasons documented on COC XXX. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/04/25 Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS | Client Complete |
| 409013956 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | RSU income used to Qualify file has current stock price prior to close; Provide RSU calculation meeting GLs and Future vesting using lower of Stock price or XXX week avg stock price used to qualify; also missing XXX average stock price documentation | 5/28 Client provided XXX week avg Stock price and RSU income WS | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years XXX months at current job<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITI and required is XXX months PITI and XXX months for 3 financed REOS | Client Complete |
| 409013965 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Non occupant co borrower reserves $XXX or XXX months | Client Complete |
| 409013972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409013978 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409013993 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years XXX months at current home<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min | Client Complete |
| 409013994 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD in file. | 06/12/25 Client provided the Initial XXX CD package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409013994 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrowers a minimum of XXX days prior to closing. | 06/12/25 Client provided the Initial XXX CD package. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409014002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower has no derogatory credit history in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX or XXX PITI months reserves exceed guidelines | Client Complete |
| 409014003 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409014009 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on previous mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required | Client Complete |
| 409014050 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2488 | Verbal verification of employment missing | No | Missing 3rd party verification for B1 XXX XXX | 6/2 Client provided the XXX VOE | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: LTV XXX% | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing income, REO and debt documentation | 6.12.2025 Client provided missing income documents along with REO and debt documentation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX was added to LE XXX without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/05/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not provide a valid change in circumstance reason for the added CDA Fee. Lender to provide further supporting documentation, from the time of the change, that explains the "change" that occurred on XXX. Additional conditions may apply.XXX Client provided an LOE to borrower and XXX PCCD reflecting a $XXX Lender Credit for the cure. Condition remains for a copy of the $XXX refund check and the proof of delivery that includes Tracking.06/16/25 Client provided the $XXX refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Credit/Mtg History | Satisfied C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide sufficient documentation supporting exclusion of XXX REO reflected on XXX 1040 Schedule E. May be subject to additional conditions upon review. | 6/9 Client provided evidence XXX REO was sold | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | 1.Provide sufficient documentation to tie in :a. XXX# XXX $XXX PITI Payment to XXX REOb. XXX # XXX $XXX PITI payment to XXX REOSubject to income / DTI recalc and may be subject to additional conditions upon review. 2. Provide sufficient documentation supporting XXX REO on XXX XXX, is the same REO as XXX Rental income from XXX used to qualify. Subject to income / DTI recalc and may be subject to additional conditions upon review. | 6/9 Client provided mortgage statements fora. XXX # XXX $XXX PITI Payment to XXX REOb. XXX # XXX $XXX PITI payment to XXX REO; Still missing, sufficient documentation supporting XXX REO on XXX, is the same REO as XXX. Rental income from XXX used to qualify. Subject to income / DTI recalc and may be subject to additional conditions upon review. 6/11 Client provided sufficient documentation to show XXX is 1 property | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | XXX PL for XXX shows XXX compensation to officers. XXX W2 reflects XXX.XXX returns / K1 not in file - however XXX and XXX K1's reflect Borrower as XXX% XXX.Provide sufficient documentation to correct / address discrepancy. Subject to income recalc and may be subject to additional conditions upon review | 6/9 Client provided an LOX that " XXX is the XXX and there is a XXX of the company. XXX. He does own XXX% of the other businesses but not this one They put them together as officers of the company"; Provide an LOX from CPA or Borrower for ownership discrepancy" Income subject to recalculation 6/16 Client provided an LOX that" they combined income for his role as XXX an an owner in error on the income sheet..." | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC2408 | Income verification does not meet guidelines | No | Provide signed XXX YTD PL for both 1120s.Subject to income recalc and may be subject to additional conditions upon review | 6/10 Client provided YTD P&Ls | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014052 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Provide the following, may be subject to additional conditions upon review.1. XXX extensions for all 4 business 2. Signature pages for all business returns | 6/9 Client provided extensions and signed taxes | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV | Client Complete |
| 409014062 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guidelines of XXX%. | Client Complete |
| 409014084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409014084 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in the amount of $XXX as Title Administration and Title Document Preparation fees were added without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/12/25 Client provided a XXX PCCD with $XXX principal reduction cure, LOE to borrower and email delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409014104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees and Realtor commission fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409014104 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX percent tolerance of $ XXX due to added Discount Points $XXX and Program fee $XXX on CD XXX with no COC in file to support it. Per XXX tracking and XXX, a revised LE was issued with COC but both disclosures are missing. Provide disclosures for further testing or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | 07/03/25 Client provided the missing XXX COC and XXX LE reflecting the Lock and Program changes. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409014114 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409014132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Final CD XXX is missing Page 2 (Seller's CD Page 2 is currently in place of borrower's page 2) - input as is for testing purposes; Condition pending receipt of Borrower's Page 2 of Final CD along w/ re-examination of closing fees/loan costs. | 06/05/25 Client provided all pages to the Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: Co-borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409014156 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX % DTI; max XXX%. | Client Complete |
| 409014182 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: B2 has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. | Client Complete |
| 409014184 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Income/Employment | Satisfied B A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Business internet was provided being used for VVOE / Schedule C Missing acceptable 3rd party documentation VVOE for Schedule C / XXX | 7/1 Client provided the XXX VOEs | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV below guideline requirements<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified cash reserves exceed guidelines, XXX months | Client Complete |
| 409014213 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Documentation | Satisfied D A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Missing Page xxx of Mortgage/Deed of Trust. | 06/12/25 Client provided all pages of the DOT. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX qual score; min XXXX. | Client Complete |
| 409014213 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Missing initial LE date xxx per disclosure tracking. | 06/12/25 Client provided the missing xxx Initial LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXXX years.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $xxx reserves; $xxx reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX qual score; min XXXX. | Client Complete |
| 409014226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | Compliance Manual | Satisfied D A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary in file, a Post CD was issued on XXX. Disclosure is missing in file. | 06/23/2025 Client provided a Final CD XXX that was missing from file. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409014226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Satisfied A | CRDINC150 | Income docs do not meet guidelines | No | 6/5/25 XXX Approved Exception provided allowing Lack of XXX Year XXX Earnings History | 6/5/25 XXX Approved Exception provided allowing Lack of XXX Year XXX Earnings History | xxx initial & final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409014226 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower lacks XXX year XXX earnings history. | 07/01/2025 Client provided an approved exception to allow for the lack of XXX year XXX earnings history. Upon further review by Senior UWer exception is deemed Non-Material. File has the following compensating facotors:verified cash reserves exceed guidelines, mortgage payment history exceeds guidelines and credit score exceeds guidelines. | xxx initial and final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX additional months for XXX ($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charges are understated by $XXX. Condition is pending receiving cure via refund of the amount of the under-disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment. | 07/10/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and In Transit Shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at current job | Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | Finance Charge Tolerance | Satisfied C B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | CD: XXX Section: Loan Calculations, Field: Amount Financed, Value is $XXXCalculated, Value is $XXX a difference of $XXX. Condition is pending receiving cure via refund of the amount of the under-disclosure, LOX, corrected PCCD reflecting cure, Reopen rescission to all title holders and proof of delivery with tracking shipment. | 07/10/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and In Transit Shipping label. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at current job | Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at current job | Client Complete |
| 409014228 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Credit/Mtg History | Satisfied B A | CRDCRMH122 | Foreclosure history does not meet guidelines | No | Departing residence purchased XXX, per property report. Foreclosure XXX, per Drive report. Does not meet below: Guidelines: Foreclosure - XXX(XXX) years since completion date | 6.30.2025 Client provided Lender LOX regarding foreclosure. Response, it does not appear to be for departure home unit, departure home is a Condo and possibly for a difference unit in the condominium and credit report reflect no derogatory history on the mortgage for departure home, in addition file have copy of property profile of this property with no issues. Credit report reflect both mortgages current w/X XXXX (pg. 438) and prior mtg w/XXX (pg. 440) and XXX (pg. 441) | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: > XXX years at current job | Client Complete |
| 409014250 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% qualifying LTV<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1 XXX years same line of work B2 XXX years same line of work | Client Complete |
| 409014273 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409014294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months. | Client Complete |
| 409014294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing sufficient assets to support XXX months PITI requirement. Pending XXX#XXX | 6.16.2025 Client provided XXX#XXX XXX and XXX bank statement with balance $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months. | Client Complete |
| 409014294 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX acct#XXX asset statement used for funds to close and reserves | 6.16.2025 Client provided XXX #XXX XXX and XXX bank statement with balance $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months. | Client Complete |
| 409014305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage | Client Complete |
| 409014305 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide calculation for $XXX/month for subject taxes. | 6.26.2025 Client provided LOX email with calculation of monthly taxes used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score<br>CFCFS1739: Positive mortgage payment history<br> - xxx Comments: Borrowers have XXX months of 0x30 on current mortgage | Client Complete |
| 409014672 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC2488 | Verbal verification of employment missing | No | File is missing verification of the existence of borrowers XXX verified through a third-party source and no more than XXX (XXX) calendar days prior to the Note date for B1. | 6/2 Client provided `the third party XXX VOE | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is 10% below the maximum allowable LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXXmonths required. | Client Complete |
| 409014679 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX | Client Complete |
| 409014690 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409014691 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409014691 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3658 | TRID - Corrected CD should have been provided; APR is greater than APR 3 business days prior to closing by more than allowable tolerance | No | APR increased to XXX% on Revised CD XXX from XXX% on Initial CD XXX due to interest rate increasing to XXX from XXXRevised CD XXX is missing borrower's acknowledgment of receipt min XXX days prior to closing as it's re-setting XXX day waiting period. | 06/13/25 Client provided the e-signed copy of the XXX CD with Tracking that confirms receipt on XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409014898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Missing Documentation to Support $ XXX/ Month in Bonus Income | 7/1 Client provided required docs | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 18 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409014898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Ability to Repay/Qualified Mortgage | Satisfied C A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing QM Determination | 7/1 Client provided XXX with determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 18 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409014898 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing Documentation to Support $ XXX/ Month in Bonus Income | 7/1 Client provided a revised income WS for Bonus using YT plus prior two years W2s less verified salary; xxx bonus calculation if YTD XXX plus XXX Total W2 less salary Bonus calc / XXX $XXX DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 18 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409014906 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and required is XXX months PITIA plus XXX months for 2 REOs | Client Complete |
| 409015012 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years | Client Complete |
| 409015013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409015013 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Insufficient assets verified in the file to meet the reserve requirement. Total assets verified were $XXX with cash required to close of $XXX (including the EMD) leaving $XXX available in reserves. Total reserves required are $XXXX, or XXX months PITI for the subject property and XXX months PITI for retained departure residence. Evidence the EMD of $XXX has cleared the borrowers' account is missing from the file. Additional asset documentation verifying sufficient assets to meet the reserve requirement is required. | 6.9.2025 Client provided exception approval for short reserves with no evidence of $XXX EMD being cleared, no EMD credit given. | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, DTI XXX% and over XXX years in profession with XXX and XXX years at current residence. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409015014 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409015014 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | File is missing verification of rental payment history from prior residences verifying 0X30 late payments in the last XXX months. If the landlord is a party to the transaction or relative of the borrower, cancelled checks or bank statements to verify satisfactory rent history is required; otherwise, if not related or a party to the transaction a satisfactory VOR can be provided. | 6/10 Client provided an approved exception to allow without the XXX month rental history | xxx initial and final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months of PITI available in reserves; XXX months required. | Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Finance Charge Tolerance | Satisfied B | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Fees corrected on PCD XXX to cure under-disclosure; Condition Satisfied. | (No Data) | Condition satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX | Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | Finance Charge Tolerance | Satisfied B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than xxx's calculated Amount Financed | No | Fees corrected on PCD XXX to cure under-disclosure; Condition Satisfied. | (No Data) | Condition satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX | Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of XXXDiscount Points increased to $XXX on Final CD XXX from $XXX on Initial CD XXX without a COC nor any related doc(s) (enclosed Lock docs indicate old expiration dates & the same old/lower discount points amount); Lock did expire on XXX & loan consummated on XXX; loan amount remained the same as well; Lender Credit NOT indicated on Final CD nor PCD XXX; Condition pending receipt of Lock Extension related doc(s). | 06/05/25 Client provided a XXX COC, the Final CD and the XXX Lender Conversation Log reflecting the lock extension with pricing adjustment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX | Client Complete |
| 409015016 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B C | Credit | Income/Employment | Waived D B | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Provide XXX Profit and Loss from XXXX | 6.4.2025 Client provided exception approval for missing end of year XXX Profit/Loss for business: XXX with file having a copy of XXX extension. | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, XXX years with current XXX, verified cash reserves and fico score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXXREO: $XXX x XXX = $XXX | Client Complete |
| 409015017 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409015018 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves. | Client Complete |
| 409015019 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrowers are conservative credit users; minimal outstanding debts. | Client Complete |
| 409015022 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXXX credit score exceed guideline of XXXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXXX% LTV is below guideline of XXXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past xxx months. | Client Complete |
| 409015026 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409015027 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt. | Client Complete |
| 409015027 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing year-end Profit and Loss for prior year (XXX) for XXX | 6/9 Client provided an approved exception to allow the file without the XXX P&L | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS5269: Minimal use of credit<br> - xxx Comments: Borrower is a very conservative credit user; minimal outstanding debt. | Client Complete |
| 409015028 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX | Client Complete |
| 409015031 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves sourced: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject second home, and 3 financed REO's<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score | Client Complete |
| 409015032 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and Required is XXX months plus XXX months for 1 REO | Client Complete |
| 409015032 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Client provided evidence of $XXX Insurance coverage and required is $XXX | 6/10 Client provided an Insurance company RCE of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months PITIA and Required is XXX months plus XXX months for 1 REO | Client Complete |
| 409015033 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months of PITIA available in reserves; XXX months required. | Client Complete |
| 409015034 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX. | Client Complete |
| 409015035 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409015036 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing documentation verifying HOA dues of $XXX for XXX | 6.9.2025 Client provided Borrower LOX stating no monthly HOA on XXX property. Response, REO of 1003 states $XXX (for taxes/hoi), taxes of $XXX verified in file and LOX provided says no monthly HOA, difference of $XXX however mtg statement shows hazard disbursement of $XXX for monthly $XXX; there is still $XXX unaccounted for. PI $XXX verified and taxes of $XXX verified and HOI $XXX verified; mtg statement only show HOI being escrowed not taxes, low DTI accepting the verification document provided to support PITIA | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves. | Client Complete |
| 409015038 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score is below guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX or XXX months PITI exceed guidelines for XXX months. | Client Complete |
| 409015038 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR from XXX | 6.9.2025 Client provided exception approval for missing VOR (verification of rental payment history) | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score is below guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX or XXX months PITI exceed guidelines for XXX months. | Client Complete |
| 409015039 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX + XXX for lien free REO | Client Complete |
| 409015040 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409015040 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | Credit reports with bureaus identified as frozen are required to be unfrozen and a current credit report with all bureaus unfrozen is required. | (No Data) | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; low LTV, low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXXXreserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409015041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409015041 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | Missing the required P&L for the borrower's primary XXX business. | 6/9 Client provided an approved exception to allow the file without the P&L | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409015042 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Assets | Waived B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves $XXX or XXX months (same assets verified used per DU and Final 1003) Required reserves $XXX(XXX months for subject + XXX months REO) Short reserves by XXX to be verified Note: XXX day XXX balance of $XXX taken out of liquid assets | 6/11 Client provided an approved exception to allow the file with verified reserves of $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement | Client Complete |
| 409015042 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Waived B | CRDINC889 | Income is Not Reasonable | No | Borrower works for XXX(XXX% XXX) 1. Missing XXX/XXX 1040 Transcripts (file have the 1040's) however missing the Transcripts 2. Final 1003 to reflect as working for XXX | 6/11 Client provided an approved exception to allow the file without the XXX/XXXTranscripts and corrected 1003 | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement | Client Complete |
| 409015042 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Income/Employment | Waived C B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Borrower works for XXX (XXX% owner) 1. Missing XXX 1040 Extension 2. Missing XXX k1 (XXX k1 income declined from XXX/addressed in file, missing XXX k1, XXX w2 in file) and file have XXX k1's for other employment not used however missing XXX k1 for XXX (1st employment) for review of income to support no further decline of income. | 6/11 Client provided an approved exception to allow the file without the XXX K-1 | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; File has a year end XXX PS, and WVOE, XXX W2, CPA letter, Low DTI, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has significant time at current job, XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% below guideline requirement | Client Complete |
| 409015044 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV is below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline requirement of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Recent previous mortgage: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months. | Client Complete |
| 409015045 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX- or XXX-PITI months reserves exceed guidelines | Client Complete |
| 409015046 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXXX % below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409015047 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. | Client Complete |
| 409015048 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409015048 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Assets | Waived C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Verified reserves of $XXX; total reserves required $XXX. XXX months for subject at $XXX = $XXX + XXX months for other financed property at $XXX= $XXX. | 6/11 Client provided an approved exception to allow the file with reserves of $XXX | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Long term job, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years, XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required. | Client Complete |
| 409015051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1297 | XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan), not in file | No | Missing XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (Home Loan) | 06/16/25 Client provided the fully executed XXXX Disclosures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX | Client Complete |
| 409015051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | State Consumer Protection | Satisfied D A | CMPSTCP1309 | XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost), not in file | No | Missing XXXX Home Loan - Prohibited Acts of Lenders and Loan Brokers Disclosure (High Cost) | 06/16/25 Client provided the fully executed XXXX Disclosures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX | Client Complete |
| 409015051 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Income/Employment | Waived D B | CRDINC2408 | Income verification does not meet guidelines | No | Borrower is employed by XXX. Missing XXX years most recent tax transcripts as required by guidelines. | 6/10 Client provided an approved exception to allow the file without tax transcripts | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; Strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX | Client Complete |
| 409015053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXXX min<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current home | Client Complete |
| 409015053 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Income/Employment | Satisfied C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Lenders RSU calculation form using the XXX day moving average and stock price provided; Also missing the vesting schedule to confirm XXX year continuance | 7.7.2025 Client provided Notice of Grant for RSU income calculation support vesting schedule and provided XXX day moving average and stock price, using most recent XXX months average vesting stock x XXX day moving average price (per Lender worksheet in file) supporting RSU income being used for qualifying | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score exceeds XXXX min<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at job<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: XXX years at current home | Client Complete |
| 409015056 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITI in reserves. | Client Complete |
| 409015088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Final ALTA in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, XXX years. | Client Complete |
| 409015088 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance in the amount of $XXX due to added or increased Title fees with no COC in file to support it. Fees are not listed in Service Provider's List therefore, all title fees including recording fee are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances/SPL or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/26/2026 Client provided PCCD XXX with cure, copy of cure check , LOE and Out for delivery Shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Significant time in profession, XXX years. | Client Complete |
| 409015093 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + XXX REOs $XXX \* XXX = $XXXreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years. | Client Complete |
| 409015093 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's Form 1084 or equivalent, required for XXX analysis. | 7/1 Client provided the 1084 income WS | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + XXX REOs $XXX \* XXX = $XXXreserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has been in the same profession for XXX years. | Client Complete |
| 409015098 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REO $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS2854: Significant time in profession<br> - xxx Comments: The borrowers have been in their respective professions for XXX and XXX years. | Client Complete |
| 409015106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Ability to Repay/Qualified Mortgage | Satisfied D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing REO PITIA documentation | 7.8.2025 Client provided evidence of monthly HOA of $XXX monthly ($XXX quarterly) for XXX REO property however still missing sufficient documentation of PITIA reflected on Final 1003 for XXX REO. 7/9 Client provided supporting mtg stmt | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job > XXX years | Client Complete |
| 409015106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by both borrowers; however, there is no prior e-sign consent in file for borrower 2; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all borrowers. | 07/10/25 Client provided the Initial Disclosures XXX reflecting both XXX E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job > XXX years | Client Complete |
| 409015106 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | DTI | Satisfied D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide the following:1. XXX REO: sufficient documentation of PITIA reflected on Final 10032. XXX REO: sufficient documentation for HOA; document on page 556 combined file does not have property address or borrower's name. Subject to DTI and reserves recalcs and may be subject to additional conditions upon review. | 7.8.2025 Client provided evidence of monthly HOA of $XXX monthly ($XXX quarterly) for XXX REO property however still missing sufficient documentation of PITIA reflected on Final 1003 for XXX REO. 7/9 Client provided the XXX REO mortgage statement | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - xxx Comments: At job > XXX years | Client Complete |
| 409015120 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITIA in reserves. | Client Complete |
| 409015132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409015132 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA | 7/9 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves$XXX or XXX months PITI. XXX months required<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI | Client Complete |
| 409015150 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX or XXX months reserves exceed guideline requirement. | Client Complete |
| 409015160 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX | Client Complete |
| 409015185 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but the Fees are not Listed on Borrower final CD dated XXX. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required. | Client Complete |
| 409015186 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months. | Client Complete |
| 409015203 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines. | Client Complete |
| 409015212 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required | Client Complete |
| 409015212 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added two Verification fees on CD XXX. COC dated XXX indicates fees were added due to UW requirements. Fees were not disclosed timely as loan went thru UW prior to XXX when Rental Survey fee was disclosed on LE XXX Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/27/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required | Client Complete |
| 409015212 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance in amount of $XXX due to increase in Recording fee from $XXX on LE XXX to $XXX on CD XXX with no valid COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 06/27/2025 Client provided PCCD XXX with Principal Reduction, LOE and Loan transaction history reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required | Client Complete |
| 409015215 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%. | Client Complete |
| 409015426 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have XXX months PITI in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% CLTV below guideline requirements of XXX% per program. | Client Complete |
| 409015428 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | While Guidelines state: If two (2) full appraisals are provided, a CDA is not required, and that has been met below:XXX XXX appraised value supported by second full appraisal on XXX for XXX; please provide missing XXX CDA as reflected ordered on PC CD XXX | 7.10.2025 Client provided 3rd party CDA supporting value of $XXX with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX%. | Client Complete |
| 409015434 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Terms/Guidelines | Satisfied C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Departing residence PITI XXX per mortgage statement and XXX per CBR XXX supplement However, both B1 and B2 Final 1003s reflect XXX.Borrower LOE states XXX HOA. Provide sufficient documentation supporting XXX PITI. Subject to DTI and reserves recalc and may be subject to additional conditions upon review. | 7.8.2025 Client provided updated 1003 with REO reflecting PITI payment of $XXX for departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B1: XXX years same line of workB2: XXX years same line of work | Client Complete |
| 409015455 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX. | Client Complete |
| 409015478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | Right of Rescission | Satisfied C A | CMPROR114 | ROR - Right of Rescission not executed by all title holders | No | Missing Right of Rescission form for non-borrowing spouse. | 07/03/25 Client provided the missing ROR for the non-borrowing spouse. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves. | Client Complete |
| 409015478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | XXXX Home Equity | Satisfied B A | CMPTXHE308 | Voluntary Same-Lender Debt disclosure not provided to borrower | No | Missing Voluntary Same-Lender Debt disclosure | 07/03/25 Client provided the Voluntary Same-Lender Debt disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves. | Client Complete |
| 409015478 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CD XXX e-signed by non-borrowing spouse with no prior e-sign consent in file; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for non-borrowing spouse. | 07/03/25 Client provided the proof of e-consent for the non-borrowing spouse. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has XXX months PITIA in reserves. | Client Complete |
| 409015555 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXXYears at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession | Client Complete |
| 409015611 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation worksheet or 1008 with income calculation for both borrowers. | 7.8.2025 Client provided Lender income calculation for both borrowers | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX \* XXX + REOs $XXX \* XXX = $XXX reserves required.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrowers have lived in the same residence for XXX years. | Client Complete |
| 409015613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied D A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial disclosures including LE XXX were emailed to borrowers but a prior e-consent is missing in file. | 07/11/25 Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX | Client Complete |
| 409015613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Legal Documents | Satisfied D A | CRDLGL3954 | Missing POA (Power of Attorney) | No | Provide missing POA. May be subject to additional conditions upon review | 7.9.2025 Client provided executed Specific Power of Attorney | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX | Client Complete |
| 409015613 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | DU DTI: XXX%Reviewer DTI: XXX%Provide updated AUS findings due to > XXX% variance. My be subject to additional conditions upon review. | 7.16.2025 Client provided updated DU AUS Approval submission #XXX with DTI change | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX | Client Complete |
| 409015650 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrowers have $XXX available in reserves; $XXX in reserves required. | Client Complete |
| 409015660 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Fico score XXX exceeds guide lines. | Client Complete |
| 409015670 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Income/Employment | Satisfied D A | CRDINC3204 | Income Documentation Missing | No | Missing lender's income calculation on Form 1084 or equivalent required for XXX analysis for B2. | 7/10 Client provided the income calculation form | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX effective/reserves; $XXX \* XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. | Client Complete |
| 409015686 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower at current employment XXX years | Client Complete |
| 409015720 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX; total reserves required $XXX | Client Complete |
| 409015754 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below guideline maximum of XXX% | Client Complete |
| 409015772 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Terms/Guidelines | Waived B | CRDTER4643 | Borrower does not meet guideline requirements | No | 3rd Borrower is not occupying co borrower with blended ratios | 7/03/2025 client provided an approved exception foe B3 as occupying split time between home that is paid off and subject property | Upon further review by Senior UW exception is deemed non-material due to cash reserves exceed guidelines and DTI below guideline requirements. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Reserves $XXX or XXX months | Client Complete |
| 409015784 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Assets | Satisfied C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing the HUD from sale of XXX with evidence of payoff and proceeds | 7/1 Client provided the HUD for sale of XXX | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: XXX years at current job<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX score with a XXX min<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets verified for reserves $XXX or XXX months and required is XXX months | Client Complete |
| 409015787 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI Is below guideline maximum of XXX%<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: B1 has additional documented RSU income not being used to qualify. | Client Complete |
| 409015853 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Assets | Waived B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Borrower has Reserves Less Than Program Minimum But Within XXX% Of Required Reserves | 6/23/25 Client provided Approved XXX Exception for having Reserves Less Than Program Minimum But Within XXX% Of Required Reserves | xxx Initial and final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months | Client Complete |
| 409015856 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - xxx Comments: Borrower has XXX Years in Current Profession<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3 Months for Additional REO or $ XXX X XXX = $ XXX | Client Complete |
| 409015906 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required. | Client Complete |
| 409015906 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Credit | Terms/Guidelines | Satisfied D A | CRDTER2548 | Missing AUS or AUS errors present | No | XXX XXX AUS program used and 1008 in file indicates the loan used DU and was approve/eligible. File is missing the AUS. | 7.9.2025 Client provided DU Approve/Eligible submission #2 submission date XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Verified reserves of $XXX or XXX months PITI; XXX months or $XXX required. | Client Complete |
| 409015926 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Post Close Assets are $XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX | Client Complete |
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational per xxx Compliance department and TRID 2.0 revisions. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 > XXX years same line of work | Client Complete |
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Credit/Mtg History | Waived B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing VOR | 6.25.2025 Client provided exception approval for missing VOR | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 > XXX years same line of work | Client Complete |
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max XXX% DTI per guides. Qualifying DTI XXX% | 6.25.2025 Client provided exception approval for DTI XXX% (and Lender 1008 DTI XXX%) exceeding guidelines maximum of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 > XXX years same line of work | Client Complete |
| 409015949 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | LTV/CLTV | Waived C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Max XXX% LTV per guides for XXX qualifying score Qualifying LTV is XXX% | 6.25.2025 Client provided exception approval for LTV XXX% exceeding guidelines maximum of XXX% with fico score of XXX | Upon review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, verified cash reserves and significant time in profession | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Assets: Borrowers have $XXX in reserves. Required reserves are $XXX per AUS findings<br>CFCFS2854: Significant time in profession<br> - xxx Comments: B2 > XXX years same line of work | Client Complete |
| 409015957 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX. | Client Complete |
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-Paid fees indicated on Seller CD are not disclosed on page 2 of the Borrowers Final CD. | (No Data) | Condition satisfied. File contains the Seller CD and Final Settlement Statement reflecting the Seller paid fees. Charges were included in the fee testing with no violation. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. | Client Complete |
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | Assets | Satisfied D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing evidence of 2nd Lien HELOC Final CD/HUD to show proceeds of $XXX required for closing. | 6.26.2025 Client provided copy of executed HUD-1 for 2nd Lien HELOC w/Lender XXX verifying receipt of funds to borrower, Subject 2nd lien and subject Final CD reflect these 2nd lien HELOC funds | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. | Client Complete |
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | LTV/CLTV | Waived B | CRDLTV3032 | CLTV Exceeds Guideline Requirement by 10% or more | No | CLTV XXX% exceeds the XXX% max per agency guides. | 6.25.2025 Client provided exception approval for CLTV of XXX% exceed guidelines maximum of XXX% CLTV | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Fico score XXX with DTI XXX% (Max XXX%) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. | Client Complete |
| 409015958 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | LTV/CLTV | Waived B | CRDLTV3260 | HCLTV Exceeds Guideline Requirement by 10% or more | No | HCLTV XXX% exceeds the XXX% max per agency guides. | 6.25.2025 Client provided exception approval for HCLTV of XXX% exceed guidelines maximum of XXX% HCLTV | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors, Fico score XXX with DTI XXX% (Max XXX%) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%.<br>CFCFS1749: Additional documented income not used in qualifying<br> - xxx Comments: CoBorrower income docs provided showing additional income not being used to qualify. | Client Complete |
| 409015962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. | Client Complete |
| 409015962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI; max allowed XXX%. | 6/30 Client provided an approved exception to allow the file with a XXX% DTI | xxx final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. | Client Complete |
| 409015962 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | LTV/CLTV | Waived B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | XXX% LTV; max allowed XXX%. | 6/30 Client provided an approved exception to allow the file with an XXX LTV | Upon review by xxx Senior Underwriter, Condition is a Non Material B grade; good reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qualifying score; XXXrequired. | Client Complete |
| 409015965 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been XXX with current business since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Credit score of XXX is XXXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Borrower has $XXX available in reserves; reserves not required by DU. | Client Complete |
| 409015972 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: $XXX reserves; $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: XXX mo. 0x30 mortgage payment history; 0x30x12 required.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; max XXX%. | Client Complete |
| 409015977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years. | Client Complete |
| 409015977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | Assets | Satisfied B A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing evidence to verify 3 gift fund sources totaling $XXX have been transferred to the borrower's account or from the donor's account to the closing agent; transaction details for gift checks provided do not reflect a borrower account or evidence that they have been received by closing. | 6.27.2025 Client provided XXX#XXX print out however no identity of ownership of this account, file have no XXX bank statements, condition remains to support Borrower is the owner of this account #XXX w/XXX. Initial condition remains 7.1.2025 Client provided LOX for review to consider without additional documentation. Response, XXX print out provided #XXX even though no identity however do reflect the receipt of 3 gift funds of $XXX, $XXX and $XXX and appears XXX # is not being used for transaction, funds possibly will be transferred out of XXX to other account or to closing. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years. | Client Complete |
| 409015977 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI exceeds the Agency Program maximum of XXX%. | 6/26 Client provided an approved exception to allow the file with a DTI of XXX | xxx final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: Borrower has been at the same job for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX qual score; min XXX.<br>CFCFS1736: Significant time at current residence<br> - xxx Comments: Borrower has been at the same residence for XXX years. | Client Complete |
| 409015983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAXXX reserves required for LP AUS | Client Complete |
| 409015983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Credit | DTI | Waived B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI per guidelines is XXX%Qualifying DTI is XXX%, due to differing income calc on B1 income | 6.30.2025 Client provided exception approval for DTI XXX% exceeding guidelines maximum of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAXXX reserves required for LP AUS | Client Complete |
| 409015983 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | LCA score of 3.0 does not support appraised value Provide Missing updated valuation Value not yet supported. May be subject to additional conditions upon review. | 7/1 Client provided a CDA supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: ASSETSPost Close Assets are $ XXX or XXX months of PITIAXXX reserves required for LP AUS | Client Complete |
| 409015984 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections E, F, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO > XXXX points above guideline program minimum of XXX. | Client Complete |
| 409015984 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD. | 06/30/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO > XXXX points above guideline program minimum of XXX. | Client Complete |
| 409015984 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Per XXX tracking and XXX doc in file, initial CD was issued on XXX but is missing. Pending receiving initial CD acknowledged by borrower min XXX days prior to closing. | 06/30/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX Median FICO > XXXX points above guideline program minimum of XXX. | Client Complete |
| 409015994 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | Condition Satisfied. All Seller fees have been sourced on the Seller CD and included in testing. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: High Credit XXX<br>CFCFS2860: Good credit history<br> - xxx Comments: Borrower Has history of Good credit with 0 Late Payments > XXX Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - xxx Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months | Client Complete |
| 409015995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied C A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application Date XXX, missing initial LE disclosed to borrower within XXX business days of application date | 06/30/25 Client provided the missing XXX Initial LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409015995 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | Credit | Credit/Mtg History | Waived B | CRDCRMH104 | Credit score below guidelines | No | XXX qualifying score; XXX minimum required. | 6/30 Client provided an approved exception to allow the file with a XXX score | xxx final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - xxx Comments: XXX % LTV; XXX% max allowed.<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: XXX% DTI; XXX% max allowed. | Client Complete |
| 409016002 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D | Property Valuations | Appraisal | Satisfied D A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the original appraisal value of $XXX | 7/1 Client provided a CDA supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: Qualifying credit score XXX<br>CFCFS1734: Borrower has significant time at current job<br> - xxx Comments: B1 at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - xxx Comments: DTI XXX% | Client Complete |
| 409016074 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Compliance | TILA/RESPA Integrated Disclosure | Satisfied A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required seller-paid fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX of XXX months PITI exceed guidelines. | Client Complete |
| 409016074 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | Credit | Insurance | Satisfied C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard Insurance Policy dwelling coverage $XXX+ $XXX (additional XXX%) + $XXX (other structures) =$XXX which is insufficient coverage. Required coverage is $XXX | 7.15.2025 Client provided HOI estimated replacement cost worksheet, HOI reflect sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - xxx Comments: No derogatory credit history in the past XXX months.<br>CFCFS1741: Credit score exceeds guidelines<br> - xxx Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - xxx Comments: Cash reserves of $XXX of XXX months PITI exceed guidelines. | Client Complete |

