# EDGAR Filing Document

**Accession Number:** 0000807641
**File Stem:** 0001839882-23-000693
**Filing Date:** 2023-1
**Character Count:** 2288492
**Document Hash:** 806e680975463fcec82578ee63d1ad89
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001839882-23-000693.hdr.sgml**: 20230112

**ACCESSION NUMBER**: 0001839882-23-000693

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

**PUBLIC DOCUMENT COUNT**: 68

**CONFORMED PERIOD OF REPORT**: 20230112

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

**FILED AS OF DATE**: 20230112

**DATE AS OF CHANGE**: 20230112

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Other

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01949
- **FILM NUMBER:** 23525817

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GS MORTGAGE SECURITIES CORP
- **CENTRAL INDEX KEY:** 0000807641
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **IRS NUMBER:** 000000000
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

**MAIL ADDRESS:**
- **STREET 1:** 85 BROAD STREET
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10004

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

**FORM ABS-15G<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> 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): _____________ <br> Commission File Number of securitizer: _____________ <br> Central Index Key Number of securitizer: _____________

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

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

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

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

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

Central Index Key Number of depositor: <u>0000807641</u>

GS Mortgage-Backed Securities Trust 2023-PJ1

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

Central Index Key Number of issuing entity:

Manju Madhavan, (212) 902-5268

Name and telephone number, including area code, of the person to<br> 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: January 12, 2023

GS Mortgage Securities Corp.<br> (Depositor)

By: <u>/s/ Manju Madhavan</u> <br> Name: Manju Madhavan<br> Title: President

**EXHIBIT INDEX**

<u>Exhibit Number</u>

99.1 Disclosures required by Rule 15Ga-2 for Consolidated Analytics, Inc.

[Schedule 1 - Executive Summary](efc23-464_ex991s1.htm)

[Schedule 2 - Exception Detail Report](efc23-464_ex991s2.htm)

[Schedule 3 - Exception Supplemental Report](efc23-464_ex991s3.htm)

[Schedule 4 - Valuation Report](efc23-464_ex991s4.htm)

[Schedule 5 - ASF Report](efc23-464_ex991s5.htm)

[Schedule 6 - Data Compare Report](efc23-464_ex991s6.htm)

[Schedule 7 - Grades Report](efc23-464_ex991s7.htm)

99.2 Disclosures required by Rule 15Ga-2 for AMC Diligence, LLC

[Schedule 1 - Form ABS Due Diligence-15E](efc23-464_ex992s1.htm)

[Schedule 2 - Rating Agency Grades](efc23-464_ex992s2.htm)

[Schedule 3 - Exception Grades](efc23-464_ex992s3.htm)

[Schedule 4 - Valuation Report](efc23-464_ex992s4.htm)

[Schedule 5 - Supplemental Data](efc23-464_ex992s5.htm)

[Schedule 6 - ASF](efc23-464_ex992s6.htm)

[Schedule 7 - Data Compare Summary](efc23-464_ex992s7.htm)

99.3 Disclosures required by Rule 15Ga-2 for Covius Real Estate Services, LLC

[Schedule 1 - Executive Summary](efc23-464_ex993s1.htm)

[Schedule 2 - ASF Report](efc23-464_ex993s2.htm)

[Schedule 3 - ATR QM Data Report](efc23-464_ex993s3.htm)

[Schedule 4 - Tape Compare Report](efc23-464_ex993s4.htm)

[Schedule 5 - Rating Agency Grades Report](efc23-464_ex993s5.htm)

[Schedule 6 - Valuation Report](efc23-464_ex993s6.htm)

[Schedule 7 - Exceptions Report](efc23-464_ex993s7.htm)

[Schedule 8 - Mortgage Properties Data Report](efc23-464_ex993s8.htm)

99.4 Disclosures required by Rule 15Ga-2 for Wipro Opus Risk Solutions, LLC

[Schedule 1 - Executive Narrative](efc23-464_ex994s1.htm)

[Schedule 2 - Agency Grading Report](efc23-464_ex994s2.htm)

[Schedule 3 - ASF Report](efc23-464_ex994s3.htm)

[Schedule 4 - Valuation Report](efc23-464_ex994s4.htm)

[Schedule 5 - ATR Report](efc23-464_ex994s5.htm)

[Schedule 6 - Data Compare](efc23-464_ex994s6.htm)

[Schedule 7 - Exception Report](efc23-464_ex994s7.htm)

99.5 Disclosures required by Rule 15Ga-2 for Infinity IPS, Inc.

[Schedule 1 - Form ABS Due Diligence-15E](efc23-464_ex995s1.htm)

[Schedule 2 - Rating Agency Grades](efc23-464_ex995s2.htm)

[Schedule 3 – Loan Level Report](efc23-464_ex995s3.htm)

[Schedule 4 - Valuation Report](efc23-464_ex995s4.htm)

[Schedule 5 – Individual Exception Report](efc23-464_ex995s5.htm)

[Schedule 6 - ASF](efc23-464_ex995s6.htm)

[Schedule 7 - Data Compare Report](efc23-464_ex995s7.htm)

99.6 Disclosures required by Rule 15Ga-2 for Clayton Services LLC

[Schedule 1 - Due Diligence Narrative Report](efc23-464_ex996s1.htm)

[Schedule 2 - ASF Report](efc23-464_ex996s2.htm)

[Schedule 3 - Conditions Report](efc23-464_ex996s3.htm)

[Schedule 4 - Loan Level Tape Compare](efc23-464_ex996s4.htm)

[Schedule 5 - Rating Agency ATR QM Report](efc23-464_ex996s5.htm)

[Schedule 6 - Valuations Summary](efc23-464_ex996s6.htm)

[Schedule 7 - Waived Conditions](efc23-464_ex996s7.htm)

[Schedule 8 - Non ATR QM Report](efc23-464_ex996s8.htm)

[Schedule 9 - Standard Upload](efc23-464_ex996s9.htm)

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 1**

![](ex991s1001.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 behalf of its client, Goldman Sachs Mortgage Company. The review included a total of 24 newly originated residential mortgage loans, in connection with the securitization identified as GSMBS 2023-PJ1 (the "Securitization"). The Review was conducted from August 2021 to May 2022 on mortgage loans originated between May 2021 and May 2022.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

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

● Validate subject loan monthly payment (PITI) and associated obligations

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

● Validate monthly recurring liabilities

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

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (24 loans in total):

Two (2) loans had a Secondary Appraisal, three (3) loans had a AVM, and seventeen (17) loans had Desktop Reviews. Consolidated Analytics has independent access to the Desktop Reviews ordered by the Aggregator.

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

Zero (0) loans had a Field Review or BPO, zero (0) loan had a Full Appraisal Review, and zero (0) loans had an Exterior Only Appraisal Review all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 24 mortgage loans reviewed, one (1) unique mortgage loan (4.17% by loan count) had a total of two (2) different tape discrepancies across two data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Closing Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of <br> Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;24 | &nbsp;&nbsp;$24167175.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | &nbsp;&nbsp;$24167175.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |  |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |  |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |  |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |  |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |  |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |  |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |  |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;24 | &nbsp;&nbsp;100.00% |

---

**Exception Category Summary**

The table below summarizes the individual exceptions which carried an associated "A", "B", "C", or "D" level exception grade. One loan may have carried more than one exception. In such cases, the exception with the lowest grade would drive the loan grade for that particular area of the review. The overall loan grade is the lowest grade for any one particular review scope (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;No Credit Findings | &nbsp;&nbsp;15 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Loan Application is Missing | &nbsp;&nbsp;1 |

---

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Transmittal Summary is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;FICO is less than the AUS Minimum Required | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Hazard Insurance Effective Date is after the Note Date | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Initial Credit Application is Not Executed | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***22*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;19 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Escrow Waiver Disclosure is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TILA Finance Charge Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Security Instrument Indicator is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***26*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;UCDP Summary Report is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal guideline violation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***5*** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

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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 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 2**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **GS Loan Number** | **Seller ID Number** | **Finding ID** | **Deal Num** | **Investor Loan Number** | **Deal Specific Name** | **Exception ID** | **Last Name** | **Loan Purpose** | **Occupancy** | **Note Date** | **State** | **Original Loan Amount** | **Loan Status** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception Status** | **Exception Status Change Date** | **Exception Grade** | **Exception** | **Exception Information** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Compensating Factors** | **Statute of Limitation Date** | **Assigned To** | **Status Comment** |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | Escrow Waiver Disclosure is Missing | Cleared | XX/XX/XXXX | 1 | Escrow Waiver Disclosure is Missing | The escrow waiver disclosure is Missing | Exception resolved; The escrow waiver disclosure is Present | XX/XX/XXXX |  |  | Complete | The escrow waiver disclosure is Present |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | Initial Loan Application is Missing | Cleared | XX/XX/XXXX | 1 | Initial Loan Application is Missing | Missing Copy of Initial Loan Application | Exception resolved; Received copy of initial loan application | XX/XX/XXXX |  |  | Complete | Received copy of initial loan application |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete | The loan meets all applicable credit guidelines. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Property | UCDP Summary Report is Missing | Cleared | XX/XX/XXXX | 1 | UCDP Summary Report is Missing | The SSR indicator is Missing | The SSR indicator is Present; 09/04/2021: Received in trailing docs. Exception cleared. | XX/XX/XXXX |  |  | Complete | The SSR indicator is Present |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. | The exception 'No Compliance Findings' is cleared.; The loan is in compliance with all applicable laws and regulations. |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Property | UCDP Summary Report is Missing | Cleared | XX/XX/XXXX | 1 | UCDP Summary Report is Missing | The SSR indicator is Missing | 08/25/2021: Received in trailing docs. Exception cleared.;<br> 08/21/2021: Received in trailing docs. Exception cleared.; The SSR indicator is Present; 08/21/2021: Received in trailing docs. Exception cleared. | XX/XX/XXXX |  |  | Complete | The SSR indicator is Present |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | TILA Finance Charge Test | Cleared | XX/XX/XXXX | 1 | TILA Finance Charge Test | This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is not considered accurate because it is understated by more than $100. | This loan passed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $100; or It is greater than the amount required to be disclosed. | XX/XX/XXXX |  |  | Complete | This loan passed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is $XXX. The disclosed finance charge of $XXX is considered accurate because: It is understated by no more than $100; or It is greater than the amount required to be disclosed. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | Charges That Cannot Increase Test | Cleared | XX/XX/XXXX | 1 | Charges That Cannot Increase Test | Points increased outside of tolerance on CD XX/XX/XXXX. Per the Disclosure log, a COC and LE was issued XX/XX/XXXX and are not present in the file. Please provided the XX/XX/XXXX Change of circumstance, signed LE XX/XX/XXXX, or proof of reimbursement to borrower. ; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $1,356.25.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.25.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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; 08/21/2021: Points increased outside of tolerance on CD XX/XX/XXXX. Per the Disclosure log, a COC and LE was issued XX/XX/XXXX and are not present in the file. Please provided the XX/XX/XXXX Change of circumstance, signed LE XX/XX/XXXX, or proof of reimbursement to borrower. | XX/XX/XXXX |  |  | Complete | This loan passed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that do not exceed the good faith determination according to §1026.19(e)(3)(i).Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures. An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | Hazard Insurance Effective Date is after the Note Date | Cleared | XX/XX/XXXX | 1 | Hazard Insurance Effective Date is after the Note Date | The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX | 09/07/2021: The disbursement date is XX/XX/XXXX. Exception cleared.; 09/07/2021: The disbursement date is XX/XX/XXXX. Exception cleared.;<br> 08/25/2021: The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX.;<br> 08/21/2021: The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX.; 08/25/2021: The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX.;<br> 08/21/2021: The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX.; 08/21/2021: The hazard insurance effective date of XX/XX/XXXX is after the note date of XX/XX/XXXX. | XX/XX/XXXX |  |  | Complete | 09/07/2021: The disbursement date is XX/XX/XXXX. Exception cleared. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Property | UCDP Summary Report is Missing | Cleared | XX/XX/XXXX | 1 | UCDP Summary Report is Missing | The SSR indicator is Missing; Need UCDP FNMA and Freddie Mac. | The SSR indicator is Present; 08/21/2021: Received in trailing docs. Exception cleared. | XX/XX/XXXX |  |  | Complete | The SSR indicator is Present |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete | The loan meets all applicable credit guidelines. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete | The loan is in compliance with all applicable laws and regulations. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Void | XX/XX/XXXX | 1 | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Not applicable, exception Void. | XX/XX/XXXX |  |  | Complete | Not applicable, exception Void. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete | The loan is in compliance with all applicable laws and regulations. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  | XX/XX/XXXX |  |  | Complete | The loan meets all applicable credit guidelines. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | Cleared | XX/XX/XXXX | 1 | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | Please provide underwriter approval for having less than the required reserves. Per program guidelines, reserves are to be equal to DU or 3mo PITIA. Final PITIA is @$XXX x 3 mo=$XXX. ; The liquid reserves of XXX are less than the minimum required per AUS of 21514.35. | 10/21/2021: Received trailing docs; AUS with approved reserves; Exception cleared. ; 10/21/2021: Received trailing docs: AUS approved with 2 reserves remaining. Updated guideline according the AUS approval. The liquid reserves of XX/XX/XXXX are greater than or equal to the AUS minimum required of 14342.90. | XX/XX/XXXX |  |  | Complete | 10/21/2021: Received trailing docs: AUS approved with 2 reserves remaining. Updated guideline according the AUS approval. The liquid reserves of XXX are greater than or equal to the AUS minimum required of 14342.90. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Property | UCDP Summary Report is Missing | Cleared | XX/XX/XXXX | 1 | UCDP Summary Report is Missing | UCDP Summary Report is Missing | The SSR indicator is Not Applicable | XX/XX/XXXX |  |  | Complete | The SSR indicator is Not Applicable |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | Borrower residency documentation not provided or issue with documentation | Cleared | XX/XX/XXXX | 1 | Borrower residency documentation not provided or issue with documentation | Borrower residency documentation not provided. | 11/12/2021: Received trailing docs; Borrower residency documentation ; Exception cleared. ; Borrower residency documentation has been provided and there are no issues with documentation. | XX/XX/XXXX |  |  | Complete | Borrower residency documentation has been provided and there are no issues with documentation. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. | The exception 'No Compliance Findings' is cleared. | XX/XX/XXXX |  |  | Complete | The loan is in compliance with all applicable laws and regulations. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) | Cleared | XX/XX/XXXX | 1 | Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) | Subject loan's points and fees exceed the qualified mortgage points and fees threshold. | Portion of discount points excluded from APR per High Cost Loan Analysis. | XX/XX/XXXX |  |  | Complete | Portion of discount points excluded from APR per High Cost Loan Analysis. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete | The loan meets all applicable credit guidelines. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete | The loan is in compliance with all applicable laws and regulations. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete | The loan meets all applicable credit guidelines. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete | The loan is in compliance with all applicable laws and regulations. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete | The loan meets all applicable credit guidelines. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | FICO is less than the AUS Minimum Required | Cleared | XX/XX/XXXX | 1 | FICO is less than the AUS Minimum Required | FICO Scores used on AUS are different from the scores on CR Report provided. Pg 185; The FICO of XXX is less than the minimum required per AUS of 789 | Client provided updated AUS with corrected FICO. The FICO of XXX is not less than the minimum required per AUS of 786 | XX/XX/XXXX |  |  | Complete | Client provided updated AUS with corrected FICO. The FICO of XXX is not less than the minimum required per AUS of 786 |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Cash Out: Other Multi purpose Unknown purpose | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | Transmittal Summary is Missing | Cleared | XX/XX/XXXX | 1 | Transmittal Summary is Missing | Please provide Transmittal 1008; The transmittal summary is Missing | The transmittal summary is Present | XX/XX/XXXX |  |  | Complete | The transmittal summary is Present |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Cash Out: Other Multi purpose Unknown purpose | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | Initial Credit Application is Not Executed | Cleared | XX/XX/XXXX | 1 | Initial Credit Application is Not Executed | Initial loan application 1003 is missing LO signature. Please provide copy of executed initial 1003; The initial credit application is Not Executed | The initial credit application and 1003 provided | XX/XX/XXXX |  |  | Complete | The initial credit application is Present |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Second Home | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | Security Instrument Indicator is Missing | Cleared | XX/XX/XXXX | 1 | Security Instrument Indicator is Missing | Please provide the executed security instrument , Mortgage/Deed | The security instrument indicator is Present; Received Mortgage Deed signed/executed from the client in trailing docs; exception cleared. | XX/XX/XXXX |  |  | Complete | The security instrument indicator is Present |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Property | Appraisal guideline violation | Cleared | XX/XX/XXXX | 1 | Appraisal guideline violation | &nbsp;&nbsp;&nbsp;&nbsp;Initial appraisal for XXX. Please provide an appraisal transfer letter. Loan amount requires two full appraisals.; Appraisal guideline violation: Initial appraisal for XXX. Need appraisal transfer letter. Loan amount requires two full appraisals. | Appraisal guideline violation is now acceptable. Appraisal guideline violation is now acceptable. Client provided transfer letter for appraisal performed for XXX. ; Change severity of 'Appraisal guideline violation' from Material to Non-Material. | XX/XX/XXXX |  |  | Complete | Appraisal guideline violation is now acceptable. Appraisal guideline violation is now acceptable. Client provided transfer letter for appraisal performed for XXX. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | Initial Closing Disclosure Delivery Date Test | Cleared | XX/XX/XXXX | 1 | Initial Closing Disclosure Delivery Date Test | Please provide Initial Closing Disclosure; This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or "In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation.; Missing initial CD dated 3 days prior to consummation XX/XX/XXXX. | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except 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 not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | XX/XX/XXXX |  |  | Complete | This loan passed the initial closing disclosure delivery date test.(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is not less than six business days (counting all calendar days except 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 not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or The initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is not less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. The creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Rate Term Refinance | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Rate Term Refinance | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete |  |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Credit | No Credit Findings | Cleared | XX/XX/XXXX | 1 | No Credit Findings | The loan meets all applicable credit guidelines. |  |  |  |  | Complete | The loan meets all applicable credit guidelines. |
| XXXX | XXXX | XXXX | XXXX |  | XXX | XXXX | XXXXX | Other than first time Home Purchase | Owner occupied | XX/XX/XXXX | XXX | XXXXXX | Closed | XX/XX/XXXX | Compliance | No Compliance Findings | Cleared | XX/XX/XXXX | 1 | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  |  |  | Complete | The loan is in compliance with all applicable laws and regulations. |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **GS_LOAN_NUMBER** | **Investor Loan Number** | **EXCEPTIONID** | **EXCEPTIONIDDATE** | **CONDITIONCATEGORY** | **CONDITIONSTANDARDIZEDDESCRIPTION** | **EXCEPTIONCHOSEN** | **EDITEDEXCEPTION** | **COMPENSATINGFACTORS** | **FOLLOW-UPCOMMENTS** | **EXCEPTION STATUS** | **CLEAREDDATE** | **OVERRIDEDATE** | **EXCEPTIONLEVELGRADE** | **COMPLETEDATE** | **OUTSIDEQCDATE** | **NOTEDATE** | **PROPERTYSTATE** | **OCCUPANCY** | **PURPOSE** |