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *284* |
| ***Loans with Conditions:*** | *213* |

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Did Lender Acknowledge Exception at Origination** |
| 409008269 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409008657 | Yes | XXXXXX | XXXXXX D A | No |
| 409008785 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409008833 | Yes | XXXXXX | XXXXXX D B C A | Not Applicable |
| 409008841 | Yes | XXXXXX | XXXXXX D A C | No |
| 409008879 | Yes | XXXXXX | XXXXXX D B A | Yes |
| 409008900 | Yes | XXXXXX | XXXXXX D A | No |
| 409008909 | Yes | XXXXXX | XXXXXX D B A | Yes |
| 409008982 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409009037 | Yes | XXXXXX | XXXXXX D A | No |
| 409009090 | Yes | XXXXXX | XXXXXX B A | No |
| 409009096 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409009131 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409009189 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409009200 | Yes | XXXXXX | XXXXXX D A | No |
| 409009205 | Yes | XXXXXX | XXXXXX C A | No |
| 409009305 | Yes | XXXXXX | XXXXXX A | No |
| 409009314 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409009520 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409009532 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409009541 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409009564 | Yes | XXXXXX | XXXXXX B A | No |
| 409011446 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409011497 | Yes | XXXXXX | XXXXXX D B C A | Not Applicable |
| 409011516 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011526 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409011530 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409011532 | Yes | XXXXXX | XXXXXX D B C A | Yes |
| 409011626 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409011628 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409011631 | Yes | XXXXXX | XXXXXX D B A | No |
| 409011633 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409011640 | Yes | XXXXXX | XXXXXX D B A C | Yes |
| 409011737 | Yes | XXXXXX | XXXXXX C A | No |
| 409011745 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409011752 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011762 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409011764 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409011766 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409011777 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409011895 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409011919 | Yes | XXXXXX | XXXXXX D A C | No |
| 409011924 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409011935 | Yes | XXXXXX | XXXXXX D A | No |
| 409011959 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409011972 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409011977 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409012023 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012041 | Yes | XXXXXX | XXXXXX D A | No |
| 409012050 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012057 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012060 | Yes | XXXXXX | XXXXXX D B C A | No |
| 409012082 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012084 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012085 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012087 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012106 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012197 | Yes | XXXXXX | XXXXXX B A | Yes |
| 409012207 | Yes | XXXXXX | XXXXXX A | No |
| 409012209 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409012242 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012244 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012267 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012275 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012300 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012306 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012310 | Yes | XXXXXX | XXXXXX B A | No |
| 409012316 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012347 | Yes | XXXXXX | XXXXXX C A | No |
| 409012427 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012467 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409012468 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012473 | Yes | XXXXXX | XXXXXX D A | No |
| 409012478 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012499 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409012515 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012554 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012576 | Yes | XXXXXX | XXXXXX C A | No |
| 409012577 | Yes | XXXXXX | XXXXXX A | No |
| 409012578 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012604 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012608 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012734 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012737 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012748 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012778 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012791 | Yes | XXXXXX | XXXXXX B A | Yes |
| 409012805 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409012814 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409012815 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409012837 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012840 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012843 | Yes | XXXXXX | XXXXXX A | No |
| 409012854 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012875 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012902 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012967 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409012970 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409012988 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013017 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409013023 | Yes | XXXXXX | XXXXXX A | No |
| 409013033 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013039 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013043 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013058 | Yes | XXXXXX | XXXXXX B A | No |
| 409013061 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409013068 | Yes | XXXXXX | XXXXXX A | Yes |
| 409013076 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409013079 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409013080 | Yes | XXXXXX | XXXXXX D A B | No |
| 409013082 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013083 | Yes | XXXXXX | XXXXXX D A | No |
| 409013085 | Yes | XXXXXX | XXXXXX A | No |
| 409013086 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013089 | Yes | XXXXXX | XXXXXX C B A | No |
| 409013099 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409013116 | Yes | XXXXXX | XXXXXX C A | No |
| 409013142 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013158 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013177 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013180 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013193 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013194 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013211 | Yes | XXXXXX | XXXXXX D A | No |
| 409013216 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013270 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409013278 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409013280 | Yes | XXXXXX | XXXXXX D A | No |
| 409013293 | Yes | XXXXXX | XXXXXX D B A C | No |
| 409013330 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013335 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013343 | Yes | XXXXXX | XXXXXX D A | No |
| 409013350 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409013365 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013369 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013450 | Yes | XXXXXX | XXXXXX D A C | Not Applicable |
| 409013502 | Yes | XXXXXX | XXXXXX D A | No |
| 409013519 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013522 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013531 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409013540 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013543 | Yes | XXXXXX | XXXXXX A | No |
| 409013549 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013557 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013558 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013574 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013598 | Yes | XXXXXX | XXXXXX D A | No |
| 409013602 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013606 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013620 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013621 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013628 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013630 | Yes | XXXXXX | XXXXXX C B A | Yes |
| 409013637 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013639 | Yes | XXXXXX | XXXXXX C B A | No |
| 409013647 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409013672 | Yes | XXXXXX | XXXXXX D A | No |
| 409013758 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013769 | Yes | XXXXXX | XXXXXX A | No |
| 409013780 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409013782 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013785 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013794 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013812 | Yes | XXXXXX | XXXXXX A | No |
| 409013831 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013844 | Yes | XXXXXX | XXXXXX D A | No |
| 409013852 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013869 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013902 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013914 | Yes | XXXXXX | XXXXXX D A | No |
| 409013916 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013918 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013922 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409013931 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409013938 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013956 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409013965 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013972 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013978 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013993 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409013994 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409014002 | Yes | XXXXXX | XXXXXX A | No |
| 409014003 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014009 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014050 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409014052 | Yes | XXXXXX | XXXXXX D B A | No |
| 409014062 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014084 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409014104 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409014114 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014132 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409014156 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014182 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014184 | Yes | XXXXXX | XXXXXX B A | No |
| 409014213 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409014226 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409014228 | Yes | XXXXXX | XXXXXX C B A | No |
| 409014250 | Yes | XXXXXX | XXXXXX A | No |
| 409014273 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014294 | Yes | XXXXXX | XXXXXX D A | No |
| 409014305 | Yes | XXXXXX | XXXXXX C A | No |
| 409014672 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409014679 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014690 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409014691 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409014898 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409014906 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015012 | Yes | XXXXXX | XXXXXX A | No |
| 409015013 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409015014 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409015016 | Yes | XXXXXX | XXXXXX D B A C | Not Applicable |
| 409015017 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015018 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015019 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015022 | Yes | XXXXXX | XXXXXX A | No |
| 409015026 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015027 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409015028 | Yes | XXXXXX | XXXXXX A | No |
| 409015031 | Yes | XXXXXX | XXXXXX A | No |
| 409015032 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409015033 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015034 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015035 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015036 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409015038 | Yes | XXXXXX | XXXXXX B A | No |
| 409015039 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015040 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409015041 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409015042 | Yes | XXXXXX | XXXXXX C B A | No |
| 409015044 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015045 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015046 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015047 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015048 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409015051 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409015053 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409015056 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015088 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409015093 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409015098 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015106 | Yes | XXXXXX | XXXXXX D A | No |
| 409015120 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015132 | Yes | XXXXXX | XXXXXX D A | No |
| 409015150 | Yes | XXXXXX | XXXXXX A | No |
| 409015160 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015185 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015186 | Yes | XXXXXX | XXXXXX A | No |
| 409015203 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015212 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409015215 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015426 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015428 | Yes | XXXXXX | XXXXXX D A | No |
| 409015434 | Yes | XXXXXX | XXXXXX C A | No |
| 409015455 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015478 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409015555 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015611 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409015613 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409015650 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015660 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015670 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409015686 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015720 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015754 | Yes | XXXXXX | XXXXXX A | No |
| 409015772 | Yes | XXXXXX | XXXXXX B A | No |
| 409015784 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409015787 | Yes | XXXXXX | XXXXXX A | No |
| 409015853 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409015856 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015906 | Yes | XXXXXX | XXXXXX D A | Not Applicable |
| 409015926 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015949 | Yes | XXXXXX | XXXXXX C B A | Not Applicable |
| 409015957 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015958 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409015962 | Yes | XXXXXX | XXXXXX B A | No |
| 409015965 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015972 | Yes | XXXXXX | XXXXXX A | Not Applicable |
| 409015977 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409015983 | Yes | XXXXXX | XXXXXX D B A | Not Applicable |
| 409015984 | Yes | XXXXXX | XXXXXX C A | Not Applicable |
| 409015994 | Yes | XXXXXX | XXXXXX B A | Not Applicable |
| 409015995 | Yes | XXXXXX | XXXXXX C B A | No |
| 409016002 | Yes | XXXXXX | XXXXXX D A | No |
| 409016074 | Yes | XXXXXX | XXXXXX C A | No |