| XXXX | XXXX | XXXX | XXXX | Compliance | Escrow Waiver Disclosure is Missing | Escrow Waiver Disclosure is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | Initial Loan Application is Missing | Initial Loan Application is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Property | UCDP Summary Report is Missing | UCDP Summary Report is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Property | UCDP Summary Report is Missing | UCDP Summary Report is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | TILA Finance Charge Test | TILA Finance Charge Test |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | Charges That Cannot Increase Test | Charges That Cannot Increase Test |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance Effective Date is after the Note Date | Hazard Insurance Effective Date is after the Note Date |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Property | UCDP Summary Report is Missing | UCDP Summary Report is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Compliance | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test |  |  |  | Void | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required | Liquid Reserves (Dollar Amount) are less than AUS Minimum Required |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Property | UCDP Summary Report is Missing | UCDP Summary Report is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | Borrower residency documentation not provided or issue with documentation | Borrower residency documentation not provided or issue with documentation |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) | Qualified Mortgage Points and Fees Finding (12 CFR Â§1026.43(e)(3)) |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | FICO is less than the AUS Minimum Required | FICO is less than the AUS Minimum Required |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | Transmittal Summary is Missing | Transmittal Summary is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Cash Out: Other Multi purpose Unknown purpose |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Cash Out: Other Multi purpose Unknown purpose |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | First Time Home Purchase as defined by American Recovery and Reinvestment Act of 2009 (Purchaser has not owned a principal residence in the past three years) |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Credit | Initial Credit Application is Not Executed | Initial Credit Application is Not Executed |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Second Home | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | Security Instrument Indicator is Missing | Security Instrument Indicator is Missing |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Property | Appraisal guideline violation | Appraisal guideline violation |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | Initial Closing Disclosure Delivery Date Test | Initial Closing Disclosure Delivery Date Test |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Rate Term Refinance |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Rate Term Refinance |
| XXXX | XXXX | XXXX | XXXX | Credit | No Credit Findings | No Credit Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |
| XXXX | XXXX | XXXX | XXXX | Compliance | No Compliance Findings | No Compliance Findings |  |  |  | Cleared | XXXX |  | 1 | XXXX |  | XX/XX/XXXX | XXX | Owner occupied | Other than first time Home Purchase |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Full Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Exterior Only Appraisal Review** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Broker Price Opinion** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** | **AUS Information** |
| **GS Loan Number** | **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **CUSCORE** | **ISELIGIBLEFORREPANDWARRANTRELIEF** |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | N/A |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | N/A |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.8 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | Form 1073 |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | Form 1025 | XX/XX/XXXX | XXX | Form 1025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | Eligible |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | URAR Form 1004 Form 70 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |  |
| XXXX | XXXX |  | XXXX | XXXXXX | XXX | XXX | XX% | XX/XX/XXXX | XXX | Form 1073 |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XXXX | XX% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Not Eligible |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 |
| **GS_LOAN_NUMBER** | **Loan Number** | **Primary Servicer** | **Servicing Fee-Percentage** | **Servicing Fee-Flat Dollar** | **Servicing Advance Methodology** | **Originator** | **Loan Group** | **Amortization Type** | **Lien Position** | **HELOC Indicator** | **Loan Purpose** | **Cash Out Amount** | **Total Origination and Discount Point in Dollars** | **Covered/High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amount(s)** | **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** | **Current Payment Status** | **Index Type** | **ARM Look Back Days** | **Gross Margin** | **ARM Round Flag** | **ARM Round 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 Cap 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 Type** | **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** | **Vantage Score: Primary Borrower** | **Vantage Score Co-Borrower** | **Most Recent Vantage Score Method** | **Vantage Score 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** | **4506-T Indicator** | **Borrower Income Verification Level** | **Co-borrower Income Verification** | **Borrower Employment Verification** | **Co-borrower Employment Verification** | **Borrower Asset Verification** | **Co-borrower Asset Verification** | **Liquid/Cash Assets** | **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 %** | **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 I/O 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 Manufacturer's Invoice Price** | **LTI (Loan-to-Invoice) Gross** | **Net Manufacturer's Invoice Price** | **LTI (Net)** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community/Related Party Lender (Y/N)** | **Defined Underwriting Criteria (Y/N)** | **Chattel Indicator** | **Primary Borrower Representative FICO** | **Secondary Borrower Representative FICO** | **Qualifying Loan FICO** | **Originator DTI-Back End** | **Originator DTI-Front End** | **Property Address** | **Maturity Date** | **Borrower First Name** | **Borrower Last Name** | **Co Borrower First Name** | **Co Borrower Last Name** | **Flood Certificate Number** | **FEMA Flood Zone** | **Appraisal Type** | **Appraisal Date** | **TILA Status** | **Application Date** | **Points and Fees** | **Rate Lock Date** | **Loan APR** | **B1 Employment Indicator** | **B2 Employment Indicator** | **Borrower Citizenship** | **CoBorrower Citizenship** | **Residual Income** | **Borrower Years in Field** | **Co-Borrower Years in Field** | **PITIA On Financed Properties** | **PITIA On Subject Property** | **Non Occupant** | **Months Reserves** | **Borrower is FTHB** | **Co Borrower is FTHB** | **Ownership Type** | **Deed In Lieu Flag** | **Short Sale in Last 4 Years** | **Loan Mod** | **Collections > 5K** | **4506-T** | **FTHB Previous Rent** | **FTHB Min 3 Years Employment History** | **CU Score** | **R&W Eligible** |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 1295.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 125 | 29000 | 4 | 0.49 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 2 | XXXX | XXXX | 3 | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | QM: GSE Temporary - QM/SH | XXXX | 1295 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 1.4 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 1295.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 3 | 2 | 0 | XXXX |  | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 294 | 7000 | 8 | 0.60 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 3 | 2 | XXXX | XXXX | 3 | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone AE | 3 | XXXX | QM: GSE Temporary - QM/SH | XXXX | 1295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 1 | N/A |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 6566.56 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 201 | 35268 | 4 | 0.61 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 6566.56 | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 1.1 | Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 2540.75 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 166 | 20000 | 4 | 0.06 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 2540.75 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 1 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 8971.25 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 370 | 16500 | 3 | 0.05 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 8971.25 | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 1.9 | Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 6 |  | 1695.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 269 | 35000 | 2 | 0.00 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 1695 | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | XXXX | No | XXXX | Yes |  | Fee Simple | No | No | No |  | 1 | XXXX | Yes | 1 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 1795.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 183 | 34500 | 21 | 0.29 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 1795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 1 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 1995.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 171 | 43330 | 9 | 0.35 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 1995 | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 2.6 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 45915.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 148 | 24100 | 3 | 0.04 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 45915 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  |  | 2 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 12241.88 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 3 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 239 | 56300 | 5 | 0.19 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 2 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 12241.88 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 3.9 | N/A |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 1695.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 134 | 419546 | 3 | 0.18 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 1695 | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 1.1 | Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 8895.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 228 | 20400 | 3 | 0.20 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 8895 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 4.8 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 21090.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 249 | 64838 | 13 | 0.34 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 7 | XXXX | Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 21090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 2.1 | Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 3 | XXXX | 11982.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 188 | 50000 | 9 | 0.66 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 7 | 1 |  | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 11982.5 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 2.9 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 13785.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 197 | 37100 | 4 | 0.35 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 13785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 3.5 | Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 6 |  | 6045.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 260 | 29000 | 8 | 0.20 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 7 | XXXX | Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 6045 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  |  | XXXX | No | XXXX | Yes |  | Fee Simple | No | No | No |  | 1 | XXXX | Yes | 1.6 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 6 |  | 5686.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 280 | 24500 | 5 | 0.04 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 7 | XXXX | Other | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 5686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX | No | XXXX | Yes | Yes | Fee Simple | No | No | No |  | 1 | XXXX | Yes | 1 | Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 6 |  | 5529.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 185 | 27345 | 3 | 0.14 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 5529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | No | XXXX | Yes | No | Fee Simple | No | No | No |  | 1 | XXXX | Yes | 2.7 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 23886.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 357 | 72356 | 5 | 0.52 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 3 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone AE | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 23886 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No |  |  |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 1695.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 161 | 28000 | 6 | 0.11 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 2 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 1695 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 2.1 | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 48915.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 3 | 3 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 20 | 2800 | 8 | 0.23 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 15 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 3 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 48915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  |  |  | Not Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 9 |  | 4515.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 2 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 290 | 45000 | 9 | 0.83 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 1 | 1 |  | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 4515 | XXXX | XXXX | XXXX |  | XXXX |  |  | XXXX |  | XXXX | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  | No | 2.6 | Eligible |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 9860.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 74 | 63607 | 4 | 0.03 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 9860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | No | No | Fee Simple | No | No | No |  | 1 |  | No | 1.1 |  |
| XXXX | XXXX |  |  |  |  | XXXX | UNK | 1 | 1 | 0 | 7 |  | 2190.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | XXXX | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 48 | 21800 | 3 | 0.16 |  |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 3 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | Zone X | 3 | XXXX | Safe Harbor QM (APOR) | XXXX | 2190 | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  | XXXX | No | XXXX | No |  | Fee Simple | No | No | No |  | 1 |  |  | 1 | Not Eligible |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 6**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **GS Loan Number** | **Seller Loan ID** | **Field ID** | **Original Field Value** | **Audit Value** | **Data Compare** |
| XXXX | XXXX | Closing_Date | XX/XX/XXXX | XX/XX/XXXX | FALSE |
| XXXX | XXXX | Property_Type | Condo | Low Rise (4 or fewer stories) | FALSE |