---

## Exhibit 99.7

**Exhibit 99.7**

**EXHIBIT 99.7 CLAYTON WAIVED CONDITIONS SUMMARY**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **SEMT 2025-8** |
| **Start - End Dates:** | **3/10/2025 - 7/15/2025** |
| **Deal Loan Count:** | **284** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Terms/Guidelines | CRDTER109 | Cash Out Amount Exceeds Guidelines | 2 |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 1 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 1 |
| Credit | Terms/Guidelines | CRDTER4643 | Borrower does not meet guideline requirements | 1 |
| Credit | Credit/Mtg History | CRDCRMH104 | Credit score below guidelines | 2 |
| Credit | Credit/Mtg History | CRDCRMH118 | Mortgage/rental lates exceed guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 3 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception 5% or Less | 4 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | 5 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | LTV/CLTV | CRDLTV3032 | CLTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | LTV/CLTV | CRDLTV3260 | HCLTV Exceeds Guideline Requirement by 10% or more | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2488 | Verbal verification of employment missing | 1 |
| Credit | Income/Employment | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | 2 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Income/Employment | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | 3 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 2 |
| Credit | Income/Employment | CRDINC889 | Income is Not Reasonable | 1 |
| Credit | Assets | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | 1 |
| Credit | Assets | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | 1 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 5 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 2 |
| Property Valuations | Property | PRVAPROP245 | Escrow for Repairs - Not Released | 1 |
| Property Valuations | Appraisal | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | 1 |
| Property Valuations | Appraisal | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | 2 |
| Property Valuations | Appraisal | PRVAAPPR3116 | Missing updated valuation | 2 |
| Compliance | TILA/RESPA Integrated Disclosure | CMPTRID3552 | TRID - Loan Estimate not timely | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 1 |
| Compliance | Documentation | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | 2 |
| Compliance | RESPA | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | 1 |
| **Total** |  |  |  | **58** |

---

©2025 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.

## Exhibit 99.8

**Exhibit 99.8**

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

![](tm2522115d1_ex99-8img001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Redwood Residential Acquisition Corporation (the "Client") via reliance letter. The Review was conducted in May 2025 through June 2025 on mortgage loans with origination dates in March 2025 through May 2025 via files imaged and provided by the original client for review.

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

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 39 mortgage loans totaling an aggregate original principal balance of approximately $55.796 million.

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

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

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

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

---

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

---

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

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

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

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

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

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![](tm2522115d1_ex99-8img001.jpg)

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

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

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

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

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

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

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

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

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

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![](tm2522115d1_ex99-8img001.jpg)

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

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

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

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

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

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

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

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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:

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

| | |
|:---|:---|
| 3.) | for loans with an application date, defined in accordance with § 1026.2(a)(3)(ii), taken on or after 3/1/2021, submitted with a loan designation of Safe Harbor QM (APOR), or Higher Priced QM (APOR), "Revised QM", whether the APR exceeds the average prime offer rate by 2.25 or more percentage points, (additional thresholds applicable for lower loan balances, subordinate lien covered transactions and certain manufactured homes loan amounts), and whether the loan does not meet the credit guidelines without a documented exception and compensating factors. |

---

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

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

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

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

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

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

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

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

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

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

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

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

&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.

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Asset
 documentation;

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

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

&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;

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&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.

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

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

**(9) Disclaimer.**

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

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

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![](tm2522115d1_ex99-8img001.jpg)

**SUMMARY OF FINDINGS AND CONCLUSIONS**

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

**OVERALL RESULTS SUMMARY**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (# Loans)** |
| &nbsp;&nbsp;**Final Loan <br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;30 | &nbsp;&nbsp;39 | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;9 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &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;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**39** |
| &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** | &nbsp;&nbsp;**NRSRO Loan Grades (% Loans)** |
| &nbsp;&nbsp;**Final Loan <br> Grade** | &nbsp;&nbsp;**Final Loan <br> Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;84.62% | &nbsp;&nbsp;76.92% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;64.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;15.38% | &nbsp;&nbsp;23.08% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;35.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception<br> Type** | &nbsp;&nbsp;**Final <br> Exception <br> Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***9*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**9** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**15** |

---

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![](tm2522115d1_ex99-8img001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 39 mortgage loans reviewed, 35 unique mortgage loans had 36 different tape discrepancies across 2 data fields (some mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio. Qualifying Total Debt Ratio variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**%<br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;35 | &nbsp;&nbsp;39 | &nbsp;&nbsp;89.74% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;2.56% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;39 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**36** | &nbsp;&nbsp;**425** | &nbsp;&nbsp;**8.47%** | &nbsp;&nbsp;**39** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

(some totals may not add 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;39 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$55795984.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$55795984.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &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;8 | &nbsp;&nbsp;20.51% | &nbsp;&nbsp;$10492000.00 | &nbsp;&nbsp;18.80% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;$1937000.00 | &nbsp;&nbsp;3.47% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;22 | &nbsp;&nbsp;56.41% | &nbsp;&nbsp;$30763355.00 | &nbsp;&nbsp;55.14% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;7 | &nbsp;&nbsp;17.95% | &nbsp;&nbsp;$12603629.00 | &nbsp;&nbsp;22.59% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &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;39 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$55795984.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &nbsp;&nbsp;**100.00%** |

---

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![](tm2522115d1_ex99-8img001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;26 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$38708066.00 | &nbsp;&nbsp;69.37% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.56% | &nbsp;&nbsp;$1036000.00 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.56% | &nbsp;&nbsp;$1173900.00 | &nbsp;&nbsp;2.10% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;11 | &nbsp;&nbsp;28.21% | &nbsp;&nbsp;$14878018.00 | &nbsp;&nbsp;26.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &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;34 | &nbsp;&nbsp;87.18% | &nbsp;&nbsp;$48780551.00 | &nbsp;&nbsp;87.43% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;5 | &nbsp;&nbsp;12.82% | &nbsp;&nbsp;$7015433.00 | &nbsp;&nbsp;12.57% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;18 | &nbsp;&nbsp;46.15% | &nbsp;&nbsp;$28276083.00 | &nbsp;&nbsp;50.68% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;19 | &nbsp;&nbsp;48.72% | &nbsp;&nbsp;$23820901.00 | &nbsp;&nbsp;42.69% |
| &nbsp;&nbsp;Correspondent Flow without Delegated UW | &nbsp;&nbsp;2 | &nbsp;&nbsp;5.13% | &nbsp;&nbsp;$3699000.00 | &nbsp;&nbsp;6.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;68 | &nbsp;&nbsp;48.57% | &nbsp;&nbsp;$89917246.14 | &nbsp;&nbsp;49.57% |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Credit/Compliance - TRID | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$55795984.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**39** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$55795984.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.9

**Exhibit 99.9**

**EXHIBIT 99.9 amc loan SECURITIZATION report set**

![](tm2522115d1_ex99-9img001.jpg)

**Rating Agency Grades**

**Run Date - 7/28/2025 1:07:00 PM**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 3558533681 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3559774588 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 3559813567 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3554204693 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 3558902881 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3558925523 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3559396237 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3559630098 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3559283762 | XXXX |  |  | B | C | A | C | B | B | A | B |  |
| XXXX | 3560383871 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3558499518 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3558620066 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3558670312 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3558994726 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3559090496 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3559446340 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3559834776 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3560651366 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3560756213 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 3561074178 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3561245328 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 3559929969 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3560799769 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3561155837 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3561634715 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 3559581494 | XXXX |  |  | B | A | A | B | B | A | A | B |  |
| XXXX | 3560445371 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3560866889 | XXXX |  |  | C | A | A | C | B | A | A | B |  |
| XXXX | 3555284854 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3558566155 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3559330828 | XXXX |  |  | C | C | A | C | A | A | A | A |  |
| XXXX | 3559818881 | XXXX |  |  | A | C | A | C | A | B | A | B |  |
| XXXX | 3560448313 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 3558788090 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 3558874867 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 3560513098 | XXXX |  |  | A | B | A | B | A | B | A | B |  |
| XXXX | 3560922240 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3555920340 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 3560371992 | XXXX |  |  | A | A | A | A | A | A | A | A |  |

---

![](tm2522115d1_ex99-9img001.jpg)