---

## Exhibit 99.1

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.1 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Gs Loan Number** | **Loan Number** | **Investor loan Number** | **Client Loan Number** | **DBRS Initial Credit Grade** | **S&P Initial Credit Grade** | **Fitch Initial Credit Grade** | **Moodys Initial Credit Grade** | **KBRA Initial Credit Grade** | **DBRS Initial Compliance Grade** | **S&P Initial Compliance Grade** | **Fitch Initial Compliance Grade** | **Moodys Initial Compliance Grade** | **KBRA Initial Compliance Grade** | **DBRS Initial Valuation Grade** | **S&P Initial Valuation Grade** | **Fitch Initial Valuation Grade** | **Moodys Initial Valuation Grade** | **KBRA Initial Valuation Grade** | **DBRS Initial Overall Grade** | **S&P Initial Overall Grade** | **Fitch Initial Overall Grade** | **Moodys Initial Overall Grade** | **KBRA Initial Overall Grade** | **DBRS Final Credit Grade** | **S&P Final Credit Grade** | **Fitch Final Credit Grade** | **Moodys Final Credit Grade** | **KBRA Final Credit Grade** | **DBRS Final Compliance Grade** | **S&P Final Compliance Grade** | **Fitch Final Compliance Grade** | **Moodys Final Compliance Grade** | **KBRA Final Compliance Grade** | **DBRS Final Valuation Grade** | **S&P Final Valuation Grade** | **Fitch Final Valuation Grade** | **Moodys Final Valuation Grade** | **KBRA Final Valuation Grade** | **DBRS Final Overall Grade** | **S&P Final Overall Grade** | **Fitch Final Overall Grade** | **Moodys Final Overall Grade** | **KBRA Final Overall Grade** |
| XXXX | XXXX |  | XXXX | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | C | C | C | C | C | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | C | C | C | C | C | C | C | C | C | C | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | C | C | C | C | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | D | D | D | D | D | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX |  | XXXX | A | A | A | A | A | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 1**

![](ex992s1001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

Business Name (If Different):  

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

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

Legal Name: <u>Goldman Sachs Mortgage Company</u>

Business Name (If Different):  

Principal Business Address: <u>200 West Street, New York, NY 10282</u>

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Ratings Criteria, April 18, 2022 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating U.S. Prime RMBS, March 9, 2021 |

---

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

See attached.

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

See attached.

1 \| P a g e

![](ex992s1001.jpg)

**CERTIFICATION**

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

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

---

| | |
|:---|:---|
| By: | Jayson Colotti |
| Signature: | ![](ex992s1002.jpg) |
| Date: | 01/11/2023 |

---

2 \| P a g e

![](ex992s1001.jpg)

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

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

AMC Diligence, LLC ("AMC") performed certain due diligence services described below on conforming and non-conforming residential mortgages acquired from various parties. The review was conducted on behalf of Goldman Sachs Mortgage Company ("Client") during multiple transactions from April 2020 to July 2022 via files imaged and provided by Goldman Sachs Mortgage Company (the "Review").

The loans in the Review carried origination dates between March 2020 and July 2022.

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

The Review was conducted on three hundred eight (308) mortgage loans with an aggregate original principal balance of approximately $364.635 million. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the portion of the securitization population reviewed by AMC.

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

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

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;City | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Product Description | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |  |

---

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

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

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

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

**Credit Report:** AMC's review included confirming that a credit report, that met guideline requirements, was present for each borrower and that such borrower's credit profile adhered to guidelines. In order to make this determination, AMC:

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(i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date required for the ASF tape submission including (a) the most recent FICO (scores from Equifax, Experian, and Transunion if available), (b) the most recent FICO date, (c) the longest trade line, (d) the maximum trade line, (e) the number of trade lines, and (f) the credit usage ratio.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's

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day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

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

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

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;

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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.

&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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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;

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&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.)

&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>*

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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, |

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

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

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For the loans determined to be Safe Harbor QM (APOR), in the event the lender provided a Verification Safe Harbor, ("VSH") indicator of "Yes" on the loans, that would be reflected as such in the reports. In the event the lender provided a VSH indicator of "No" on the loans that would be reflected in the reports. In the event the lender did not provide a VSH indicator on the loans, the loans would be identified as "Not Stated" in the reports.

\* Note, for loans in which the lender provided the VSH indicator, AMC captured it, but did not verify the VSH indicator.

Notwithstanding the above, for loans with the variance evaluation of VSH performed by AMC on QM (APOR) loans, the Lender provided a VSH Indicator of "Yes". The VSH indicator was provided within the loan images, on the data tape, deal notes, or as part of the loan program/guidelines being originated to. The loan guidelines utilized one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender identified the loan to have VSH status, then AMC reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances were identified, then the 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. The results of the variance analysis is 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.

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*<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.

**(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**

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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;

&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

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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.

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of Fitch Ratings, Inc. ("Fitch") and Moody's Investors Service, Inc. ("Moody's").

**OVERALL REVIEW RESULTS SUMMARY**

There were three hundred eight (308) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria two hundred twenty-three (223) (72.40%) had an Overall grade of "A", eighty-five (85) (27.60%) had an Overall grade of "B", and no loans had exceptions that generated an Overall grade of "C".

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade (Fitch, Moody's)** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Percentage of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;223 | &nbsp;&nbsp;72.40% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;85 | &nbsp;&nbsp;27.60% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**CREDIT REVIEW RESULTS SUMMARY**

Two hundred seventy-seven (277) (89.94%) mortgage loans of the total received an "A" Credit Review grade. The thirty-one (31) (10.06%) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade (Fitch, Moody's)** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Percentage of Loans** |

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|:---|:---|:---|
| &nbsp;&nbsp;A | &nbsp;&nbsp;277 | &nbsp;&nbsp;89.94% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;31 | &nbsp;&nbsp;10.06% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**COMPLIANCE RESULTS SUMMARY**

Two hundred fifty-one (251) (81.49%) had a Compliance Review grade of "A", fifty-seven (57) (18.51%) had a Compliance Review grade of "B". Loans with a Compliance Review grade of "B" may have multiple compliance exceptions (see exception detail below); however, none are lower than a grade of "B".

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade (Fitch, Moody's)** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Percentage of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;251 | &nbsp;&nbsp;81.49% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;57 | &nbsp;&nbsp;18.51% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Under the applicable NRSRO grading criteria three hundred seven (307) (99.68%) loans had a Property/Valuation grade of "A". One (1) (0.32%) of the loans generated a Property/Valuation grade of "B" due to the Appraisal was not in the name of the lender; however, none are lower than a grade of "B."

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|:---|:---|:---|
| &nbsp;&nbsp; **NRSRO Grade (Fitch, Moody's)** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**Percentage of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;307 | &nbsp;&nbsp;99.68% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.32% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

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**REVIEW EXCEPTION SUMMARY (308 Mortgage Loans)**

The summaries below detail the exceptions from the Compliance, Credit and Property Reviews that would have resulted in a "B", "C", or "D" grade for a given mortgage loan under the Fitch and Moody's grading criteria. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;49 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***72*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**72** |
| &nbsp;&nbsp;Credit &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;21 |

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| | | | |
|:---|:---|:---|:---|
|  |  | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;Credit | &nbsp;&nbsp;3 |
|  |  | &nbsp;&nbsp;Insurance | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***32*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**32** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**105** |

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**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the three hundred eight (308) mortgage loans reviewed, no mortgage loans had any tape discrepancies across any data field.

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;18 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;297 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;300 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;305 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;297 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;306 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;0 | &nbsp;&nbsp;297 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Mortgage Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;306 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;303 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;297 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;148 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;0 | &nbsp;&nbsp;297 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;308 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;0 | &nbsp;&nbsp;301 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;0 | &nbsp;&nbsp;306 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;308 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**6471** | &nbsp;&nbsp;**0.00%** | &nbsp;&nbsp;**308** |

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**ADDITIONAL LOAN POPULATION SUMMARY\***

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;308 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$364634841.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364634841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;308 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$364634841.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364634841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$1665000.00 | &nbsp;&nbsp;0.46% |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$3331600.00 | &nbsp;&nbsp;0.91% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;32 | &nbsp;&nbsp;10.39% | &nbsp;&nbsp;$37456330.00 | &nbsp;&nbsp;10.27% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;50 | &nbsp;&nbsp;16.23% | &nbsp;&nbsp;$61792279.00 | &nbsp;&nbsp;16.95% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;181 | &nbsp;&nbsp;58.77% | &nbsp;&nbsp;$212185665.00 | &nbsp;&nbsp;58.19% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;41 | &nbsp;&nbsp;13.31% | &nbsp;&nbsp;$48203967.00 | &nbsp;&nbsp;13.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364634841.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;$811440.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;307 | &nbsp;&nbsp;99.68% | &nbsp;&nbsp;$363823401.00 | &nbsp;&nbsp;99.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364634841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |

---

16 \| P a g e

![](ex992s1001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;166 | &nbsp;&nbsp;53.90% | &nbsp;&nbsp;$200256969.00 | &nbsp;&nbsp;54.92% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;10 | &nbsp;&nbsp;3.25% | &nbsp;&nbsp;$9878841.00 | &nbsp;&nbsp;2.71% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.97% | &nbsp;&nbsp;$2952500.00 | &nbsp;&nbsp;0.81% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;117 | &nbsp;&nbsp;37.99% | &nbsp;&nbsp;$130582534.00 | &nbsp;&nbsp;35.81% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;$671200.00 | &nbsp;&nbsp;0.18% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.62% | &nbsp;&nbsp;$9119673.00 | &nbsp;&nbsp;2.50% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.30% | &nbsp;&nbsp;$7823125.00 | &nbsp;&nbsp;2.15% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.65% | &nbsp;&nbsp;$3349999.00 | &nbsp;&nbsp;0.92% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364634841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;274 | &nbsp;&nbsp;88.96% | &nbsp;&nbsp;$324111462.00 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;34 | &nbsp;&nbsp;11.04% | &nbsp;&nbsp;$40523379.00 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364634841.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**TPR Loan Designation** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Safe Harbor QM (Q-43) | &nbsp;&nbsp;21 | &nbsp;&nbsp;6.82% | &nbsp;&nbsp;$29384268.00 | &nbsp;&nbsp;8.06% |
| &nbsp;&nbsp;Safe Harbor QM (APOR) | &nbsp;&nbsp;286 | &nbsp;&nbsp;92.86% | &nbsp;&nbsp;$334430573.00 | &nbsp;&nbsp;91.72% |
| &nbsp;&nbsp;Temporary SHQM (GSE/Agency Eligible) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.32% | &nbsp;&nbsp;$820000.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**308** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$364634841.00** | &nbsp;&nbsp;**100.00%** |

---

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

17 \| P a g e

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 2**

![](logositus-001.gif)

**Rating Agency Grades**

**Run Date - 1/10/2023 1:13:38 PM**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
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| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
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| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
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| [redacted] | [redacted] | [redacted] | [redacted] |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | B | B | B | B | B |  |
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| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | C | B | C | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | D | D | D | D | D |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | C | B | C | B |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | D | D | D | D | D |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | D | D | D | D | D |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | D | D | D | D | D |  | D | D | D | D | D |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | C | C | C | C | C |  | B | B | B | B | B |  | A | A | A | A | A |  | A | A | A | A | A |  | B | B | B | B | B |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  | C | C | C | C | C |  | C | C | C | C | C |  | A | A | A | A | A |  | C | C | C | C | C |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  | A | A | A | A | A |  |

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## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 3**

![](logositus-001.gif)