**Exception Grades**

**Run Date - 7/28/2025 1:07:00 PM** 

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 3558533681 | XXXX |  | 33583788 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] business days of the Note. |  | Please provide the Third Party Verification from [redacted] dated [redacted] as indicated on the [redacted] Verbal Verification form. |  |  |  | Reviewer Comment (2025-04-15): Received third party document within [redacted] business days of the note date. Exception cleared<br>Buyer Comment (2025-04-14): Please see the attached voe. | 04/15/2025 |  |  | 1 C A |  | XXXX | Primary | Refinance - Cash-out - Other | C A | XXXX | XXXX | No |
| XXXX | 3559774588 | XXXX |  | 33583800 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXXX | Second Home | Purchase | B A | XXXX | XXXX | No |
| XXXX | 3559813567 | XXXX |  | 33583805 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-04-14): Disclosure tracking provided<br>Buyer Comment (2025-04-14): Please see attached confirming the LE was viewed. | 04/14/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | No Defined Cure B A | XXXX | XXXX | No |
| XXXX | 3559813567 | XXXX |  | 33583804 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-04-14): Seller acknowledges the exception, no change to grading. |  |  | 04/14/2025 | 2 B |  | XXXX | Primary | Purchase | Good Faith Redisclosure C B A | XXXX | XXXX | Yes |
| XXXX | 3554204693 | XXXX |  | 33583808 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The subject property zoning is [redacted] which is not allowed per guidelines. Please provide evidence of Lender Exception made prior to closing, along with the compensating factors utilized in the exception determination, in order to waive and re-grade. |  |  |  | Reviewer Comment (2025-04-18): Per client's rebuttal, subject zoning meets guidelines. Exception cleared.<br>Buyer Comment (2025-04-18): Property meets guidelines, please clear this issue.<br>Reviewer Comment (2025-04-18): The subject's zoning was called out to us by [redacted] when the loan was originally delivered, indicating subject was zoned [redacted]. Guidelines do specifically state this is not allowed. Can you please confirm that you want this cleared based on the attestation it meets guidelines, since [redacted] is the one who called it out to us. Thanks!<br>Buyer Comment (2025-04-17): The appraisal notes the subject has no agricultural use and is not income producing, subject meets guidelines. Zoning is specifically [redacted] or [redacted] open space per being on [redacted] acres with a shed and no out buildings, no animals etc. | 04/18/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | 3554204693 | XXXX |  | 33583811 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[redacted] is over disclosed by $[redacted] compared to the calculated Amount Financed of $[redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure disclosed an amount financed of $[redacted]; calculated amount financed is $[redacted]. Variance is $[redacted]. Variance is due to the Section [redacted] Title - Administration Fee. Documentation required to verify the specific purpose of this fee to verify it is a purpose that would qualify for exclusion from finance charge under [redacted]([redacted]). |  |  |  | Reviewer Comment (2025-04-22): [redacted] received statement of fee purpose.<br>Reviewer Comment (2025-04-17): Title - Admin Fee disclosed in section [redacted] and paid to the title company is being tested as a APR Fee. Please provide documentation of fee purpose, or cure.<br>Buyer Comment (2025-04-17): Please review the itemization of credits document in your loan file on page [redacted] and exclude the applicable credits in line with the $[redacted] allocation reflected on this document. | 04/22/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | XXXX | XXXX | Yes |
| XXXX | 3554204693 | XXXX |  | 33583812 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [redacted] disclosed an inaccurate Finance Charge on page [redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[redacted] is under disclosed by $[redacted] compared to the calculated Finance Charge of $[redacted] which exceeds the $[redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [redacted]). | Final Closing Disclosure disclosed a finance charge of $[redacted]; calculated finance charge is $[redacted]. Variance of $[redacted]. Variance is due to the Section [redacted] Title - Administration Fee. Documentation required to verify the specific purpose of this fee to verify it is a purpose that would qualify for exclusion from finance charge under [redacted]([redacted]). |  |  |  | Reviewer Comment (2025-04-22): [redacted] received statement of fee purpose.<br>Buyer Comment (2025-04-21): Please see the attached email confirmation from the title provider stating the purpose of the Admin fee. This fee is for preparing loan related documents, wires, courier fees and is charged on all transactions (financing or cash). This fee is excludable as a real estate related fee and per being payable in a comparable cash transaction.<br>Reviewer Comment (2025-04-17): Title - Admin Fee disclosed in section [redacted] and paid to the title company is being tested as a APR Fee. Please provide documentation of fee purpose, or cure.<br>Buyer Comment (2025-04-17): Please review the itemization of credits document in your loan file on page [redacted] and exclude the applicable credits in line with the $[redacted]allocation reflected on this document. | 04/22/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | XXXX | XXXX | Yes |
| XXXX | 3558925523 | XXXX |  | 33583821 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Review Fee was not disclosed on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-04-15): [redacted] received a valid COC.<br>Buyer Comment (2025-04-15): [redacted]: Please see the attachment. | 04/15/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | 3559396237 | XXXX |  | 33583824 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Although the Change of Circumstance for the [redacted] CD indicates the Lender Credit was reduced to $[redacted], the CD issued that date show the lender credit as $[redacted]. This results in a tolerance cure violation in the amount of $[redacted]. |  |  |  | Reviewer Comment (2025-04-23): [redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-04-22): Please see the attached pccd, copy of check, lox and shipping label.<br>Reviewer Comment (2025-04-17): [redacted] received rebuttal, However, if the creditor subsequently reduces the specific lender credit by $[redacted]because the Lender Title insurance and Recording fee decreased, then the creditor has a [redacted]-tolerance standard violation because, although the amount of the Lender Title insurance and recording fee decreased on CD dated [redacted], the amount of the lender credit decreased. (Comment [redacted]([redacted])(i)-[redacted]). Cure would be required. Lender credit is separate fee from Lender Title insurance and Recording fee and is tested separately. No valid changed circumstance provided for reduction in lender credit. Cure with Corrected CD, LOE to borrower, copy of cure refund for $[redacted]and proof of mailing.<br>Buyer Comment (2025-04-16): The CD issued [redacted] discloses the reduction in lender credits within [redacted] days of the CIC. Therefore, no tolerance violation exists. Please see the CD on page [redacted]. |  | 04/23/2025 |  | 2 C B |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | 3559283762 | XXXX |  | 33583851 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least [redacted] business days prior to closing. | The file only contained the final closing disclosure. Please provide the initial and any subsequent CD's (if applicable) issued to the borrower for review. |  |  |  | Reviewer Comment (2025-04-22): [redacted] received [redacted] Initial CD, [redacted] business days prior to the consummation.<br>Buyer Comment (2025-04-21): Please see the attached initial CD. | 04/22/2025 |  |  | 1 C A |  | XXXX | Primary | Refinance - Rate/Term | No Defined Cure B A | XXXX | XXXX | No |
| XXXX | 3559283762 | XXXX |  | 33583852 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Final Closing Disclosure provided on [redacted] incorrectly disclosed Homeowners Insurance Included In Escrow Test. |  |  |  | Reviewer Comment (2025-04-22): Corrected CD issued prior to reporting within [redacted] days of closing.<br>Buyer Comment (2025-04-21): The post close corrected CD issued on [redacted] (pg [redacted]/[redacted]) corrected this error and shows the HOI is not escrowed on page [redacted]. |  | 04/22/2025 |  | 2 C B |  | XXXX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | XXXX | XXXX | Yes |
| XXXX | 3559283762 | XXXX |  | 33583849 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-04-21): Seller acknowledges. No change to grading. |  |  | 04/21/2025 | 2 B |  | XXXX | Primary | Refinance - Rate/Term | C B A | XXXX | XXXX | No |
| XXXX | 3558499518 | XXXX |  | 33583859 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Asset) not provided |  | The file is missing the fully executed Final Closing Statement for the sale of $[redacted] to verify the total net equity received and that all liens are paid and closed. Please provide for review. |  |  |  | Reviewer Comment (2025-04-29): Received closing statement for the sold property located at "[redacted]". Exception cleared.<br>Buyer Comment (2025-04-29): Please see the attached alta. | 04/29/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | 3558499518 | XXXX |  | 33583860 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] days of the Note. |  | The file is missing the verbal verification of employment obtained within [redacted] business days of closing. |  |  |  | Reviewer Comment (2025-04-30): Updated VVOE was provided to satisfy exception. Exception cleared.<br>Buyer Comment (2025-04-30): The loan is [redacted]. The attached post close VOE will should be sufficient to cure this exception. | 04/30/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | 3558620066 | XXXX |  | 33583864 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-05-08): Seller acknowledges exception, no change to grading. |  |  | 05/08/2025 | 2 B |  | XXXX | Second Home | Refinance - Rate/Term | Good Faith Redisclosure C B A | XXXX | XXXX | Yes |
| XXXX | 3558620066 | XXXX |  | 33583865 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-05-09): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-08): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically. | 05/09/2025 |  |  | 1 C A |  | XXXX | Second Home | Refinance - Rate/Term | No Defined Cure B A | XXXX | XXXX | No |
| XXXX | 3558670312 | XXXX |  | 33583868 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted] exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as -$[redacted] on the CD dated [redacted], but was disclosed as -$[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-14): [redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-14): Please see the attached for the LOE to client, check copy, corrected CD and shipping label. |  | 05/14/2025 |  | 2 C B |  | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | 3559446340 | XXXX |  | 33583874 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $[redacted] exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Tax Service Fee was last disclosed as $[redacted] on the Loan Estimate, but was disclosed as $[redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-09): [redacted] received COC dated [redacted]<br>Buyer Comment (2025-05-08): Increase in Tax Service fee was due to increase in loan amount. Please see attached screenshots of the valid internal CIC for the Loan Amount increase, and subsequent increase in Tax Service fee. CIC was created and completed on [redacted], and increase was disclosed [redacted]. Increase allowed per regulation. No cure needed. Please cure. | 05/09/2025 |  |  | 1 C A |  | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | 3560756213 | XXXX |  | 33583882 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-05-08): Seller acknowledges. No change to grading. |  |  | 05/08/2025 | 2 B |  | XXXX | Primary | Purchase | Good Faith Redisclosure B A | XXXX | XXXX | Yes |
| XXXX | 3561245328 | XXXX |  | 33583894 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges exception, no change to grading. |  |  | 05/14/2025 | 2 B |  | XXXX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | 3561634715 | XXXX |  | 33583953 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges exception, no change in grading |  |  | 05/14/2025 | 2 B |  | XXXX | Primary | Purchase | B A | XXXX | XXXX | No |
| XXXX | 3559581494 | XXXX |  | 33583960 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges exception, no change to grading. |  |  | 05/14/2025 | 2 B |  | XXXX | Primary | Refinance - Rate/Term | B A | XXXX | XXXX | No |
| XXXX | 3560866889 | XXXX |  | 33583970 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges exception, no change in grading |  |  | 05/14/2025 | 2 B |  | XXXX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | 3560866889 | XXXX |  | 33583972 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted] [redacted] days of the Note. |  | The lender's VVOE form states [redacted] for the borrower was pulled on [redacted]. This verification was missing from the file. |  |  |  | Reviewer Comment (2025-05-15): Received third party verification document. Exception cleared<br>Buyer Comment (2025-05-14): please see post close verification attached | 05/15/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | C B A | XXXX | XXXX | No |
| XXXX | 3559330828 | XXXX |  | 33583984 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / [redacted]not provided |  | Please provide revised Loan Underwriting and Transmittal Summary including the PITIA for the property on [redacted] or provide evidence for the exclusion. |  |  |  | Reviewer Comment (2025-05-22): Received updated 1008.Exception cleared<br>Buyer Comment (2025-05-21): We do not have the ability to list out the [redacted] property on the 1008. However, the 1008 attached has the DTI corrected. The current DTI on the 1008 includes the property at [redacted]. | 05/22/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | 3559330828 | XXXX |  | 33583983 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within [redacted] or [redacted] and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-05-14): Received Final Title Policy report. Exception cleared.<br>Buyer Comment (2025-05-14): Please see attached, final title policy which confirms the coverage details | 05/14/2025 |  |  | 1 B A |  | XXXX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | 3559330828 | XXXX |  | 33583982 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-05-15): Final Title Policy provided. Exception cleared. | 05/15/2025 |  |  | 1 A |  | XXXX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | 3559330828 | XXXX |  | 33583981 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted] Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted] Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was added on the Loan Estimate issued on [redacted] in the amount of $[redacted]. No valid COC was provided for this change, nor evidence of cure. Provide an acceptable COC or a post close CD disclosing the tolerance violation of $[redacted], a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-16): Client provided documentation showing the purchase contract was received [redacted] , at which time the transfer tax which was reflected as a [redacted]/[redacted]split between buyer and seller was discovered. This is a valid COC for the addition of the transfer tax. It's further noted that the initial 1003 was not signed by all borrowers until [redacted], which gives further credence to receipt of the finalized contract on [redacted]. The property was not identified until [redacted] per Evidentiary Document, so this timeline makes sense. Exception cleared.<br>Reviewer Comment (2025-05-15): [redacted] received rebuttal comment. However, the purchase agreement was available to review at the time of initial disclosure, reviewing the [redacted] later is not a valid changed circumstance. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.<br>Buyer Comment (2025-05-14): Please see attached, timestamp of when we received the purchase agreement. Please see page [redacted]/[redacted]. The purchase agreement disclosed the transfer taxes would be split between the buyer and seller [redacted]/[redacted]. We received this document at [redacted]. The loan estimate issued on [redacted] disclosed the $[redacted]in transfer taxes once the information was changed. The COC was receiving the purchase agreement. | 05/16/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | XXXX | XXXX | Yes |
| XXXX | 3559818881 | XXXX |  | 33583985 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:[redacted] Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[redacted]exceeds tolerance of $-[redacted]. Insufficient or no cure was provided to the borrower. | The CD's issued on [redacted] and [redacted] reflect lender paid costs in the amount of $[redacted]. The final Closing Disclosure reflects a reduction to $[redacted]. There was no CofC found or tolerance cure given. Please provide a post close CD disclosure the tolerance violation, copy of the refund check, proof of delivery and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-21): [redacted] received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-05-21): Please see separately attached closing disclosure moving the fee to Section [redacted] as this was entered in Section [redacted] in error, the fee was not paid to an affiliate and should not be subject to tolerance testing.<br>Buyer Comment (2025-05-21): Please see the attached post-close corrected closing disclosure curing this issue. |  | 05/21/2025 |  | 2 C B |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | 3559818881 | XXXX |  | 33583988 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Percent Fee Tolerance exceeded. Total amount of $[redacted] exceeds tolerance of $[redacted] plus [redacted]% or $[redacted]. Insufficient or no cure was provided to the borrower. | The tolerance cure is due to the increase in the mortgage/other recording fee totaling $[redacted] and the additional of the Title - Closing Protection Fee in section [redacted]. There was no CofC found or tolerance cure given. Please provide a post close CD disclosure the tolerance violation, copy of the refund check, proof of delivery and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-05-21): [redacted] received corrected PCCD and LOE moving the fee from section [redacted] to [redacted].<br>Buyer Comment (2025-05-21): Please see separately attached closing disclosure moving the fee to Section [redacted] as this was entered in Section [redacted] in error, the fee was not paid to an affiliate and should not be subject to tolerance testing. | 05/21/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | XXXX | XXXX | Yes |
| XXXX | 3560448313 | XXXX |  | 33583992 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | The appraisal indicates the subject is a [redacted] and a [redacted] Rider was not found. |  |  |  | Reviewer Comment (2025-05-15): Property is confirmed as SFR. Exception Cleared.<br>Buyer Comment (2025-05-14): Please be advised that the property is not a [redacted], property type was reviewed during origination and determined to be a single family residence. The governing documents do not contain any verbiage that there is a mandatory membership in the association. | 05/15/2025 |  |  | 1 C A |  | XXXX | Primary | Purchase | C A | XXXX | XXXX | No |
| XXXX | 3558788090 | XXXX |  | 33584010 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-05-15): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-14): Please see the attached internal screenshot showing that the LE dated [redacted] [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically. | 05/15/2025 |  |  | 1 C A |  | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | XXXX | XXXX | No |
| XXXX | 3558788090 | XXXX |  | 33584011 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-05-15): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-14): Please see the attached internal screenshot showing that the LE dated [redacted] [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically. | 05/15/2025 |  |  | 1 C A |  | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | XXXX | XXXX | No |
| XXXX | 3558788090 | XXXX |  | 33584012 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [redacted] not received by borrower at least [redacted] business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate was missing from the file. |  |  |  | Reviewer Comment (2025-05-15): [redacted] received proof of earlier electronic receipt<br>Buyer Comment (2025-05-14): Please see the attached internal screenshot showing that the LE dated [redacted] was viewed/received by the borrower on [redacted]. Please be aware, '[redacted]' denotes the time the LE was viewed/received by the borrower electronically. | 05/15/2025 |  |  | 1 C A |  | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | XXXX | XXXX | No |
| XXXX | 3558874867 | XXXX |  | 33584014 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a [redacted] by the same creditor. The H-[redacted] form was used, the H-[redacted] form should have been used. |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges exception, no change to grading. |  |  | 05/14/2025 | 2 B |  | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form B | XXXX | XXXX | Yes |
| XXXX | 3560513098 | XXXX |  | 33584020 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-05-14): Seller acknowledges the exception, no change to grading. |  |  | 05/14/2025 | 2 B |  | XXXX | Primary | Purchase | Good Faith Redisclosure B A | XXXX | XXXX | Yes |

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![](tm2522115d1_ex99-9img001.jpg)

**Valuation Report**

**Run Date - 7/28/2025 1:07:00 PM**

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| **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** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | 3558533681 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | AVM |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 3559774588 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3559813567 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | 3554204693 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | 3558902881 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3558925523 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| XXXX | 3559396237 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3559630098 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| XXXX | 3559283762 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3560383871 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
| XXXX | 3558499518 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 3558620066 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXXX | 3558670312 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 3558994726 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXXX | 3559090496 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3559446340 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
| XXXX | 3559834776 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
| XXXX | 3560651366 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 3560756213 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | 3561074178 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 3561245328 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| XXXX | 3559929969 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 3560799769 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | 3561155837 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
| XXXX | 3561634715 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | 3559581494 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 3560445371 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | 3560866889 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | 3555284854 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| XXXX | 3558566155 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | AVM |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3559330828 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 3559818881 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
| XXXX | 3560448313 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
| XXXX | 3558788090 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | 3558874867 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | 3560513098 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | 3560922240 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | 3555920340 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| XXXX | 3560371992 | XXXX |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | XXXX |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |

---

![](tm2522115d1_ex99-9img001.jpg)

**Supplemental Data**

**Run Date - 7/28/2025 1:07:01 PM** 

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
| XXXX | 3558533681 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559774588 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559813567 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 4 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3554204693 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558902881 | XXXX |  | XXXX |  |  |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558925523 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559396237 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559630098 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559283762 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No | 27 |  |  |  | Yes | Preliminary |  | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX | XXXX |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560383871 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558499518 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558620066 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558670312 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No | 26 |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558994726 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559090496 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  | 14 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559446340 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559834776 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560651366 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560756213 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 1 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3561074178 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 1 | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3561245328 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559929969 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 | 2 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560799769 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Business License - 2025<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2025<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2024<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2023<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2023<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3561155837 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 4 | 4 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3561634715 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559581494 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560445371 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX |  |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560866889 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 1 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | Yes | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3555284854 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558566155 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559330828 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX | XXXX |  | XXXX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2025 | [Borrower]; 1040 - 2024<br> [Borrower]; Account Transcripts - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; Account Transcripts - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3559818881 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560448313 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | Yes | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558788090 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3558874867 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560513098 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560922240 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3555920340 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
| XXXX | 3560371992 | XXXX |  | XXXX |  |  |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | No | XXXX |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | XXXX | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | XXXX | XXXX | XXXX | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | XXXX |  | No | No |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

![](tm2522115d1_ex99-9img001.jpg)

**ASF**

**Run Date - 7/28/2025 1:07:01 PM**

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| **Primary Servicer** | **Servicing Fee Percentage** | **Servicing Fee Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Loan Number** | **Amortization Type** | **Lien Position** | **Heloc Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Points in Dollars** | **Covered High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amounts** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien in Months** | **Neg Am Limit of Most Senior Lien** | **Junior Mortgage Balance** | **Origination Date of Most Senior Lien** | **Origination Date** | **Original Loan Amount** | **Original Interest Rate** | **Original Amortization Term** | **Original Term to Maturity** | **First Payment Date of Loan** | **Interest Type Indicator** | **Original Interest Only Term** | **Buy Down Period** | **HELOC Draw Period** | **Current Loan Amount** | **Current Interest Rate** | **Current Payment Amount Due** | **Interest Paid Through Date** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Rounding Factor** | **Initial Fixed Rate Period** | **Initial Interest Rate Cap Change Up** | **Initial Interest Rate Cap Change Down** | **Subsequent Interest Rate Reset Period** | **Subsequent Interest Rate Change Down** | **Subsequent Interest Rate Change Up** | **Lifetime Maximum Rate Ceiling** | **Lifetime Minimum Rate Floor** | **Negative Amortization Limit** | **Initial Negative Amortization Recast Period** | **Subsequent Negative Amortization Recast Period** | **Initial Fixed Payment Period** | **Subsequent Payment Reset Period** | **Initial Periodic Payment Cap** | **Subsequent Periodic Payment Cap** | **Initial Minimum Payment Reset Period** | **Subsequent Minimum Payment Reset Period** | **Option ARM Indicator** | **Options at Recast** | **Initial Minimum Payment** | **Current Minimum Payment** | **Prepayment Penalty Calculation** | **Prepayment Penalty Type** | **Prepayment Penalty Total Term** | **Prepayment Penalty Hard Term** | **Primary Borrower ID** | **Number of Mortgaged Properties** | **Total Number of Borrowers** | **Self Employment Flag** | **Current Other Monthly Payment** | **Length of Employment Borrower** | **Length of Employment Co Borrower** | **Years in Home** | **FICO Model Used** | **Most Recent FICO Date** | **Primary Wage Earner Original FICO Equifax** | **Primary Wage Earner Original FICO Experian** | **Primary Wage Earner Original FICO Transunion** | **Secondary Wage Earner Original FICO Equifax** | **Secondary Wage Earner Original FICO Experian** | **Secondary Wage Earner Original FICO Transunion** | **Most Recent Primary Borrower FICO** | **Most Recent Co Borrower FICO** | **Most Recent FICO Method** | **Vantagescore Primary Borrower** | **Vantagescore Co Borrower** | **Most Recent Vantagescore Method** | **Vantagescore Date** | **Credit Report Longest Trade Line** | **Credit Report Maximum Trade Line** | **Credit Report Number of Trade Lines** | **Credit Line Usage Ratio** | **Most Recent 12 Month Pay History** | **Months Bankruptcy** | **Months Foreclosure** | **Primary Borrower Wage Income** | **Co Borrower Wage Income** | **Primary Borrower Other Income** | **Co Borrower Other Income** | **All Borrower Wage Income** | **All Borrower Total Income** | **4506T/C Indicator** | **Borrower Income Verification Level** | **Co Borrower Income Verification Level** | **Borrower Employment Verification Level** | **Co Borrower Employment Verification Level** | **Borrower Asset Verification Level** | **Co Borrower Asset Verification Level** | **Liquid Cash Reserves** | **Monthly Debt All Borrowers** | **Originator DTI** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment From Borrower Own Funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sales Price** | **Original Appraised Property Value** | **Original Property Valuation Type** | **Original Property Valuation Date** | **Original Automated Valuation Model AVM Model Name** | **Original AVM Confidence Score** | **Most Recent Property Value** | **Most Recent Property Valuation Type** | **Most Recent Property Valuation Date** | **Most Recent AVM Model Name** | **Most Recent AVM Confidence Score** | **Original CLTV** | **Original LTV** | **Original Pledged Assets** | **Mortgage Insurance Company Name** | **Mortgage Insurance Percent** | **MI Lender or Borrower Paid** | **Pool Insurance Co Name** | **Pool Insurance Stop Loss Percent** | **MI Certificate Number** | **Updated DTI Front End** | **Updated DTI Back End** | **Modification Effective Payment Date** | **Total Capitalized Amount** | **Total Deferred Amount** | **Pre Modification Interest Note Rate** | **Pre Modification P&I Payment** | **Pre Modification Initial Interest Rate Change Downward Cap** | **Pre Modification Subsequent Interest Rate Cap** | **Pre Modification Next Interest Rate Change Date** | **Pre Modification IO Term** | **Forgiven Principal Amount** | **Forgiven Interest Amount** | **Number of Modifications** | **Real Estate Interest** | **Community Ownership Structure** | **Year of Manufacture** | **HUD Code Compliance Indicator Y/N** | **Gross Manufacturers Invoice Price** | **LTI Loan to Invoice Gross** | **Net Manufacturers Invoice Price** | **LTI Net** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community Related Party Lender Y/N** | **Defined Underwriting Criteria Y/N** | **Chattel Indicator** |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 95 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 273 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 5 | 1 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 112 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 77 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 296 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 7 |  | 21 | 0.180000 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 296 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 7 |  | 21 | 0.110000 | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 1 | 2 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 244 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 314 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 29 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 177 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 166 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 29 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 16 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 4 | 3 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 186 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 5 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 322 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 3 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 222 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 4 | 3 | 3 | 2 | 2 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 113 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 123 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 232 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 104 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 273 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 2 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 211 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 323 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 172 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 46 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 64 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 261 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 113 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 5 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 165 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 272 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 271 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 164 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 4 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 224 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 395 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 3 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 137 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 208 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 236 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 1 | 1 | 3 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  | XXXX | 9 |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 80 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 9999999 | 0.000000 |  | 99 |  | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | XXXX | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 99 | XXXX | XXXX | XXXX | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 3 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | 3 |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

**Exhibit 99.10**

![](tm2522115d1_ex99-10img001.jpg)

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by Redwood Residential Acquisition Corporation. The review included a total of 107 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2025-8 (the "Securitization"). The Review was conducted from February 2025 through July 2025 on mortgage loans originated between February 2025 and July 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Validate monthly recurring liabilities

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. General
QM for any loans originated under the GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5% for a first-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5% for a first-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5% for a subordinate-lien covered transaction with a loan amount greater than or equal to the applicable dollar amount threshold;
and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a subordinate-lien covered transaction with a loan amount less than the applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25% for a first-lien covered transaction secured by a manufactured home with a loan amount equal to or greater than the applicable
dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5% for a covered transaction secured by a manufactured home with a loan amount less than applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The consumer's debt obligations, alimony, child support; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification in compliance with one of the "safe harbor" guidelines will meet the QM verification requirement. A creditor
is allowed to "mix and match" provisions of the different guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sections II.A.1 and II.A.4-5 of the Federal Housing Administration's Single Family Housing Policy Handbook, issued October 24,
2019;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Chapter 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct Single Family Housing Program, revised
March 15, 2019; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Chapters 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single Family Guaranteed Loan Program, revised
March 19, 2020.

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (107 loans in total):

Four (4) loans had a Secondary Appraisal, zero (0) loans had an AVM, and ninety-nine (99) loans had a Desktop Review.

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

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

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the one hundred seven (107) mortgage loans reviewed, fifty-two (52) unique mortgage loans (48.60% by loan count) had a total of one hundred sixty-one (161) discrepancies across thirty-one (31) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy<br> Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Originator DTI | &nbsp;&nbsp;42 | &nbsp;&nbsp;26.09% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;13 | &nbsp;&nbsp;8.07% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.83% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;11 | &nbsp;&nbsp;6.83% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;9 | &nbsp;&nbsp;5.59% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.97% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;8 | &nbsp;&nbsp;4.97% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;6 | &nbsp;&nbsp;3.73% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;Cash Out Amount | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.11% |
| &nbsp;&nbsp;Total Qualified Assets Post-Close | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.48% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.86% |
| &nbsp;&nbsp;Cash to Close | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.24% |
| &nbsp;&nbsp;Refinance Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Interested Party Contributions | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Total Qualified Assets for Reserves Post-Close | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 1 Origination FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.62% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**161** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 99 | $125798998.00 | 92.52% |
| Event Grade B | 8 | $10855800.00 | 7.48% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 107 | $136654798.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 103 | 96.26% |
| Event Grade B | 4 | 3.74% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 107 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 102 | 95.33% |
| Event Grade B | 5 | 4.67% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 107 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 107 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 107 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception<br> Level<br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;HMDA Data Tape Not Provided | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Not Provided | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;AUS Partially Provided | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Tax Returns Not Signed | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Executed 4506-T Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Personal Tax Returns Missing | &nbsp;&nbsp;2 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 1 Photo Identification not provided | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Borrower 1 W2/1099 Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 IRS Transcripts Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income 3 Months Income Verified is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 1 1040 Schedule E Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income 4 Months Income Verified is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Title Coverage is Less than Subject Lien | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Potential Occupancy/Current Address Issues identified in the file | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Lender Income Calculation Worksheet | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;ATR: Current Employment Not Verified | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Borrower 2 Photo Identification not provided | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing Trust Agreement | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Missing US Patriot Act Disclosure or ID | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Hazard insurance dwelling coverage is not sufficient | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***135*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower 1 Credit Report is Incomplete | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset 4 Expired | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds AUS DTI | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Required Affiliated Business Disclosure | &nbsp;&nbsp;3 |

---

---

| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Charges That In Total Cannot Increase More Than 10% Test | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;2 |
|  |  | &nbsp;&nbsp;Missing Initial Escrow Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;RESPA Homeownership Counseling Organizations Disclosure Date Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Condo Rider is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Lender Credits That Cannot Decrease Test | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Initial Loan Estimate Delivery Date Test (from application) | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***29*** |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | &nbsp;&nbsp;3 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***1*** |

---

**Event Grade Definitions**

---

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

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

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| | |
|:---|:---|
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

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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 | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