**Exception Grades**

**Run Date - 1/10/2023 1:13:38 PM** 

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| **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** |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Pending Internal Customer Final Collateral Package Review |  |  |  |  |  | Reviewer Comment (2020-04-03): Client has accepted collateral package. | 04/03/2020 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Missing Secondary Valuation. |  |  |  |  |  | Reviewer Comment (2020-04-07): Secondary product provided to support origination value. | 04/07/2020 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). | The final CD statement is missing the lenders contact name and NMLS ID number. |  |  |  | Reviewer Comment (2020-04-03): Client elects to waive. |  |  | 04/03/2020 | 2 B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | Missing evidence of timely delivery. |  |  |  | Reviewer Comment (2020-05-28): Uploaded as a trailing doc<br>Buyer Comment (2020-05-28): Acknowledgment of appraisal receipt | 05/28/2020 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Missing evidence of taxpayer consent, |  |  |  | Reviewer Comment (2020-05-28): Uploaded as trailing doc<br>Buyer Comment (2020-05-28): attached | 05/28/2020 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $XXXXX of title insurance coverage; however this is less than the loan amount of $XXXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2020-08-24): Final Title provided with sufficient coverage. Exception cleared. | 08/24/2020 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2020-08-24): Final Title provided. Exception cleared. | 08/24/2020 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Business license lookup dated XX/XX/XX. Note date is XX/XX/XX. The lender must verify the existence of the borrower's business within five (5) calendar days prior to closing. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years. | XXX credit score<br>XX% DTI<br>XX months reserves<br>Self-employed for 15 years | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2020-08-19): Client elects to waive.<br>Buyer Comment (2020-08-18): Please change to EV2 and waive. Borrower is in business and self-employed 15 years, XX months reserves, XXX credit score and XX% DTI.<br>Reviewer Comment (2020-08-18): Business license lookup dated XX/XX/XX, which is post close. Client to review for possible waive and regrade to EV2 with comp factors. Exception remains.<br>Buyer Comment (2020-08-17): The loan application reflects the borrower has been in business, self-employed 15 years.<br>Buyer Comment (2020-08-17): Uploaded third party business verifcation dated XX/XX/XX & XX/XX/XX. |  |  | 08/19/2020 | 2 C B |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank XXXXX): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | The original appraisal was completed XX/XX/XX. |  |  |  | Reviewer Comment (2021-04-14): Client elects to waive.<br>Reviewer Comment (2021-04-09): Evidence of earlier borrower receipt was not found in file.<br>Seller Comment (2021-04-09): (XXXXX) Please advise if the provided document is accepted. |  |  | 04/14/2021 | 2 B |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The Final CD did not include the supplemental property taxes documented in the loan file. |  |  |  | Reviewer Comment (2021-04-19): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2021-04-15): (XXXXX) Please advise on status of most recent upload as soon as you can.<br>Reviewer Comment (2021-04-09): XXXXX received PCCD however calculated costs are HOI $XXXX, Taxes $XXXXX, and Supplemental Taxes $XXXXX. The acceptable amounts are 10,11, or 12 months. Please provide verification if using an updated amount. Letter of Explanation and Corrected CD required to cure.<br>Seller Comment (2021-04-09): (XXXXX) Can you please advise on status of review? |  | 04/19/2021 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX | XXXXX received PCCD indicating $75 increase in section D loan costs thus causing TOP to be underdisclosed. Please provide a corrected CD, LOE, refund check, re open rescission, and proof of delivery to cure. |  |  |  | Reviewer Comment (2021-05-27): XXXXX received copy of settlement statement showing lender credit at disbursement, Letter of Explanation, Corrected Closing Disclosure and Re-open Rescission.<br>Seller Comment (2021-05-24): (XXXXX) Could you please advise on status of this rebuttal?<br>Reviewer Comment (2021-05-21): TOP underdisclosure was $75. Corrected CD dated XX/XX/XX & XX/XX/XX indicate a $75 lender credit added on PCCD's. Closing statement indicates the $75 credit to borrower on borrower's final settlement statement. This is sufficient to cure, but missing proof of re-opening of rescission on this Material Disclosure of a rescindable transaction to finalize cure requirements.<br>Seller Comment (2021-05-20): (XXXXX) Following up here, final ss shows $75 cure, could you please advise as soon as possible?<br>Seller Comment (2021-05-18): (XXXXX) Final SS dated XX/XX/XX shows $75 lender credit for cure, this should be sufficient to clear, no?<br>Seller Comment (2021-05-14): (XXXXX) Could you please advise regarding most recently provided uploads and explanations?<br>Reviewer Comment (2021-05-13): Both the XX/XX/XX and XX/XX/XX CD show a second notary fee in the amount of $75 paid to XXXXX. The fee is also present on the final closing statement. The fee was not disclosed prior to closing and the consumer was charged. Cure, PCCD, RTC, Proof of Delivery and copy of refund check.<br>Seller Comment (2021-05-10): (XXXXX) Could you please advise here regarding most recent uploads?<br>Seller Comment (2021-05-05): (XXXXX) Please see attached settlement statements, we believe the difference between the two settlement statements (estimated available at close vs Final available post close) will prove that the change in fees (and therefore TOP) is due to post consummation events and therefore not subject to cure and reopening of rescission. Settlement Statements uploaded.<br>Seller Comment (2021-05-05): (XXXXX) Can you please advise further here? LE and CD attached showing no increase in the title notary fee, please clear condition, or advise further.<br>Reviewer Comment (2021-04-19): It appears that the lender is confusing tolerance violations with a TOP under disclosure. Whether or not the title service was paid to a provider on the SSPL does not apply to a Total of Payment violation. XXXXX tests the TOP according to SFA TRID GRID 3.0 (Additional Considerations 7,8, and 20).Prior to TRID, material disclosures disclosed on the final TIL provided to the borrower at or before closing are compared to figures disclosed on most recent HUD-1 (issued pre or post close). Similarly, for TRID loans, XXXXX will calculate the APR, Finance Charge, and TOP based on corrected fees on the PCCD and cite exceptions if the APR, Finance Charge, and TOP disclosed on the final CD are inaccurate based on fees show on the PCCD. An EV3 exception will be cited if the APR, Finance Charge or TOP on the final CD are outside of tolerance for accuracy based on fees on the most recent PCCD issued within 60 days of consummation unless: 1) discrepancy results from change in interim interest due to difference in anticipated vs. actual disbursement date; or 2) there is a corresponding lender credit/cure for the amount of the increase in fees paid by the borrower. Otherwise, a TILA 130(b) correction with LOE, refund to ensure borrower does not pay more than the amount disclosed, and proof of delivery is required to cure to an EV2B. For rescindable transactions, reopening of rescission and proof of receipt by the borrower is also required. The threshold for the TOP is $100 for purchase transactions and $35 for rescindable transactions. The difference of 75 results from the title-Notary fee in section C added. As this is a rescindable transaction, the threshold for the TOP is $35 and a TILA 130(b) cure is required. We already have the corrected PCCD. A LOE, copy of refund check for $75, reopening of rescission, and proof of receipt by the borrower is required.<br>Seller Comment (2021-04-15): (XXXXX) can you please advise on status of this?<br>Seller Comment (2021-04-13): (XXXXX) Increase in costs was due to services in section C, services borrower chose to shop for, should not require cure. Please waive. |  | 05/27/2021 |  | 2 B |  | XX | Primary | Refinance - Rate/Term | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  | Reviewer Comment (2021-05-17): Evidence of rate lock provided | 05/17/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided for $950.00, covers both appraisal fees. |  |  |  | Reviewer Comment (2021-04-07): Sufficient Cure Provided At Closing |  | 04/07/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided for $950.00, covers both appraisal fees. |  |  |  | Reviewer Comment (2021-04-07): Sufficient Cure Provided At Closing |  | 04/07/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Cumulative Job prior to Gap | Qualified Mortgage (Dodd-Frank 2014): Cumulative Job History pre-Gap with LOE, lacking 2 years employment history prior to the Gap. | LOE provided per borrower, pvoe not provided. |  |  |  | Reviewer Comment (2021-05-04): Prior employment history documented | 05/04/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Prior employment verification needed. |  |  |  | Reviewer Comment (2021-05-04): SHQM loan | 05/04/2021 |  |  | 1 B A C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Evidence of the Rate Lock is not included. |  |  |  | Reviewer Comment (2021-05-17): Evidence of rate lock provided<br>Seller Comment (2021-05-13): Rate Lock Info | 05/17/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Evidence of the Rate Lock is not included. |  |  |  | Reviewer Comment (2021-05-14): Rate lock confirmation was provided<br>Seller Comment (2021-05-13): Rate Lock Info | 05/14/2021 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  |  |  |  |  | Reviewer Comment (2021-08-19): Note for subject lien provided.<br>Reviewer Comment (2021-06-11): Reviewed trailing docs, required doc in file, exception remains. | 08/19/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Per documentation provided, Estimated Property Costs over Year 1 should be $XXXXX |  |  |  | Reviewer Comment (2022-04-18): Client elects to waive.<br>Reviewer Comment (2021-09-24): XXXXX received Letter of Explanation & Corrected Closing Disclosure and is within $1.00 annual tolerance.<br>Seller Comment (2021-09-22): Updated PCCD with HOA dues corrected<br> Updated LOE to borrower<br>Seller Comment (2021-09-22): Updated PCCD with HOA dues corrected<br>Reviewer Comment (2021-08-31): The annual non-escrowed costs on page 4 of the final CD do not match the loan file. Annual non-escrowed costs, per loan file, are as follows: Hazard - $XXXXX, Tax - $XXXXX, HOA - $XXXXX for a total of $XXXXX. Provide PCCD and LOE that reflects the preceding amounts, or documentation of alternative amounts.<br>Seller Comment (2021-08-20): Please see attached LOX to borrower.<br>Seller Comment (2021-08-20): Please see attached PCCD with supporting fees (property taxes and homeowners insurance).<br>Reviewer Comment (2021-06-11): Reviewed trailing docs, required doc in file, exception remains. |  |  | 04/18/2022 | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Documentation verifying borrower provided consent to receive electronic disclosures on or prior to XX/XX/XX was not provided. |  |  |  | Reviewer Comment (2021-06-11): Exception cleared | 06/11/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third party verification of existence of business, with start date, dated within 120 days of the Note date, for XXXXX, was not provided. |  |  |  | Reviewer Comment (2021-08-19): Third party verification of existence of XXXXX, with start date, was provided.<br>Reviewer Comment (2021-06-11): Reviewed trailing docs, required doc in file, exception remains. | 08/19/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2021-05-14): Client elects to waive. |  |  | 05/14/2021 | 2 B |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). | Most recent 1120S and Schedule K-1 is not provided. |  |  |  | Reviewer Comment (2021-06-22): Most recent tax returns for 2020 not required to be filed at time of origination/Closing<br>Seller Comment (2021-06-15): The borrower operated as a Sch C in 2018 and did not file a 2018 S Corp Tax Return. Please refer to the 2018 personal tax return.<br>Reviewer Comment (2021-06-03): We need 2018 K1 and all pages for 2018 and 2018 business tax returns for XXXXX. Exception remains.<br>Reviewer Comment (2021-06-02): Missing two years of business returns. Missing 2018 business returns. Exception remains. | 06/22/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $700.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% Tolerance Exceeded for Appraisal Fee. Initially disclosed as $XXXXX on Loan Estimate and disclosed as $XXXXX on the final Closing Disclosure. A $200.00 Lender credit for increase in Closing Costs is applied at close. |  |  |  | Reviewer Comment (2021-05-04): Sufficient Cure Provided At Closing |  | 05/04/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. | Evidence of an earlier receipt is not included. |  |  |  | Reviewer Comment (2021-05-20): Client elects to waive |  |  | 05/20/2021 | 2 B |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | The Settlement Service Provider List was not found in the file |  |  |  | Reviewer Comment (2021-06-17): XXXXX received Settlement service provider list | 06/17/2021 |  |  | 1 A |  | XX | Primary | Purchase | No Defined Cure A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,957.00 exceeds tolerance of $2,232+H654+H647:H664+H647:H666+H647:H668+H647:H670+H647:H672+H647:H674+H647:H673+H647:H672+H647:H647:H664 | 10% tolerance was exceeded by $1,501.80 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,501.80, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-06-17): XXXXX received SSPL disclosure<br>Seller Comment (2021-06-03): SSPL uploaded, borrower did not use provider listed<br>Reviewer Comment (2021-06-02): No SSPL was located in the loan file to test shopped or not shopped status. Provide SSPL or cure.<br>Seller Comment (2021-05-21): Invalid, Recording fees decreased: Recording fees Initial CD XX/XX=$137; Recording fees Final CD XX/XX/XX=$117 | 06/17/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Guideline Requirement: Available for Reserves discrepancy. |  | Documentation verifying sufficient funds to close and required reserves was not provided. |  |  |  | Reviewer Comment (2021-06-11): Sufficient funds documented. Cleared.<br>Reviewer Comment (2021-06-02): Calculated Available for Reserves of $0.00 is less than Guideline Available for Reserves of $6.00. Exception remains. | 06/11/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documentation verifying sufficient funds to close and required reserves was not provided. |  |  |  | Reviewer Comment (2021-06-11): Sufficient funds documented. Cleared.<br>Reviewer Comment (2021-06-02): Documented qualifying Assets for Closing of $474,729.97 is less than Cash From Borrower $492,959.03. Exception remains. | 06/11/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. | Documentation verifying complete 2 year employment history was not provided. Letter of Explanation for all employment gaps was not provided. |  |  |  | Reviewer Comment (2021-06-11): Gap letter provided.<br>Reviewer Comment (2021-06-02): Please provide letter of explanation for all employment gaps. Exception remains. | 06/11/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2021-05-20): Client elects to waive |  |  | 05/20/2021 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Documentation verifying complete 2 year employment history was not provided. Letter of Explanation for all employment gaps was not provided. |  |  |  | Reviewer Comment (2021-06-11): Gap letter provided. | 06/11/2021 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | $XXXX is actual |  |  |  | Reviewer Comment (2021-06-22): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2021-06-03): Property costs reflected on Final CD of $XXXXX on page 4 is 11 months of page 1 monthly of $1434.38. Loan file indicates Costs of $15,789.62 which exceeds the $1.00 tolerance. These itemized costs of $XXXXX tax / $XXXXX ins totaling $1435.42. Please provide PCCD and LOE to cure or verification of updated amounts.<br>Seller Comment (2021-05-21): Please provide complete breakdown of figures used in calculation of Estimated Property Costs over Year 1 |  | 06/22/2021 |  | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. |  |  |  |  | Reviewer Comment (2021-05-20): Client elects to waive |  |  | 05/20/2021 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,720.00 exceeds tolerance of $4,970.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $4,970.00 on LE but disclosed as $6,720.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,750.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-07-29): XXXXX received Rate Lock dated XX/XX/XX and XX/XX/XX hence no cure required.<br>Seller Comment (2021-07-28): 10 day lock extension completed on XX/XX/XX charged a 0.250% cost to borrower, increasing discount charge to $6720.00. This is disclosed on the XX/XX/XX Cd sent to borrower. See attached lock, Cd, and Trid history disclosure for proof of delivery | 07/29/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $620.00 exceeds tolerance of $425.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee last disclosed as $425.00 on LE but disclosed as $620.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $195.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-07-29): XXXXX Sufficient Cure provided at Closing.<br>Seller Comment (2021-07-28): Please disregard XXXXX package CD uploaded - for another file<br>Seller Comment (2021-07-28): Tolerance credit provided for under disclosed appraisal fee on final CD. See attached final CD, I have highlighted page 2 section J which includes the $195 tolerance credit. | 07/29/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Documented asset are less than 6 Months reserves required for CLTV over 80% per guidelines. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2021-08-02): Client elects to waive with compensating factors: XX% DTI, XXX FICO and 12 years on job<br>Reviewer Comment (2021-08-02): XX% DTI, XXX FICO and 12 years on job<br>Reviewer Comment (2021-07-28): XX/XX/XX XXXXX Client to review.<br>Seller Comment (2021-07-27): XX/XX/XX DS: Please escalate this to XXXXX as this is not a requirement.