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

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## Exhibit 99.11

**Exhibit 99.11**

**EXHIBIT 99.11 CONSOLIDATED ANALYTICS DUE DILIGENCE STANDARD REPORT**

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 700000001 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 02/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 02/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX If not applicable, a LOE stating there are no HOA dues is required. LOE in file does not have the correct address. Additional conditions may apply. | XXX/XXX XXX: Please see the attached 3rd party listing showing the description of "Community feeling with NO HOA dues, XXX, and XXX. Perfect starter home!" | 03/10/2025 | Lender provided property search for property XXX XXX, reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX If not applicable, a LOE stating there are no HOA dues is required. LOE in file does not have the correct address. Additional conditions may apply. | 03/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000003 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 03/10/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | Please clear this finding; Please clear this finding | 04/11/2025 | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/14/2025 | C B A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2025 | Acknowledged | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% DTI of XXX% exceed the maximum DTI of XXX% per investor overlays. Note: AUS DTI XXX% (LP) , XXX DTI is XXX% | XXX/XXX - See attached updated docs; XXX/XXX - See attached, XXX was paid down to $XXX balance and can be excluded as less than XXX payments to keep DTI eligible.; XXX/XXX - AUS Findings reflected a XXX% DTI as well. Per matrix, XXX% DTI is the XXX for a primary <$XXX, XXX+ FICO, XXX% LTV XXX loan. | 03/20/2025 | XXX approved downgrade to B; Lender provided updated XXX, XXX and AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the AUS approved DTI of XXX%; however, both audit DTI of XXX% and updated AUS approved DT I of XXX% exceed the client overlay maximum of XXX%. XXX approval required for DTI over XXX% client overlay maximum. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX%; Lender agreed with audit rental income calculation of (-$XXX) for property XXX using the schedule E taxes and HOA fees. Lender provided documentation verifying second mortgage on property XXX was paid down to $XXX. Audit re-calculated rental income and has determined audit re-calculated DTI of XXX% exceeds AUS approved DTI of XXX% and client overlay of XXX%. Condition retained.; Lender provided mortgage Statement for second mortgage on property at XXX reflecting mortgage was paid down to $XXX and provided bank Statement verifying XXX mortgage was paid down on XX/XX/XXXX, which is prior to the subject loan closing of XX/XX/XXXX. In addition, please provide documentation to verify the escrows on the mortgage Statement for XXX does in fact include both taxes and insurance. The mortgage Statement is not sufficient verification due to taxes and insurance are higher on the schedule E compared to the mortgage Statement. Please provide updated AUS, 1008 and 1003 adjusting the payment amount for the second mortgage lien on XXX XXX to $XXX and correct rental income for XXX reflecting the DTI is less than the XXX% client overlay maximum allowed. Condition retained.; Audit reviewed Lender's response and has determined the lock date on the loan is XX/XX/XXXX, which is prior to the most current XXX guidelines of XX/XX/XXXX; therefore, the prior version with effective date of XX/XX/XXXX was used for audit review, which reflects a maximum DTI of XXX%. XXX approval required for DTI of XXX%, which is over XXX Guideline overlay maximum of XXX% for loan amounts up to $XXX. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% DTI of XXX% exceed the maximum DTI of XXX% per investor overlays. Note: AUS DTI XXX% (LP) , XXX DTI is XXX% | 03/26/2025 | C B A |
| 700000005 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/06/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Missing evidence of taxes for the property located XXX ,XXXXXX. Mortgage Statement States escrowed, but does not break down tax and insurance. Tax amount on Schedule E of the XXX return, $XXX. LOE from borrower States not HOA, however the return shows $XXX. Additional Conditions may apply. | XXX/XXX - We agree with the updated rental income calculation, however we are providing documentation to show the XXX debt can be excluded to keep the file eligible. ; XXX/XXX - We agree with the updated rental income calculation, however we are providing documentation to show the XXX debt can be excluded to keep the file eligible. ; XXX/XXX - See attached, XXX was paid down to $XXX balance and can be excluded as less than XXX payments to keep DTI eligible.; XXX/XXX - See attached, XXX was paid down to $XXX balance and can be excluded as less than XXX payments to keep DTI eligible. | 03/18/2025 | Lender agreed with audit rental income calculation of (-$XXX) for property XXX XXX using the schedule E taxes and HOA fees. Condition cleared.; XXX Credit Report is not partially present.; Lender provided the credit report and mortgage Statement for property XXX XXX; however, did not provide verification of taxes, insurance and HOA for property XXX XXX. The escrows reflected on the mortgage Statement of $XXX appears to only be for insurance. The schedule E reflects an insurance amount of $XXX annually or $XXX per month, taxes of $XXX annually or $XXX monthly and HOA fees of $XXX annually or $XXX monthly for total taxes and insurance of $XXX and HOA of $XXX per month. Using the taxes and insurance from the schedule E, the audit re-calculation for property XXX XXX results in a negative rental income of (-$XXX) vs Lender's calculation which resulted in a positive rental income of $XXX. Please provide documentation to verify the escrows in the mortgage Statement does in fact include both taxes and insurance. The mortgage Statement is not sufficient verification due to taxes and insurance are higher on the schedule E compared to the mortgage Statement. Condition retained.; XXX Credit Report is Partially Present. Missing evidence of taxes for the property located XXX XXX. Mortgage Statement States escrowed, but does not break down tax and insurance. Tax amount on Schedule E of the XXX return, $XXX. LOE from borrower States not HOA, however the return shows $XXX. Additional Conditions may apply. | 03/19/2025 | C B A |
| 700000007 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000009 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 700000011 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 700000013 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/13/2025 | Resolved | FCOM1227 | Credit | XXX Rider is Missing | XXX Rider is Missing Appraisal report and final XXX show subject property as a XXX, but there is no XXX rider in the file. | ; Documentation received, XXX to review.; Document Uploaded. ; | 03/26/2025 | The XXX Rider is Present or is Not Applicable (Property Type is XXX) | 03/26/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000015 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/19/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000017 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 03/24/2025 | C A |
| 700000019 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Data Tape provided. Loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. (Additional conditions may apply). | 03/26/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000021 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/25/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Due Diligence firm to complete. Condition for informational purposes only. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Due Diligence firm to complete. Condition for informational purposes only. Additional conditions may apply. | 04/02/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($) is insufficient, not meeting the required coverage amount of ($XXX). |  | 04/24/2025 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 700000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | XXX Cure Required. Refund in the amount of$ XXX; cure package requires a XXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount points. The lock date was XX/XX/XXXX but the increase in discount points was not disclosed until the LE dated XX/XX/XXXX This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).XXX or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | ; ; Document Uploaded. ; Documentation received, XXX to review.; Condition Updated XXX; Document Uploaded. ; Documentation received, XXX to review.; Condition Updated XX/XX/XXXX; Document Uploaded. Fees-a coc was submitted on XXX/XXX for update title fees-borrower did shop for their own title co; Documentation received, XXX to review.; | 04/24/2025 | XXX and applicable LE provided; exception resolved; File is missing a copy of the LE dated XX/XX/XXXX, page XXX of that LE was provided but the rest of the LE is missing. Please provide to resolve; The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the loan discount points. The lock date was XX/XX/XXXX but the increase in discount points was not disclosed until the LE dated XX/XX/XXXX | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 700000023 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Disclosure is not signed. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | ; Document Uploaded. ; Documentation received, XXX to review.; | 04/07/2025 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 04/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 700000025 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% AUS has Other monthly payment of $XXX for proposed monthly payment and AUS doe not include Property Tax payment of $XXX. Please provide updated XXX/XXX/AUS. | XXX/XXX XXX: Please see the attached updated AUS findings with the property taxes included. | 04/04/2025 | Lender provided an updated AUS approving DTI of XXX%. Audit DTI of XXX% is within XXX% tolerance of the updated AUS approved DTI of XXX% and both audit DTI of XXX% and updated AUS approved DTI of XXX% are within guidelines maximum of XXX% for XXX amounts up to $XXX. Condition cleared. ; Lender provided an updated AUS approving DTI of XXX%. Audit DTI of XXX% is within XXX% tolerance of the updated AUS approved DTI of XXX% and both audit DTI of XXX% and updated AUS approved DTI of XXX% are within guidelines maximum of XXX% for XXX amounts up to $XXX. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% AUS has Other monthly payment of $XXX for proposed monthly payment and AUS doe not include Property Tax payment of $XXX. Please provide updated XXX/XXX/AUS. | 04/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2025 | Resolved | FCRE9814 | Credit | Missing Trust Agreement | Missing Trust Agreement COT in file is not signed. | XXX/XXX XXX: Please see attached. | 04/04/2025 | Trust Agreement Meets Guideline Requirements; Missing Trust Agreement COT in file is not signed. | 04/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000027 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 03/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000029 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/08/2025 | C A |
| 700000031 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: File is missing the appraisal. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the attached appraisal. | 04/03/2025 | Lender provided copy of appraisal. Condition cleared.; Property/Appraisal Meets Guidelines; Lender provided copy of appraisal. Condition cleared.; Property/Appraisal guideline violation: File is missing the appraisal. Additional conditions may apply. ; Property/Appraisal guideline violation: File is missing the appraisal. Additional conditions may apply. | 04/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the attached copy of the loan integrity report confirming HOA dues are not applicable for XXX | 04/03/2025 | Lender provided property search through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply. | 04/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000033 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%, however is within XXX AUS Credit Guidelines as of XX/XX/XXXX of XXX%. A new AUS is required for t his DTI variance. XXX, lender used $XXX in rental income and net loss of ($XXX). Audit used $XXX from Schedule E, and net loss of (XXX). Approval in file XXX Rental Income from a lease agreement is being used to qualify. The first payment date of the new loan cannot occur before the first rent payment date of XXX/XXX. File does not contain a signed lease agreement. | XX/XX/XXXX - XXX: The discrepancy in the rental income calculation for XXX - XXX stems from the XXXd back of $XXX in XXX expenses. Please see the attached invoices and receipts to support the amount claimed on Line XXX - Repairs of Schedule E. | 04/03/2025 | Audit reviewed Lender's response and receipts for XXX time expenses on property XXX-XXX. Audit recalculated rental income for property, adding back XXX time expenses, which meets AUS and XXX guidelines, which resulted in an audit DTI of XXX%, which is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%, however is within XXX AUS Credit Guidelines as of XX/XX/XXXX of XXX%. A new AUS is required for his DTI variance. XXX-XXX, lender used $XXX in rental income and net loss of ($XXX). Audit used $XXX from Schedule E, and net loss of (XXX). Approval in file Rental Income from a XXX is being used to qualify. The first payment date of the new loan cannot occur before the first rent payment date of XXX/XXX. File does not contain a signed lease agreement. | 04/07/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000035 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/01/2025 | Resolved | FCOM1227 | Credit | XXX Rider is Missing | XXX Rider is Missing File contains a XXX Rider, but not a XXX rider. XXX, AUS, and legal description identify the property as a XXX. The appraisal was performed on a full XXX form as XXX, which matches the property tax docs and HOI. Please confirm property type and update docs if necessary. | ; Update XXX - XXX Rider Uploaded that was in file. Please notify of correct property type and provide documents consistent with property type.; ; | 04/09/2025 | The XXX Rider is Present or is Not Applicable (Property Type is XXX) ; The XXX Rider is Present or is Not Applicable (Property Type is XXX Detached) ; Seller provided documentation to clarify that the subject is detached site XXX. XXX appraisal meets XXX requirements. XXX rider provided; XXX rider not required. Finding is resolved. | 04/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 700000037 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/02/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required. Please provide evidence Borrower received initial Closing Disclosure received within the required XXX days prior to consummation date of XX/XX/XXXX. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | XXX/XXX: Please see the attached CD | 04/07/2025 | Lender provided initial CD. Audit re-ran compliance and has determined CD timing and fees are within tolerance. Condition cleared.; Lender provided initial CD. Audit re-ran compliance and has determined CD timing and fees are within tolerance. Condition cleared. | 04/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide proof that all listed XXX accounts exist and are still owned with current Statements.. For use of interest/dividends as income a XXX average was taken with income of $XXX per month from XXX yrs personal returns with a small amt deducted out since one property was XXX. XXX guidelines require proof of XXX of assets and that assets still exist. Dept. of Treasury(XXX accounts listed) were not provided or identified and XXX is also listed and not provided or identified. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the attached documents confirming the borrowers' ownership in the assets held in the Department of the Treasury. XXXditionally, XXX has been acquired by XXX and all accounts have been moved. Please see the attached confirmation from XXX. | 04/07/2025 | Lender providd XXX verifying Borrower's current ownership in XXX accounts. Condition cleared.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines Lender to provide proof that all listed interest/dividend accounts exist and are still owned with current Statements.. For use of interest/dividends as income a XXX average was taken with income of $XXX per month from XXX yrs personal returns with a small amt deducted out since one property was sold. XXX guidelines require proof of ownership of assets and that assets still exist. XXX(XXX accounts listed) were not provided or identified and XXX is also listed and not provided or identified. Additional conditions may apply. | 04/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided DU approval # XXX: loan application disclosed XXX but XXX. Lender to rerun XXX so that system will provide proper messages for that employer/income. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the attached AUS findings. | 04/07/2025 | Lender provided updated AUS correcting employment and income. Condition cleared.; AUS is not incomplete; AUS Partially Provided DU approval # XXX: loan application disclosed XXX but XXX. Lender to rerun DU designating primary employer so that system will provide proper messages for that employer/income. Additional conditions may apply. | 04/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000039 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/08/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000041 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000043 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The file is missing a signed Final Loan Application for Borrowers XXX & XXX. | XXX/XXX : See attached Final 1003 for borrowers XXX and XXX; XXX/XXX : See attached Final 1003 for borrowers XXX and XXX | 04/09/2025 | Lender provided Final 1003 for Borrower XXX and XXX. Condition cleared.; The Final 1003 is Present; The Final 1003 is Incomplete The file is missing a signed Final Loan Application for Borrowers XXX & XXX. | 04/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% The AUS approved the loan using XXX of $XXX for Borrower XXX. However, the documentation in the file supports a lower income of $XXX, based on the award letter located on page XXX which resulted in a higher XXX of XXX%. | XXX/XXX - The social security calculation is both XXX social security combined. Per their XXX tax return, only XXX% of this income is taxed. We grossed up the XXX which is where the $XXX amount comes from. | 04/07/2025 | Audit reviewed Lender's response and has determined Borrower XXX XX/XX/XXXX tax return verifies XXX% of their XXX is taxable. Lender combined the XXX incomes under XXX under Borrower XXX and grossed up the non taxable portion of the income. The income documentation and tax returns supports Lender's XXX calculation. Audit DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% The AUS approved the loan using Social Security income of $XXX for Borrower XXX. However, the documentation in the file supports a lower income of $XXX, based on the award letter located on page XXX which resulted in a higher debt-to-income ratio of XXX%. | 04/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% The AUS approved the loan using XXX of $XXX for Borrower XXX. However, the documentation in the file supports a lower income of $XXX, based on the award letter located on page XXX which resulted in a higher XXX of XXX%. | XXX/XXX - The social security calculation is both XXX social security combined. Per their XXX tax return, only XXX% of this income is taxed. We grossed up the XXX which is where the $XXX amount comes from. | 04/07/2025 | Audit reviewed Lender's response and has determined Borrower XXX XX/XX/XXXX tax return verifies XXX% of their XXX is taxable. Lender combined the XXX incomes under XXX under Borrower XXX and grossed up the non taxable portion of the income. The income documentation and tax returns supports Lender's XXX calculation. Audit DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared. ; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% The AUS approved the loan using Social Security income of $XXX for Borrower XXX. However, the documentation in the file supports a lower income of $XXX, based on the award letter located on page XXX which resulted in a higher debt-to-income ratio of XXX%. | 04/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000045 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/08/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Missing evidence of any HOA dues for REO at XXX. or an LOE stating no HOA dues. | XXX/XXX: Please see attached. ; XXX/XXX: This is a duplicate condition noted. Are we asking for the other REO located at XXX | 04/07/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing evidence of any HOA dues for REO at XXX. or an LOE stating no HOA dues. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000047 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000049 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/08/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%. Audit calculations are as follows. XXX $XXX,Other Liabilities: $XXX Total Liabilities: $XXX. Borrower Income $XXX, Co Borrower Income:$XXX Total Income:$XXX. DTI of XXX%. There is a difference of $XXX in other liabilities to the lenders calculation. Please provide your calculations or a revised AUS. Additional conditions may apply. | XXX/XXXXXX : Please note that the discrepancy is due to the XXX debts were excluded from the borrower's DTI calculation as they are both paid by the borrowers XXX. XXX months of business assets were provided in the original loan file to document XXX months of payments for each account. The "Other Liabilities" total should only be $XXX, meaning the total liabilities would only be $XXX. | 04/09/2025 | Audit reviewed Lender's response and has determined the XXX payments with XXX are paid by both of Borrower's businesses as verified by the XXX month business bank Statements for each Borrower; therefore, can be omitted from the debt obligations. Audit re-calculated DTI of XXX% is within tolerance of the AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% by XXX%. Audit calculations are as follows. Primary payment $XXX,Other Liabilities: $XXX Total Liabilities: $XXX. Borrower Income $XXX, Co Borrower Income:$XXX Total Income:$XXX. DTI of XXX%. There is a difference of $XXX in other liabilities to the lenders calculation. Please provide your calculations or a revised AUS. Additional conditions may apply. | 04/10/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000051 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply. | XXX/XXX: Please see the attached third party report confirming that there is no HOA linked to the property at XXX | 04/09/2025 | Lender provided property search through XXX reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply. | 04/11/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000053 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/09/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires aXXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points. The file missing the initial CD | XXX/XXX: Please see the attached CD | 04/11/2025 | Lender provided Initial CD. The Origination fee increased to $XXX, with a XXX due to loan amount increase. The Origination Fee decreased to $XXX on the final CD dated XX/XX/XXXX, due to loan amount decrease. Audit re-ran compliance and has determined fees are XXX tolerance. Condition cleared. | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | The Initial CD is missing and the loan failed the initial closing disclosure delivery date test. Provide the Initial CD confirming it was delivered to the borrower no less than XXX business days before the consummation date. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | XXX/XXX: Please see the attached CD | 04/11/2025 | Lender provided initial CD. Condition cleared.; Lender provided initial CD. Condition cleared. | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000055 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Missing evidence the property located at XXX is owned XXX, such as a property profile. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the attached email from the insurance agent confirming no mortgage on XXX. A property detail report has been attached as well. | 04/10/2025 | Lender provided Open Lien Report reflecting property XXX reflecting XXX support property is owned XXX. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing evidence the property located at XXX is owned free and clear, such as a property profile. Additional conditions may apply. | 04/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 700000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | FCRE1334 | Credit | XXX Executed XXX-T Missing | XXX Executed XXX-T Missing Missing a signed XXX for XXX | XX/XX/XXXX - XXX: Please see attached. | 04/10/2025 | XXX Executed XXX Provided; XXX Executed XXX Missing Missing a signed XXX for XXX | 04/15/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000057 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 700000059 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX income in file is $XXX. Lender utilized $XXX. Please provide updated AUS/XXX/XXX. Additional conditions may apply. | XXX/XXXXXX : Please note that both borrowers earn Social Security Income: $XXX per monthnth for XXX and $XXX per monthnth for XXX. | 04/14/2025 | Condition resolved as we have received the missing evidence of XXX Social Security income. ; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% exceeds AUS DTI of XXX% XXX income in file is $XXX. Lender utilized $XXX. Please provide updated AUS/XXX/XXX. Additional conditions may apply. | 04/15/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000061 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000063 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/14/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i). The final sum of specific and non-specific lender credits ($XXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Lender Credit cure required: refund in the amount of $XXX with XXX. The Lender Credits decreased from $XXX on the initial LE dated XX/XX/XXXX, to $XXX on the final CD without a valid COC. Missing the initial CD from the loan file as well. Please provide a valid COC, initial CD dated XXX days prior to closing or cure package. | XXX/XXX: Please see attached Rate Lock sheets COCs, and corresponding disclosure. On XXX-XXX the loan program and rate changed, affecting the XXX, negative pricing disclosed on the XXX-XXX CD via mailbox | 04/16/2025 | Lender provided Initial CD and re-disclosed CD with XXX for decrease in Lender credits, which was due to XXX. Condition cleared.; Lender provided Initial CD and re-disclosed CD with XXX for decrease in Lender credits, which was due to XXX. Condition cleared. | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: File is missing Initial CD. Please provide Initial CD and proof of delivery at least XXX days prior to Consummation. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | CT XXX/XXX: Please see the attached CD | 04/16/2025 | Lender provided Initial CD and re-disclosed CD with XXX for decrease in Lender credits, which was due to XXX. Condition cleared.; Lender provided Initial CD and re-disclosed CD with XXX for decrease in Lender credits, which was due to XXX. Condition cleared. | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000065 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000067 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared. ; XXX Data Tape Provided. | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE7009 | Credit | Hazard insurance dwelling coverage is not sufficient | Hazard Insurance coverage of $XXX is less than required coverage required Lender to provide updated hazard insurance to cover loan amt of $XXX. Current coverage is insufficient as replacement cost was not provided. | XX/XX/XXXX - XXX: Please see the attached email from XXX | 04/14/2025 | Lender provided Replacement cost documentation. Condition cleared.; Hazard Insurance coverage meets guideline requirement; Hazard Insurance coverage of $XXX is less than required coverage required Lender to provide updated hazard insurance to cover loan amt of $XXX. Current coverage is insufficient as replacement cost was not provided. | 04/15/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000069 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/14/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 700000071 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE1334 | Credit | XXX Executed XXX-T Missing | XXX Executed XXX-T Missing Executed XXX-T missing for XXX | XXX/XXX : See attached XXX forms | 04/15/2025 | Lender provided XXX for XXX. Condition cleared.; XXX Executed XXX Provided; XXX Executed XXX Missing Executed XXX missing for XXX | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000073 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. The following accounts listed on the loan application were omitted from the underwriting calculations. Please provide documentation that supports the omission. XXX with a balance of $XXX and a payment of $XXX. Additional conditions may apply. | XXX/XXXXXX : Please note that the debt was excluded because the payments are made by the borrower's business. Please see that we documented the most recent XXX months payments made from the XXX bank account. | 04/15/2025 | Lender provided bank Statement and XXX month payment history verifying Borrower's business pays for XXX. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. The following accounts listed on the loan application were omitted from the underwriting calculations. Please provide documentation that supports the omission. XXX with a balance of $XXX and a payment of $XXX. Additional conditions may apply. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000075 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 700000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines The AUS in file shows income from XXX as XXX's ]. However the XXX shows this income as XXX's. Please provide a corrected AUS. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see the corrected AUS findings for loan #XXX. ; XX/XX/XXXX - XXX: Please see the attached AUS findings. There is only one borrower to the transaction and the borrower is employed by XXX | 04/18/2025 | Lender provided updated AUS reflecting correct information for XXX. The employment and income documentation in file meets updated AUS requirements. Condition cleared.; Income and Employment Meet Guidelines; Audit reviewed Lender's response as well as the AUS provided by the Lender and has determined all documentation in the loan file reflects there are XXX Borrower's on the loan. In addition, the loan number on the AUS provided does not appear to be for the subject transaction. The income for both Borrower's was used in qualification, $XXX for XXX, and $XXX for XXX. Please provide updated AUS reflecting correct employment and income information. Condition retained.; Income and Employment Do Not Meet Guidelines The AUS in file shows income from XXX as XXX's second job. However the XXX shows this income as XXX's. Please provide a corrected AUS. Additional conditions may apply. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply. | XX/XX/XXXX - XXX: Please see attached. There is no indication of HOA dues being applicable for XXX | 04/16/2025 | Lender provided property report through XXX for property XXX reflecting property does not have HOA fees. Condition cleared.; XXX Credit Report is not partially present.; XXX Credit Report is Partially Present. Missing HOA Statement for the property located at XXX. XXX screenshot is not acceptable for HOA documentation. Please provide documentation from HOA, HOA Statements, Appraisal or LOE from the borrower. Additional conditions may apply. | 04/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000077 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $XXX are less than Guideline Required Reserves of $XXX. | XXX/XXXXXX : Please see the attached PCCD reflecting the correct agent credits of $XXX. ; XXX/XXXXXX : Please see that the borrower received agent credits in the total amount of $XXX, as seen on the final settlement Statement. | 04/25/2025 | Lender provided PCCD reflecting the XXX of $XXX matching the final settlement Statement and reflects of $XXX. Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX. Condition cleared.; Audited Reserves of $XXX are equal to or greater than AUS Required Reserves of $XXX.; Lender provided settlement Statement and a commission disbursement authorization; however, the settlement Statement does not match the final CD, the $XXX credit is not reflected on the CD and the commission disbursement authorization reflect commission was paid to the realtor. The CD reflects a XXX of $XXX not $XXX. Reserves are not sufficient to meet requirements. Condition retained. | 04/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter stating no HOA for the property at XXX. Additional conditions may apply. | XXX/XXXXXX : Please see the attached third party records showing that there is no HOA associated with the property at XXX | 04/16/2025 | Lender provided property search through XXX for property XXX, reflecting property does not have HOA fees. Condition cleared. | 04/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000079 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/16/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000081 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared. ; XXX Data Tape Provided. | 04/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000083 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared. ; XXX Data Tape Provided. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 700000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires aXXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points. The file missing the initial CD | XXX XXX/XXX: Disagree, a CDA fee is a valuation fee. This secondary valuation fee has always been disclosed at $XXX. Upon review the fee name was updated to provide better clarity of the service rendered for the borrower prior to closing, and the amount charged at closing did not exceed the estimate previously disclosed on the baseline document. No refund is owed. | 04/18/2025 | Audit reviewed Lender's response and has determined the initial LE reflects a XXX of $XXX. The final CD reflects the appraisal XXX of $XXX, which matches the XXX on the invoice in file. The XXX decreased from initial LE to final CD. Condition cleared.; Audit reviewed Lender's response and has determined the initial LE reflects a XXX of $XXX. The final CD reflects the appraisal XXX fee of $XXX, which matches the XXX on the invoice in file. The XXX decreased from initial LE to final CD. Condition cleared. | 04/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000085 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX ; XXX Data Tape Provided. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000087 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared. ; XXX Data Tape Provided. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of ($XXX) is insufficient, not meeting the required coverage amount of ($XXX). Please provide the revised declaration or the replacement cost estimator showing sufficient coverage. Additional conditions may apply. | XXX/XXX : RCE attached | 05/06/2025 | Lender provided an exterior inspection completed for the insurance company that reflects replacement cost value of $XXX. Hazard insurance coverage of $XXX is sufficient to cover the replacement cost value of XXX. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 05/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000089 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000091 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared. ; XXX Data Tape Provided. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000093 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared. ; XXX Data Tape Provided. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000097 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. | please see attached doc XXX | 04/24/2025 | Lender provided Title policy reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of $XXX is equal to or greater than Total Amount of Subject Lien $XXX; Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien $XXX. | 04/25/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000099 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. Loan is pending XXX data review. Additional conditions may apply. | 04/21/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided.; Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000101 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | FCRE9488 | Credit | Potential Occupancy/Current Address Issues identified in the file | The intent and/or status of the borrower's occupancy is not supported in the file. The signed occupancy affidavit is missing from the file. | XXX/XXX : See attached affidavit | 04/22/2025 | Lender provided Occupancy Affidavit. Condition cleared.; Intent of XXX occupancy supported; The intent and/or status of the XXX occupancy is not supported in the file. The signed occupancy affidavit is missing from the file. | 04/23/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/18/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXX if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | XXX XXX/XXX: Please see the attached Change in Circumstance, $XXX increase due to changes to the deed | 04/24/2025 | Lender provided re-disclosed CD dated XX/XX/XXXX, dated within XXX days of change of circumstance for increase recording fee. Condition cleared.; Lender provided re-disclosed CD dated XX/XX/XXXX, dated within XXX days of change of circumstance for increase recording fee. Condition cleared. | 04/25/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from the borrower stating no HOA for the property at XXX. Additional conditions may apply. | XXX/XXX XXX: Fraudguard indicates the REO has no HOA dues | 04/23/2025 | Lender provided property search through XXX for property XXX reflecting property does not have HOA fees. Condition cleared. | 04/24/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000103 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of HOA or letter from borrower stating no HOA on the property at XXX. Additional conditions may apply. | XXX/XXX : This is a XXX where we did not find any indication of their being an HOA. XXX guidelines do not require an XXX from the borrower if there is no indication the property has HOA dues. There are also no deductions for HOA dues in their asset accounts. Please clarify what is indicating that this property has HOA dues. | 04/23/2025 | Audit reviewed Lender's response and has determined schedule E supports property does not have HOA fee. Condition cleared. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000105 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/21/2025 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing XXX disclosure is a required document. | XXX XXX/XXX Please see attached Patriot Act disclosure | 04/23/2025 | Lender provided completed Patriot Act form for both Borrower. Condition cleared. | 04/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/28/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000107 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/22/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA or a letter from the borrower stating no HOA for the following properties: XXX | XX/XX/XXXX - XXX: Please see attached. The Loan integrity report confirms HOA dues are not applicable for XXX & XXX | 04/24/2025 | Lender provided property search through XXX for property XXX reflecting properties do not have HOA fees. Condition cleared. | 04/25/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000109 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/28/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000111 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000113 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. XXX Tape Provided. The loan is pending XXX data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 04/30/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000115 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 04/29/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The document in file indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower actually received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower at or prior to consummation | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The document in file indicates that the borrower chose to waive the right to receive the appraisal at least XXX days prior to consummation but does not confirm the borrower actually received the appraisal at or prior to consummation since they chose to waive the XXX days right to receive the appraisal. Provide documentation to show the date the borrower received the appraisal to confirm it was received by the borrower at or prior to consummation | 04/30/2025 | Client acknowledges XXX finding. Exception status changed to XXX per client's email request. | 04/30/2025 | Original LTV is Below the Guideline Maximum \| Borrower has stable job time \| Original CLTV is Below the Guideline Maximum A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered No income documentation provided. Please provide a full XXX or XXX of XXX and current XXX with YTD earnings | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 05/13/2025 | Borrower documentation received, exception resolved ; ATR: Reasonable Income or Assets Was Considered; ATR: Reasonable Income or Assets Not Considered | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines No income documentation provided. Please provide a full XXX or XXX of XXX and current XXX with YTD earnings | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 05/13/2025 | Borrower documentation received, exception resolved ; Income and Employment Meet Guidelines | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000119 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/07/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Please provide evidence Borrower received Appraisal within required XXX days prior to consummation | ; ; Documentation received, XXX to review.; Document Uploaded. ; Condition updated XXX; Document Uploaded. ; Documentation received, XXX to review.; | 05/12/2025 | Evidence of appraisal delivery provided.; Please provide verification actual date the borrower received the appraisal. | 05/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing required executed XXX personal tax returns, file contains XXX years of transcripts only. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/15/2025 | ATR: Reasonable Income or Assets Was Considered | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000123 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Resolved | FCRE1319 | Credit | XXX Personal Tax Returns Missing | XXX Personal Tax Returns Missing Missing executed XXX personal tax returns. The file contains XXX years of transcripts only. The lender used the XXX year Schedule C average, and included XXX, which is not reflected on the transcripts provided. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/15/2025 | XXX Personal return all schedules received ; XXX Personal return all schedules received ; XXX Personal Tax Returns Provided | 05/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000125 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/09/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). Evidence that the appraisal was provided to the borrower at or prior to consummation was not found in file. | ; | 05/12/2025 | Client acknowledges XXX finding. Exception status changed to XXX per client's email request. | 05/12/2025 | Qualifying DTI below max allowed. \| is Greater than the Guideline Minimum B A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (XXX CFR §XXX(a)) The loan has a homeownership counseling organizations disclosure date that is not within XXX business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided) ; orThe homeownership counseling organizations disclosure date is after the closing date.Not later than XXX business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX) The website maintained by the XXX for lenders to use in complying with the requirements of this section; or(XXX) Data made available by the XXX or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. | ; Document Uploaded. ; Documentation received, XXX to review.; Condition Updated XXX; Document Uploaded. ; Documentation received, XXX to review.; Condition Updated XXX; ; ; Document Uploaded. ; Documentation received, XXX to review.; | 05/29/2025 | HOC dated XX/XX/XXXX provided; exception resolved; Homeownership counseling list provided for review was dated XX/XX/XXXX which is more than XXX days after application date of XX/XX/XXXX; Homeownership counseling list was dated more than XXX days after application; | 05/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/22/2025 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXX if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | ; Documentation received, XXX to review.; Document Uploaded. ; Condition Updated XXX; Documentation received, XXX to review.; Document Uploaded. ; | 05/22/2025 | Initial LE provided; exception resolved; Initial LE provided; exception resolved; XXX provided in file confirms app date of XX/XX/XXXX, the file does not contain a LE dated with XXX days of application. Provide an LE and XXX dated within XXX days of application to resolve | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000127 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Initial application date is XX/XX/XXXX, LE and HOC dated XX/XX/XXXX as noted by the XXX was not found in file This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (XXX CFR §XXX(e) (XXX) (iii) (A)) The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $XXX, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a) (XXX) and as it relates to §XXX(e) (XXX) (iii) (A) (initial loan estimate disclosure XXX business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §XXX(e) (XXX) (i) (provision of loan estimate form) not later than the XXX business day after the creditor receives the consumer's application. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/22/2025 | Initial LE provided; exception resolved; Initial LE provided; exception resolved | 05/22/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Per XXX AUS Program Eligibility Guide, business income tax returns (if applicable) must be complete with all schedules and must be signed and dated. In XXX, business transcripts for the corresponding year may be provided on or before the closing date. Despite these requirements, the business tax returns provided are not signed, and only personal tax transcripts are included in the loan file. | ; ; ; | 06/03/2025 | documentation in file meets requirement for missing income documentation ; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines; Document Uploaded. | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE1295 | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Please provide documentation verifying the XXX Social Security income of $XXX used in qualification for the subject loan. | ; ; ; | 06/03/2025 | Transcripts acceptable for this condition ; Income XXX Months Income Verified is Present Or Not Applicable | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE1328 | Credit | XXX W2/XXX Missing | XXX W2/XXX Missing. Per XXX AUS Program Eligibility Guide v20, personal income tax returns (if applicable) must be complete with all schedules (XXX forms, XXX etc.) and must be signed and dated. Despite these requirements, the loan file is missing the Borrower's XXX for XXX | ; ; ; ; | 06/03/2025 | Transcripts acceptable for this condition ; XXX W2/XXX Provided | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE1294 | Credit | Income XXX Months Income Verified is Missing | Income XXX Months Income Verified is Missing Please provide documentation verifying the XXX Social Security income of $XXX used in qualification for the loan. | ; ; ; | 06/03/2025 | Transcripts acceptable for this condition ; Income XXX Months Income Verified is Present Or Not Applicable | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% The Lender qualified the loan using debts totaling $XXX and income of $XXX, which included B1 self-employed income of $XXX, social security income of $XXX and B2 social income of $XXX. Audit calculated B1 self-employed income based on the XXX , plus combined social security income of $XXX, totaling $XXX and debts as $XXX increased the DTI to XXX%, exceeding the XXX% tolerance of AUS approved DTI of XXX%. Please provide revised AUS findings utilizing the Borrowers' recalculated income and debts. | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/02/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE2109 | Credit | Missing Lender Income Calculation Worksheet | Please provide a XXX, XXX or equivalent with self-employment income analysis for the Borrower and Income calculation worksheet or XXX with income calculation for the Co-Borrower as required per XXX AUS Program Eligibility Guide XXX. | ; Updated AUS, XXX and income calculation received ; Documentation received, XXX to review.; Document Uploaded. ; | 06/02/2025 |  | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Missing a letter of explanation for all credit inquiries in the last XXX days. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/21/2025 | credit inquiry letter received ; LOE for recent inquiries provided | 06/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000131 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires aXXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points. The file missing the initial CD | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/21/2025 | XXX and LE provided; exception resolved; XXX and LE provided; exception resolved | 05/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/29/2025 | Evidence of eConsent is provided. | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000135 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/27/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 05/29/2025 | Required Affiliated Business Disclosure Documentation Provided | 06/03/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | FCRE1346 | Credit | XXX XXX Schedule E Missing | XXX Schedule E Missing The first XXX pages of the Borrower's XXX are in file, but the complete returns were not provided, missing the Schedules referred to on those pages including but not limited to Schedules XXX, A, and E. | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 06/03/2025 | XXX received ; XXX XXX Schedule E Provided | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing required documentation to support rental income for XXX and missing complete XXX (all schedules) | ; ; Document Uploaded. Documentation received, XXX to review.; See Uploads; | 06/03/2025 | XXX received ; XXX received ; ATR: Reasonable Income or Assets Was Considered | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A C |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | FCRE1319 | Credit | XXX Personal Tax Returns Missing | XXX Personal Tax Returns Missing The first XXX pages of the Borrower's XXX 1040s are in file, but the complete returns were not provided, missing the Schedules referred to on those pages including but not limited to Schedules XXX, A, and E. | ; Document Uploaded. Documentation received, XXX to review.; See Uploads; | 06/03/2025 | XXX Personal Tax Returns Provided | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000137 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing HOA/HOI documentation for REO at XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 06/03/2025 | Property report confirms no HOA | 06/03/2025 | Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000139 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XXX CFR §XXX(e) (XXX) (ii)) The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i). The consumer must receive a revised version of the disclosures required under §XXX(e) (XXX) (i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e) (XXX) (i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. The revised LE does not contain a signature section and the document is cut off at the top to determine the date the borrower viewed it. The revised LE must be received no less than XXX business days prior to consummation. | ; Documentation received, XXX to review.; Document Uploaded. Signed RLE; | 06/02/2025 | Revised LE receipt date provided; exception resolved; Revised LE receipt date provided; exception resolved | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000141 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/28/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | The file did not contain the initial CD This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. | ; Documentation received, XXX to review.; Document Uploaded. Please see attached ICD and audit trail confirming receipt.; Seller to provide missing initial CD. ; | 06/02/2025 | Initial CD provided; exception resolved; Initial CD provided; exception resolved | 06/02/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS findings with an Approve/Ineligible or Accept/ Ineligible. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 06/06/2025 | Matching AUS provided ; AUS is not missing | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. Missing Approval/Underwriting Summary. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 06/06/2025 | Final XXX received ; Approval/Underwriting Summary is fully present | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A B |
| 700000143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Missing the Final 1003. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 06/06/2025 | Executed Final 1003 received ; The Final 1003 is Present | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000143 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/29/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing Missing Deed of Trust. | ; ; | 06/03/2025 | The Deed of Trust is Present; Document Uploaded. | 06/06/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000147 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing XXX closure letter for XXX acct #XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/18/2025 | XXX letter provided, finding resolved ; Property Title Issue Resolved | 06/18/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing lease agreement for departure home at XXX to document monthly rent of $XXX and XXX day average stock price for XXX. | ; | 06/11/2025 | schedule of rents for departure REO located, finding resolved ; ATR: Reasonable Income or Assets Was Considered | 06/11/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum D C A |
| 700000151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Waived | FCRE5774 | Credit | XXX Credit Report is Incomplete | XXX Credit Report is Partially Present. Borrower's XXX credit report is XXX. Per XXX AUS Program Eligibility Guide, credit reports with XXXs identified as "XXX" are required to be XXX and a current credit report with all XXXs XXX is required. | ; ; | 06/11/2025 | XXX per client request via email. Risk accepted for B grade. Client acknowledged the following XXX (XXX) compensating factors for this purpose: XXX) XXX FICO, $XXX in reserves XXX) borrower has been on the job XXX years. | 06/11/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum D C A |
| 700000151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. Missing the Executed Note. | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 06/11/2025 | Note received ; The Note is Present. | 06/11/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum D A |
| 700000151 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Missing lease agreement for departure home at XXX to document monthly rent of $XXX and XXX day average stock price for XXX | ; ; Documentation received, XXX to review.; Document Uploaded. ; | 06/11/2025 | Income and Employment Meet Guidelines; Schedule rents for departure home located in initial package. finding resolved ; XXX day moving average stock price received, file is still pending proof of rental income for departure home | 06/11/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum D C A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/07/2025 | Rescinded | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than XXX% Test | This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXX if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). This loan failed the charges that in total cannot increase more than XXX% test. (XXX CFR §XXX(e) (XXX) (ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the XXX tolerance according to §XXX(e) (XXX) (ii). The final charges that in total cannot increase more than XXX% ($XXX) exceed the comparable charges ($XXX) by more than XXX%. Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in XXX if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §XXX(e) (XXX) (i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §XXX(e) (XXX) (vi). | ; | 06/09/2025 | Error when inputting XXX and XXX in curative, exception NA | 06/09/2025 | D A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCRE0386 | Credit | XXX Photo Identification not provided | XXX Photo Identification not provided. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/09/2025 | All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; Photo Identification provided. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCOM1224 | Compliance | XXX Rider is Missing | XXX Rider is Missing Missing XXX Rider. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/09/2025 | All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The XXX Rider is Present | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing The Final 1003 is Missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/09/2025 | All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The Final 1003 is Present | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing The Deed of Trust is Missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/09/2025 | All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The Deed of Trust is Present | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | FCOM1621 | Compliance | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing Missing Initial and Final Closing Disclosures to verify Escrow. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/09/2025 | XXX provided, exception resolved.; Initial Escrow Account Disclosure is Resolved | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Missing Initial and Final Closing Disclosures. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/09/2025 | Initial and Final CD's provided; Exception resolved; XXX: Final Closing Disclosure Provided | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000153 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/30/2025 | Resolved | FCOM1206 | Credit | The Note is Missing | The Note is Missing. The Note is missing. | ; ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/09/2025 | All closing related documentation received. Note, Mortgage, Final 1003, and borrower ID ; The Note is Present. | 06/09/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX D A |
| 700000155 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; ; Document Uploaded. ; Documentation received, XXX to review.; | 06/09/2025 | Affiliated attestation provided; Exception resolved; Required Affiliated Business Disclosure Documentation Provided | 06/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Cured | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The incomplete CD in the loan file was issued on XX/XX/XXXX and signed at consummation but page XXX is incomplete and does not contain any loan calculation figures | ; Docs received. In XXX review. ; Document Uploaded. ; ; Unable to cure. Possible C grade. Reaching out to XXX to see if we can accept C grade. ; ; ; | 06/13/2025 | Received copy of PCCD with LOE and proof of delivery to the borrower for testing. Exception cured. | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Missing Full LP Feedback | ; ; Document Uploaded. ; Documentation received, XXX to review.; ; ; ; ; ; ; | 06/13/2025 | DU AUS provided, finding resolved. ; AUS is not incomplete; Provided AUS assessment was already present in file. Missing final AUS results with matching terms. | 06/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(XXX CFR §XXX(f) (XXX) (ii)) The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §XXX(f) (XXX) (i) no later than XXX business days before consummation. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore not received by the consumer XXX business days prior to the consummation date, XX/XX/XXXX. The defect can be cured by showing the consumer received the disclosure XXX business days prior to consummation. | ; Documentation received, XXX to review.; Document Uploaded. | 06/10/2025 | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000157 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires aXXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points. The file missing the initial CD | ; Documentation received, XXX to review.; Document Uploaded. | 06/10/2025 | Initial CD receipt date provided; Exception resolved; Initial CD receipt date provided; Exception resolved | 06/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000159 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS. Missing AUS. | ; ; Documentation received, XXX to review.; Document Uploaded. ; Seller to provide AUS XXX as indicated on XXX; | 06/10/2025 | Matching AUS received ; AUS is not missing | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000161 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/02/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS The AUS is missing from the file. | ; Documentation received, XXX to review.; Document Uploaded. ; AUS XXX listed on XXX; | 06/10/2025 | Matching AUS received ; AUS is not missing | 06/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000163 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/03/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS The subject loan was underwritten to XXX AUS Guide V XXX, effective XXX. Per XXX, a DU was used in the Underwriting process as required even though loans are manual. The required AUS is not in file. | ; ; Documentation received, XXX to review.; Document Uploaded. ; Condition updated XXX ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/11/2025 | AUS provided, finding resolved ; AUS is not missing; Provided DU AUS dated XX/XX/XXXX does not match the final terms of the loan. Estimated value of $XXX and LTV/CLTV/HCLTV of XXX%. Please provide the final AUS with matching terms | 06/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000167 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The Final XXX identifies the loan purpose as XXX, but AUS identifies it as XXX. | ; ; | 06/05/2025 | AUS is not incomplete; Client accepts discrepancy between Final XXX loan purpose of XXX and AUS loan purpose of XXX. Condition is resolved. | 06/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 700000169 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/04/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Per the Final 1003, the Borrowers are retaining their previous primary residence as an investment property. The file contains the mortgage Statement which confirms the P&I. However, the XXX shows total Monthly Insurance, Taxes, Association Dues of $XXX. There is no documentation in file to verify these charges. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/10/2025 | All required documentation for XXX receive, finding resolved | 06/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | FCRE1182 | Credit | Approval/Underwriting Summary Not Provided | Missing Approval/Underwriting Summary. There is no XXX in file. | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/12/2025 | Approval/Underwriting Summary is fully present | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | FCRE0386 | Credit | XXX Photo Identification not provided | XXX Photo Identification not provided. There in no documentation in file for the borrower's identification. | ; ; Document Uploaded. ; Documentation received, XXX to review.; | 06/12/2025 | Photo Identification provided. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | FCRE0387 | Credit | XXX Photo Identification not provided | XXX Photo Identification not provided. There in no documentation in file for the borrower's identification. | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/12/2025 | Photo Identification provided. | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000177 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Per Initial 1003 (Final 1003 missing) and signed LOX in file, the Co-Borrower owns a XXX which is kept on leased land and has an annual hazard insurance bill of $XXX. Although included in the DTI, none of this information has been verified. The free and clear ownership of the XXX, the land XXX for the XXX, and the hazard insurance all need to be documented and verified. | ; Document Uploaded. ; Documentation received, XXX to review.; ; | 06/12/2025 |  | 06/12/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 700000179 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/06/2025 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: Reasonable Income or Assets Not Considered Missing documentation supporting the Social Security Income for B1 and B2 | ; Documentation received, XXX to review.; Document Uploaded. ; ; | 06/16/2025 | ATR: Reasonable Income or Assets Was Considered | 06/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 700000183 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (XXX CFR §XXX(e) (XXX) (ii)) The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than XXX business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §XXX(e) (XXX) (i) on or after the date on which the creditor provides the disclosures required under §XXX(f) (XXX) (i). The consumer must receive a revised version of the disclosures required under §XXX(e) (XXX) (i) not later than XXX business days prior to consummation. If the revised version of the disclosures required §XXX(e) (XXX) (i) is not provided to the consumer in person, the consumer is considered to have received such version XXX business days after the creditor delivers or places such version in the mail. The receipt for the LE dated XX/XX/XXXX is not readable and the disclosure tracking for this disclosure is not found in file. The LE cannot be confirmed to have been received at least XXX days prior to consummation. | ; Documentation received, XXX to review.; Document Uploaded. ; | 06/16/2025 | Receipt date provided; exception resolved; Receipt date provided; exception resolved | 06/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000185 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/10/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | Per final XXX, DTI was XXX%. Audited DTI is XXX%. Difference is due to the monthly XXX for B1 in the amount of $XXX not being included. Missing documentation to support exclusion. | ; Docuementation received, XXX to review.; Document Uploaded. ; ; | 06/16/2025 | Received updated Final 1003 and XXX reflected corrected DTI of XXX% XXX included in DTI | 06/16/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 700000193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (XXX CFR §XXX(e) (XXX) (i)) The loan contains charges that exceed the XXX determination according to §XXX(e) (XXX) (i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §XXX(e) is in XXX if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e) (XXX) (i). Refund in the amount of $XXX; cure package requires aXXX. The XXX tolerance violation in the amount of $XXX is due to increase from $XXX to $XXX for the Loan Discount Points. The file missing the initial CD | ; ; Document Uploaded. Documentation received, XXX to review.; Document Uploaded. pccd docs upld; ; | 06/03/2025 | XXX package provided to the borrower; exception downgraded to a XXX; PCCD docs and cure package was not uploaded. Please resend attahcments for review. | 06/03/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 700000193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Waived | FCRE1446 | Credit | Asset XXX Expired | Asset XXX Expired The Borrower's XXX has been used to qualify. The last Statement in file is a quarterly Statement dated XXX. This is over XXX days due to closing date of XXX. | ; ; ; | 06/03/2025 | XXX per client request via email. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: XXX) borrower has XXX years on job XXX) XXX FICO XXX) borrower owned departing XXX years. | 06/03/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 700000193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE1495 | Credit | ATR: Current Employment Not Verified | ATR: Current Employment Not Verified Missing signed XXX, XXX and XXX tax returns used to qualify | ; Documentation received, XXX to review.; Document Uploaded. signed returns upld; ; ; | 06/03/2025 | ATR: Current Employment Was Verified | 06/03/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 700000193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/15/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Personal tax returns were not signed as required per XXX guide | ; Documentation received, XXX to review.; Document Uploaded. signed returns upld; ; ; | 06/03/2025 | Executed XXX received ; Income and Employment Meet Guidelines | 06/03/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 700000193 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/14/2025 | Resolved | FCRE1324 | Credit | XXX Tax Returns Not Signed | XXX Tax Returns Not Signed Missing signed XXX tax returns and XXX tax returns | ; Documentation received, XXX to review.; Document Uploaded. signed returns upld; ; ; ; | 06/03/2025 | Executed XXX received; XXX Tax Returns Are Signed | 06/03/2025 | Borrower has stable job time \| is Greater than the Guideline Minimum C A |
| 700000195 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/23/2025 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue Missing documentation evidence the XXX per Item #XXX of the Title Commitment against the XXX or the signed an affidavit of XXX | ; ; ; Documentation received, XXX to review.; Document Uploaded. ; | 07/02/2025 | Signed affidavit provided to confirm judgements on item #XXX are not transaction borrowers. ; Property Title Issue Resolved | 07/02/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000197 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/24/2025 | Waived | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (XXX CFR XXX(a) (XXX)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (XX/XX/XXXX.XXX(a) (XXX)). The file did not contain evidence that showed a copy of the appraisal was provided to the consumer promptly upon completion or at least XXX-business days prior to consummation date XX/XX/XXXX. | 07/09/2025 | Client acknowledges XXX finding. Exception status changed to XXX per client's email request. | 07/09/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 700000201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Waived | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Borrower's agent is related to borrower. XXX from relatives that are interested parties to the transaction are not allowed, unless it is a XXX. | ; ; ; | 07/14/2025 | XXX per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: XXX) is Greater than the Guideline Minimum (XXX Fico Min XXX) , XXX) Borrower has stable job time, XXX) Qualifying DTI below max allowed (XXX%, Max XXX%).; No additional information provided at this time | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Waived | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements If the borrower(s) is a XXX and has a rental history in the most recent XXX (XXX) months, a VOR must be obtained reflecting XXX in the last XXX (XXX) months. Applies to all borrowers on the loan. VOR in the file shows XXX in the last XXX months. | Housing History Does Not Meet Guideline Requirements If the borrower(s) is a XXX and has a rental history in the most recent XXX (XXX) months, a VOR must be obtained reflecting XXX in the last XXX (XXX) months. Applies to all borrowers on the loan. VOR in the file shows XXX in the last XXX months. | 07/01/2025 | XXX per client request. Client accepts risk for B grade and acknowledges the following XXX (XXX) compensating factors for this purpose: Comp Factors: XXX) is Greater than the Guideline Minimum (XXX Fico Min XXX) , XXX) Borrower has stable job time, XXX) Qualifying DTI below max allowed (XXX%, Max XXX%).; No additional information provided at this time | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/26/2025 | Resolved | FCRE1184 | Credit | AUS Not Provided | Missing AUS | ; Documentation received, XXX to review.; Document Uploaded. ; | 07/11/2025 | AUS is not missing | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 06/27/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | ; Documentation received, XXX to review.; Document Uploaded. ; | 07/08/2025 | Required Affiliated Business Disclosure Documentation Provided | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000201 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/11/2025 | Resolved | FCRE6101 | Credit | Audited AUS Interested Party Contribution Exceeds Guideline Program Maximum | Audited AUS Interested Party Contribution of XXX% exceeds maximum AUS interested party contribution standards of XXX%. |  | 07/11/2025 | Audited Interested XXX is less than or equal to Guideline Program Maximum | 07/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000207 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/07/2025 | Resolved | FCRE1335 | Credit | XXXXXXTranscripts Missing | XXX Transcripts Missing The file does contain the transcripts for the borrower's personal tax returns (XXX) ; however, there are no transcripts in file for the borrower's business returns (XXX-S) for XXX & XXX, and these returns are not signed. | ; Documentation received, XXX to review.; Document Uploaded. signed business returns upld; ; | 07/11/2025 | Signed business returns provided; XXX Provided | 07/11/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 700000211 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/15/2025 | Rescinded | FCRE1324 | Credit | XXX Tax Returns Not Signed | XXX Tax Returns Not Signed XXX Business Tax Returns are not signed and tax transcripts were not provided in XXX | ; ; ; ; | 07/16/2025 | Signed XXX returns contained in the loan file. Finding is rescinded. | 07/16/2025 | B A |
| 700000211 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/14/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The blend document in file is listing the electronic consent as pending | ; ; Document Uploaded. ; | 07/16/2025 | Evidence of eConsent is provided. | 07/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 700000213 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 05/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending XXX data review. Additional conditions may apply. |  |  | XXX review completed, no Level XXX findings noted, condition cleared.; XXX Data Tape Provided. | 05/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |

---

## Exhibit 99.12

**Exhibit 99.12**

**EXHIBIT 99.12 CONSOLIDATED ANALYTICS RATING AGENCY GRADES SUMMARY REPORT**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 700000001 | XXXXX |  | $XXXXXX C A |
| 700000003 | XXXXX |  | $XXXXXX C A |
| 700000005 | XXXXX |  | $XXXXXX C A B |
| 700000007 | XXXXX |  | $XXXXXX C A |
| 700000009 | XXXXX |  | $XXXXXX C A |
| 700000011 | XXXXX |  | $XXXXXX C A |
| 700000013 | XXXXX |  | $XXXXXX D A |
| 700000015 | XXXXX |  | $XXXXXX C A |
| 700000017 | XXXXX |  | $XXXXXX C A |
| 700000019 | XXXXX |  | $XXXXXX C A |
| 700000021 | XXXXX |  | $XXXXXX C A |
| 700000023 | XXXXX |  | $XXXXXX C A |
| 700000025 | XXXXX |  | $XXXXXX C A |
| 700000027 | XXXXX |  | $XXXXXX D A |
| 700000029 | XXXXX |  | $XXXXXX C A |
| 700000031 | XXXXX |  | $XXXXXX C A |
| 700000033 | XXXXX |  | $XXXXXX C A |
| 700000035 | XXXXX |  | $XXXXXX D A |
| 700000037 | XXXXX |  | $XXXXXX C A |
| 700000039 | XXXXX |  | $XXXXXX D C A |
| 700000041 | XXXXX |  | $XXXXXX C A |
| 700000043 | XXXXX |  | $XXXXXX C A |
| 700000045 | XXXXX |  | $XXXXXX D A |
| 700000047 | XXXXX |  | $XXXXXX C A |
| 700000049 | XXXXX |  | $XXXXXX C A |
| 700000051 | XXXXX |  | $XXXXXX C A |
| 700000053 | XXXXX |  | $XXXXXX C A |
| 700000055 | XXXXX |  | $XXXXXX C A |
| 700000057 | XXXXX |  | $XXXXXX D A |
| 700000059 | XXXXX |  | $XXXXXX C A |
| 700000061 | XXXXX |  | $XXXXXX C A |
| 700000063 | XXXXX |  | $XXXXXX C A |
| 700000065 | XXXXX |  | $XXXXXX C A |
| 700000067 | XXXXX |  | $XXXXXX C A |
| 700000069 | XXXXX |  | $XXXXXX C A |
| 700000071 | XXXXX |  | $XXXXXX D A |
| 700000073 | XXXXX |  | $XXXXXX C A |
| 700000075 | XXXXX |  | $XXXXXX C A |
| 700000077 | XXXXX |  | $XXXXXX C A |
| 700000079 | XXXXX |  | $XXXXXX D A |
| 700000081 | XXXXX |  | $XXXXXX C A |
| 700000083 | XXXXX |  | $XXXXXX C A |
| 700000085 | XXXXX |  | $XXXXXX C A |
| 700000087 | XXXXX |  | $XXXXXX C A |
| 700000089 | XXXXX |  | $XXXXXX C A |
| 700000091 | XXXXX |  | $XXXXXX C A |
| 700000093 | XXXXX |  | $XXXXXX C A |
| 700000095 | XXXXX |  | $XXXXXX A |
| 700000097 | XXXXX |  | $XXXXXX C A |
| 700000099 | XXXXX |  | $XXXXXX C A |
| 700000101 | XXXXX |  | $XXXXXX C A |
| 700000103 | XXXXX |  | $XXXXXX D C A |
| 700000105 | XXXXX |  | $XXXXXX D A |
| 700000107 | XXXXX |  | $XXXXXX D A |
| 700000109 | XXXXX |  | $XXXXXX C A |
| 700000111 | XXXXX |  | $XXXXXX C A |
| 700000113 | XXXXX |  | $XXXXXX C A |
| 700000115 | XXXXX |  | $XXXXXX A B |
| 700000117 | XXXXX |  | $XXXXXX A |
| 700000119 | XXXXX |  | $XXXXXX C B A |
| 700000121 | XXXXX |  | $XXXXXX A |
| 700000123 | XXXXX |  | $XXXXXX D A |
| 700000125 | XXXXX |  | $XXXXXX A B |
| 700000127 | XXXXX |  | $XXXXXX A C |
| 700000129 | XXXXX |  | $XXXXXX A |
| 700000131 | XXXXX |  | $XXXXXX D C A |
| 700000133 | XXXXX |  | $XXXXXX A |
| 700000135 | XXXXX |  | $XXXXXX A B |
| 700000137 | XXXXX |  | $XXXXXX D A |
| 700000139 | XXXXX |  | $XXXXXX A C |
| 700000141 | XXXXX |  | $XXXXXX A C |
| 700000143 | XXXXX |  | $XXXXXX D A |
| 700000145 | XXXXX |  | $XXXXXX A |
| 700000147 | XXXXX |  | $XXXXXX C A |
| 700000149 | XXXXX |  | $XXXXXX A |
| 700000151 | XXXXX |  | $XXXXXX D A B |
| 700000153 | XXXXX |  | $XXXXXX D A |
| 700000155 | XXXXX |  | $XXXXXX A B |
| 700000157 | XXXXX |  | $XXXXXX D A B |
| 700000159 | XXXXX |  | $XXXXXX D A |
| 700000161 | XXXXX |  | $XXXXXX D A |
| 700000163 | XXXXX |  | $XXXXXX D A |
| 700000165 | XXXXX |  | $XXXXXX A |
| 700000167 | XXXXX |  | $XXXXXX D A |
| 700000169 | XXXXX |  | $XXXXXX D A |
| 700000171 | XXXXX |  | $XXXXXX A |
| 700000173 | XXXXX |  | $XXXXXX A |
| 700000175 | XXXXX |  | $XXXXXX A |
| 700000177 | XXXXX |  | $XXXXXX D A |
| 700000179 | XXXXX |  | $XXXXXX C A |
| 700000181 | XXXXX |  | $XXXXXX A |
| 700000183 | XXXXX |  | $XXXXXX A C |
| 700000185 | XXXXX |  | $XXXXXX D A |
| 700000187 | XXXXX |  | $XXXXXX A |
| 700000189 | XXXXX |  | $XXXXXX A |
| 700000191 | XXXXX |  | $XXXXXX A |
| 700000193 | XXXXX |  | $XXXXXX C A B |
| 700000195 | XXXXX |  | $XXXXXX C A |
| 700000197 | XXXXX |  | $XXXXXX A B |
| 700000199 | XXXXX |  | $XXXXXX A |
| 700000201 | XXXXX |  | $XXXXXX D B A |
| 700000203 | XXXXX |  | $XXXXXX A |
| 700000205 | XXXXX |  | $XXXXXX A |
| 700000207 | XXXXX |  | $XXXXXX D A |
| 700000209 | XXXXX |  | $XXXXXX A |
| 700000211 | XXXXX |  | $XXXXXX A B |
| 700000213 | XXXXX |  | $XXXXXX C A |

---

## Exhibit 99.13

**Exhibit 99.13**

**EXHIBIT 99.13 CONSOLIDATED ANALYTICS VALUATIONS REPORT**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 700000001 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 700000003 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.2 |  |
| 700000005 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 700000007 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 700000009 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 700000011 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 700000013 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 700000015 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 700000017 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000019 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 700000021 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 700000023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 700000025 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000027 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 700000031 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 700000033 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 700000035 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000037 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 700000039 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 700000041 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000043 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000045 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 700000047 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 700000049 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0263 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0263 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 700000051 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 700000053 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 700000055 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 700000057 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 700000059 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 700000061 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 700000063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000065 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 700000067 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 700000069 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 700000071 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000073 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 700000075 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.9 |  |
| 700000077 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 700000079 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 700000081 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 700000083 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | -.0200 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0200 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 700000085 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000087 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 700000089 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000091 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 700000093 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000095 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000097 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000099 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 700000101 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 700000103 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 700000105 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | -.0234 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0234 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 700000107 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 700000109 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 700000111 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0213 | Desk Review |  |  |  |  | $XXX | $XXX | .0213 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0213 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 700000113 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000115 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .1616 | Desk Review |  |  |  |  | $XXX | $XXX | .1616 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .1616 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 700000117 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000121 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 700000123 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 700000125 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 700000127 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000129 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 700000131 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 700000133 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.6 |  |
| 700000135 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 700000137 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 700000139 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000141 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 700000143 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 700000145 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 700000147 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 700000149 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 700000151 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000153 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 700000155 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 700000157 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 700000159 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 700000161 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 700000163 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 700000165 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 700000167 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 700000169 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 700000171 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 700000173 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 700000175 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 700000177 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 700000179 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 700000181 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000183 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.4 |  |
| 700000185 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 700000187 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 700000189 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000191 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000193 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 700000195 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 700000197 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | -.0580 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0580 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 700000199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0046 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0046 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 700000201 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 700000203 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 700000205 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 700000207 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 700000209 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 700000211 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 700000213 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | XXX | XXX |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |

---

## Exhibit 99.14

**Exhibit 99.14**

**EXHIBIT 99.14** **CONSOLIDATED ANALYTICS DATA COMPARE REPORT**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 700000013 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit calculated DTI of XXX% matches lender calculation. |
| 700000013 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Appraisal report and final XXX show subject property as a XXX. |
| 700000023 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Per appraisal report, subject value is $XXX and the is $XXX. |
| 700000023 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Per appraisal report, subject property is a XXX. |
| 700000035 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | Final 1003 reflects XXX. Tape data value is unknown. |
| 700000035 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Appraised value $XXX per appraisal in file dated XX/XX/XXXX. Tape data value is unknown. |
| 700000035 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Audited LTV of XXX% matches lender LTV. |
| 700000035 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Audited CLTV of XXX% matches lender CLTV. |
| 700000035 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit calculated DTI of XXX% matches lender calculation. Tape value is unknown. |
| 700000061 | XXXXX |  | XXX | Borrower 2 Qualifying Income | XXX | XXX | XXX | Audit income per application. |
| 700000081 | XXXXX |  | XXX | Borrower 1 Self-Employment Flag | XXX | XXX | XXX | Per final application |
| 700000081 | XXXXX |  | XXX | All Other Payments | XXX | XXX | XXX | Per credit report |
| 700000081 | XXXXX |  | XXX | Total Qualified Assets Post-Close | XXX | XXX | XXX | Per asset documents |
| 700000095 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Per Appraisal and Desktop Analysis vs. |
| 700000095 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches both DU and XXX. |
| 700000097 | XXXXX |  | XXX | Cash to Close | XXX | XXX | XXX | Per final closing disclosure |
| 700000097 | XXXXX |  | XXX | Total Qualified Assets Post-Close | XXX | XXX | XXX | Per asset documents |
| 700000109 | XXXXX |  | XXX | All Other Payments | XXX | XXX | XXX | Per credit report |
| 700000109 | XXXXX |  | XXX | Total Qualified Assets Post-Close | XXX | XXX | XXX | Per asset documents |
| 700000109 | XXXXX |  | XXX | Qualifying Total Debt Income Ratio | XXX | XXX | XXX | The lender calculated net REO of $XXX vs. audit amount of $XXX. We defaulted to higher amount. |
| 700000117 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | DTI different from XXX due to prop taxes and different from DU due to XXX pmt. |
| 700000119 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Per Appraisal, is $XXX vs. |
| 700000119 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches XXX and DU. |
| 700000123 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI of XXX% matches lender calculation. |
| 700000123 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Cash-out per FCD is $XXX including debts paid off. |
| 700000127 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | is $XXX. |
| 700000127 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Loan Amount $XXX /value $XXX = XXX% CLTV. |
| 700000127 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Loan Amount $XXX /value $XXX = XXX% LTV. |
| 700000127 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI of XXX% is less than lender DTI of XXX% due to discordancy in non mortgage debt. Lender total of $XXX, vs audit total of $XXX Unable to determine source. |
| 700000127 | XXXXX |  | XXX | Refinance Purpose | XXX | XXX | XXX | Final CD confirms borrower received limited cash at close. |
| 700000129 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI matches XXX and AUS. |
| 700000131 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Tape data figure is not represented anywhere in the loan file. |
| 700000131 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Audited figure is cash out received at close. Tape data figure is loan amount. |
| 700000133 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Audit matches XXX and DU. Tape LTV based on original cost of $XXX. |
| 700000133 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Audit matches XXX and DU. Tape CLTV based on original cost of $XXX. |
| 700000133 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches the XXX & DU. Tape data value is not supported in loan file. |
| 700000135 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | confirmed using appraisal and desktop review. Tape data is sale's price. |
| 700000135 | XXXXX |  | XXX | Qualifying FICO | XXX | XXX | XXX | confirmed using credit report and matches lender's FICO. |
| 700000135 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI of XXX% matches XXX/AUS. |
| 700000137 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Total proceeds minus first mortgage and 2nd payoff $XXX. |
| 700000139 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches XXX and AUS, rounding. |
| 700000141 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI is XXX% due to departing residence PITI of $XXX, lender used PITI of $XXX |
| 700000143 | XXXXX |  | XXX | Escrow Flag | XXX | XXX | XXX | No Escrow per final CD in file. |
| 700000143 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Income $XXX / Liabilities, subject piti $XXX + other debts $XXX= $XXX resulting in DTI of XXX%. |
| 700000145 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Per final XXX, DTI was XXX%. |
| 700000147 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Loan amount $XXX/ value $XXX = XXX% CLTV. |
| 700000147 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Loan amount $XXX/ value $XXX = XXX% LTV. |
| 700000147 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI is XXX% which matches the XXX in file. |
| 700000147 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | Cash out is $XXX totals the debts paid at closing. |
| 700000149 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | Verified via the note. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | Verified via the note. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Borrower 1 First Name | XXX | XXX | XXX | Verified via the note and DL. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | Verified via Final 1003. Tape data is a place holder. |
| 700000149 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | Verified via Final 1003. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXXXX | XXXXX | Verified via the note and DL. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Verified via the appraisal. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Sales Price | XXX | XXX | XXX | Verified via the sales contract. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Verified via loan amount disclosed on the note and disclosed on the sales contract. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Verified via loan amount disclosed on the note and disclosed on the sales contract. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Verified via the appraisal. Tape data is for another loan. |
| 700000149 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches XXX DTI of XXX%. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | ULI per Final 1003 is XXX. Tape data is a place holder. |
| 700000151 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | B1 SSN is XXX-XXX-XXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | XXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per appraisal is $ XXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Borrower 1 First Name | XXX | XXX | XXX | B1 First name is XXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | is XXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXXXX | XXXXX | B1 Last Name is XXXXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Sales Price | XXX | XXX | XXX | is $ XXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Loan Amount $XXX / $XXX = XXX% CLTV. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Loan Amount $XXX / $XXX = XXX% LTV. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI is XXX which matches the XXX. Tape data is for another loan. |
| 700000151 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | The subject is a PUD per appraisal and PUD rider in file. Tape data is for another loan. |
| 700000153 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | Verified via the initial XXX as The Final 1003 is Missing. Tape data is a place holder. |
| 700000153 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | The audited data States XXX, and the tape data States XXX, but the two address are the same. |
| 700000153 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI slightly lower due to subject's HOA dues are less than what lender used for qualification. |
| 700000153 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Verified via the appraisal the subject is a XXX. |
| 700000153 | XXXXX |  | XXX | Escrow Flag | XXX | XXX | XXX | Final CD confirms the loan has escrow. |
| 700000155 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | is XXX per note and mortgage. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | zip code is XXX per note and mortgage. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXXXX | XXXXX | Borrowers Last Name is XXXXX per note and mortgage. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Borrower 1 First Name | XXX | XXX | XXX | Borrowers first name is XXX per note and mortgage. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | is $XXX per appraisal. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | Borrower's SS number is XXX per Final 1003. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | ULI is correct on XXX. Tape data value is a place holder. |
| 700000155 | XXXXX |  | XXX | Sales Price | XXX | XXX | XXX | Sale price is $XXX per contract and final CC. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | is XXX% per AUS. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | CLTV is XXX% per AUS findings. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Subject is a PUD per mortgage and appraisal. Tape data is for a different loan. |
| 700000155 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Original debt to income ratio is XXX% per AUS and audit. Tape data is for a different loan. |
| 700000157 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | ULI entered Per 1003. Tape data is a place holder. |
| 700000157 | XXXXX |  | XXX | Sales Price | XXX | XXX | XXX | Audited matches the Final CD, Purchase Contract and final XXX. |
| 700000157 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Audited LTV matches the lender's calculation. |
| 700000157 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Audited CLTV matches the lender's calculation. |
| 700000159 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | Audit data matches the Note. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | Audit data matches the Note. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | Audit value matches the XXX. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | ULI Per Final 1003. Tape data value is a place holder. |
| 700000159 | XXXXX |  | XXX | Borrower 1 First Name | XXX | XXX | XXX | Audit data matches the Note. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXXXX | XXXXX | Audit data matches the Note. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Audit value matches lender's calculation. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Sales Price | XXX | XXX | XXX | Audit value matches lender's value. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Audit value matches lender's calculation. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Audit value matches lender's calculation. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI of XXX% matches lender DTI. Tape data value is for a different loan. |
| 700000159 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Appraisal confirm the subject is a XXX. |
| 700000161 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | is verified on the note and appraisal. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Property Zip Code | XXX | XXX | XXX | Audited zip code matches lender's data. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | B1 SS verified on the XXX. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Audited matches lender's calculation. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Borrower 1 Last Name | XXX | XXXXX | XXXXX | Last Name is verified on the note. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | ULI | XXX | XXX | XXX | ULI is verified on Final 1003. Tape data is a place holder. |
| 700000161 | XXXXX |  | XXX | Borrower 1 First Name | XXX | XXX | XXX | First name is verified on the note. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Borrower 2 First Name | XXX | XXX | XXX | B2 first name verified on the note. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Borrower 2 Last Name | XXX | XXXXX | XXXXX | Audited Last Name matches lender's data. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Borrower 2 SSN | XXX | XXX | XXX | B2 SS was verified on XXX. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Sales Price | XXX | XXX | XXX | Audited matches lender's data. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | LTV is calculated using the purchase price and loan amount. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Audited CLTV matches lender's calculation. Tape data is for a different loan. |
| 700000161 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI matches lender's calculation. Tape data is for a different loan. |
| 700000163 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit caclualated DTI of XXX% lower than then lender DTI of XXX due to slight difference in non REO revolving debt payments |
| 700000163 | XXXXX |  | XXX | Cash Out Amount | XXX | XXX | XXX | The Final CD confirms the cash-out amount id $XXX. |
| 700000165 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit calculated DTI matches XXX/AUS. |
| 700000167 | XXXXX |  | XXX | Borrower 1 SSN | XXX | XXX | XXX | B1 SSN matches lender documents. |
| 700000171 | XXXXX |  | XXX | Property City | XXX | XXX | XXX | Per Note, subject City is XXX. |
| 700000171 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches XXX and DU. Debts reviewed/income. |
| 700000171 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Per appraisal and legal description and XXX, subject is a XXX. |
| 700000173 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | Apartment versus Unit. The note in the file shows address as Apartment. |
| 700000173 | XXXXX |  | XXX | Borrower 2 SSN | XXX | XXX | XXX | Per Final 1003 and W2s in the file, B2's social is XXX. |
| 700000175 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI includes all debts and REO/income, matches XXX and DU. |
| 700000177 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | DTI verified thru debts/income; however, many necessary docs missing. Findings issued. |
| 700000179 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI is XXX% which is rounded. |
| 700000181 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Per final DU and XXX, DTI was XXX%. |
| 700000181 | XXXXX |  | XXX | Subject Property Type | XXX | XXX | XXX | Per appraisal report, subject property is a XXX. |
| 700000183 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI matches the lender's calculations. |
| 700000185 | XXXXX |  | XXX | Property Address | XXX | XXX | XXX | Audited address spells out "XXX." |
| 700000185 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Per final XXX, DTI was XXX%. Difference is due to the monthly child support for B1 $XXX not being included. There was no documentation in the file to support exclusion. |
| 700000187 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI of XXX% matches lender calculation. |
| 700000189 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI XXX% was rounded up. XXX DTI is XXX%. |
| 700000191 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches XXX DTI of XXX%. |
| 700000193 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI matches XXX and AUS. Lock reflects Tape DTI. |
| 700000195 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI is XXX% which matched the XXX and AS in file. |
| 700000199 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit Debts/Income matches XXX. |
| 700000201 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Per final XXX, DTI was XXX%. Difference is due to the monthly AMEX balance for $XXX being included in the client's monthly liabilities versus deducting from assets. |
| 700000203 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit DTI XXX% matches DU and XX/XX/XXXX.XXX%. |
| 700000205 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | Per appraisal report, subject was $XXX |
| 700000205 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Per final XXX, DTI was XXX% |
| 700000207 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audit of debts/income confirmed and matches XXX and AUS. |
| 700000211 | XXXXX |  | XXX | Property Value | XXX | XXX | XXX | per Appraisal and Desk review, $ XXX. |
| 700000211 | XXXXX |  | XXX | Qualifying LTV | XXX | XXX | XXX | Loan Amount $XXX / value $ XXX = XXX% LTV. |
| 700000211 | XXXXX |  | XXX | Qualifying CLTV | XXX | XXX | XXX | Loan Amount $XXX / value $ XXX = XXX% CLTV. |
| 700000211 | XXXXX |  | XXX | Escrow Flag | XXX | XXX | XXX | No escrows per final CD. |
| 700000211 | XXXXX |  | XXX | Originator DTI | XXX | XXX | XXX | Audited DTI of XXX% matches the AUS in file. |
| 700000213 | XXXXX |  | XXX | Borrower 1 Qualifying Income | XXX | XXX | XXX | Per income documents |
| 700000213 | XXXXX |  | XXX | Borrower 1 Origination FICO | XXX | XXX | XXX | Per credit report |
| 700000213 | XXXXX |  | XXX | All Other Payments | XXX | XXX | XXX | Per credit report |
| 700000213 | XXXXX |  | XXX | Cash to Close | XXX | XXX | XXX | Per final closing dislcosure |
| 700000213 | XXXXX |  | XXX | Interested Party Contributions | XXX | XXX | XXX | Per sales contract |
| 700000213 | XXXXX |  | XXX | Total Qualified Assets for Reserves Post-Close | XXX | XXX | XXX | Per aset documents |
| 700000213 | XXXXX |  | XXX | Total Qualified Assets Post-Close | XXX | XXX | XXX | Per asset documents |
| 700000213 | XXXXX |  | XXX | Qualifying Total Reserves Number of Months | XXX | XXX | XXX | Per asset documents |

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