<br>Reviewer Comment (2021-07-26): XX/XX/XX Exception remains. Loan reviewed to guidelines provided by client. XXXXX AUS program requires greater of 6 months or amount determined by AUS for ltv greater than 80%.<br>Seller Comment (2021-07-22): XX/XX/XX DS: 6 months of reserves is not a requirement of this loan. Loan follows AUS, attached overlays and attached matrix. 6 months of reserves are not required. |  |  | 08/02/2021 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $620.00 exceeds tolerance of $425.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-08-02): Sufficient Cure Provided At Closing |  | 08/02/2021 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Documented assets do not meet reserve requirment. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC | Reviewer Comment (2021-08-02): Client elects to waive with compensating factors: 12 yrs on job, XX% LTV<br>Reviewer Comment (2021-08-02): 12 yrs on job, XX% LTV<br>Reviewer Comment (2021-07-28): XX/XX/XX Loan review to client guidelines. Exception sent to client to review.<br>Seller Comment (2021-07-27): XX/XX/XX DS: Please waive this condition as this is not a requirement as stated 3 times now.<br>Reviewer Comment (2021-07-26): XX/XX/XX Client to review.<br>Seller Comment (2021-07-23): XX/XX/XX DS: Please waive condition as this is not a requirement. Please escalate to leadership prior to rejection as this is not a requirement of this loan.<br>Reviewer Comment (2021-07-16): XX/XX/XX Unable to clear. File is reviewed to XXXXX XXXXX guidelines which require 3 months reserves for loan amount over 1 Million.<br>Seller Comment (2021-07-01): XX/XX/XX DS: please see attached CD and AUS. No funds are needed for this transaction. Attached are the overlays for this loan product. Reserves are not required. |  |  | 08/02/2021 | 2 C B |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2021-05-27): Final 1003 Received and updated hence clearing condition.<br>Seller Comment (2021-05-20): 1003 | 05/27/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Document Error | Asset | Gift Funds reflected on HUD, however supporting documentation was not found in file. |  | Gift was $XXXX which does meet the requirements i.e two months bank accounts and disbursement, and borrower has 3% of own funds in the transaction.<br>These conditions were not met.<br>1) Receipt of funds to borrower is after date of last bank statement<br>2) LP does not indicate there are gift funds in the transaction. |  |  |  | Reviewer Comment (2021-06-01): Gift funds have been documented, donor's ability and transfer of funds to buyer are documented<br>Seller Comment (2021-05-20): Invalid- CD/HUD does not show gift funds used anywhere, please clear this. | 06/01/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Temporary SHQM (GSE/Agency Eligible) | Temporary SHQM (GSE/Agency Eligible) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $970.00 exceeds tolerance of $770.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure of $200 was provided to the Borrowers |  |  |  | Reviewer Comment (2021-06-21): Sufficient Cure Provided At Closing |  | 06/21/2021 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,650.00 exceeds tolerance of $1,250.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1,250 on LE but disclosed as $1,650 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-06-10): Sufficient Cure Provided At Closing |  | 06/10/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-08-25): Received a XXXXX Desk review on XX/XX/XX which provided value of XXXXX a 0.0000% variance from the appraised value of XXXXX value supported. Condition cleared. | 08/25/2021 |  |  | 1 D A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2021-09-02): XXXXX received XX/XX/XX Initial CD<br>Seller Comment (2021-08-20): Closing disclosure mailed to borrower on XX/XX/XX, mailbox rule applied for closing on XX/XX/XX | 09/02/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $7,330.00 exceeds tolerance of $6,005.00 plus 10% or $6,605.50. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $724.50 due to increased title fees. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2021-08-03): Sufficient Cure Provided At Closing |  | 08/03/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $271.85 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $250 on LE but disclosed as $271.85 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-08-03): Sufficient Cure Provided At Closing |  | 08/03/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided 3 days prior to closing without waiver. |  |  |  | Reviewer Comment (2021-08-25): Client elects to waive. |  |  | 08/25/2021 | 2 B |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2021-10-13): Exception cleared.<br>Seller Comment (2021-10-12): XX/XX/XX DS: Please see attached evidence property was sold.<br>Reviewer Comment (2021-10-11): In review of submission # 19 dated XX/XX/XX XX%/ XX%: AUS does reflect that $XXXX was included and in further review the AUS lists the omission of the mortgage payment for XXXXX, which is also listed as a retained primary residence on the final 1003, along with the subject property. Would need satisfactory documentation to support the omission of the debt.<br>Seller Comment (2021-10-08): XX/XX/XX DS: See attached AUS showing this was not omitted.<br>Reviewer Comment (2021-10-07): The recent AUS Provided via Submission # 18 dated XX/XX/XX #14 reflects that the payment of $XXXX with an account ending in XXXXX, and balance $XXXX lease payment, was omitted from the liabilities and would need supporting information to exclude the debt.<br>Seller Comment (2021-10-06): XX/XX/XX DS: See attached AUS showing file qualifies with XXXXX included into ratios.<br>Reviewer Comment (2021-10-01): Evidence of exclusion for XXXXX with payment of $XXXX not provided.<br>Seller Comment (2021-10-01): XX/XX/XX DS: See attached showing account holder of XXXXX and XXXXX<br>Reviewer Comment (2021-09-07): Received Credit supplement dated XX/XX/XX showing XXXXX showing balance $0, Received bank statement for liabilities paid for XXXXX for $3351 :XXXXX for $479:XXXXX for $316 and XXXXX for $545 , bank statement provided does not show holders name unable to determine if its paid by others , Please provide statement for account #XXXXX and XXXXX showing holders name , Exception Remains<br>Seller Comment (2021-09-07): XX/XX/XX DS: See attached evidence debts paid by others. XXXXX account closed xXXXXX and XXXXX xXXXXX added into DTI. See attached AUS.<br>Reviewer Comment (2021-08-26): lender to review | 10/13/2021 |  |  | 1 B A C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | AUS findings #15 reflects mortgages and debts were omitted from DTI. Need proof all mortgages and debts were paid off to excluded in DTI. |  |  |  | Reviewer Comment (2021-10-01): Corrected docs provided.<br>Reviewer Comment (2021-10-01): Cleared by mistake.<br>Reviewer Comment (2021-10-01): Evidence of exclusion for XXXXX with payment of $XXXX not provided.<br>Seller Comment (2021-10-01): XX/XX/XX DS: See attached showing account holder of XXXXX and XXXXX<br>Reviewer Comment (2021-09-07): Received Credit supplement dated XX/XX/XX showing XXXXX#XXXX showing balance $0, Received bank statement for liabilities paid for XXXXX for $XXXXX :XXXXX for $XXXX:XXXXX for $XXXX and XXXXX for $XXXX , bank statement provided does not show holders name unable to determine if its paid by others , Please provide statement for account #XXXXX and XXXXX showing holders name , Exception Remains<br>Seller Comment (2021-09-07): XX/XX/XX DS: Please see attached evidence debts are paid by another party. XXXXX added back into DTI. See attached AUS.<br>Reviewer Comment (2021-08-26): Lender to review | 10/01/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | AUS findings #15 reflects mortgages and debts were omitted from DTI. Need proof all mortgages and debts were paid off to excluded in DTI. |  |  |  | Reviewer Comment (2021-10-13): Exception cleared.<br>Seller Comment (2021-10-12): XX/XX/XX DS: Please see attached evidence property was sold.<br>Reviewer Comment (2021-10-11): In review of submission # 19 dated XX/XX/XX XX%/ XX%: AUS does reflect that $XXXX was included and in further review the AUS lists the omission of the mortgage payment for XXXXX, which is also listed as a retained primary residence on the final 1003, along with the subject property. Would need satisfactory documentation to support the omission of the debt.<br>Seller Comment (2021-10-08): XX/XX/XX DS: See attached AUS showing not omitted.<br>Reviewer Comment (2021-10-07): The recent AUS Provided via Submission # 18 dated XX/XX/XX #14 reflects that the payment of $XXXX with an account ending in XXXXX, and balance $XXXX lease payment, was omitted from the liabilities and would need supporting information to exclude the debt<br>Seller Comment (2021-10-06): XX/XX/XX DS: See attached AUS showing file qualifies with XXXXX included into ratios.<br>Reviewer Comment (2021-10-01): Evidence of exclusion for XXXXX with payment of $XXXX not provided.<br>Seller Comment (2021-10-01): XX/XX/XX DS: See attached showing account holder of XXXXX and XXXXX<br>Reviewer Comment (2021-09-07): Received Credit supplement dated XX/XX/XX showing XXXXX showing balance $0, Received bank statement for liabilities paid for XXXXX for $XXXX :XXXXX for $XXXX:XXXXX for $XXXX and XXXXX for $XXXX , bank statement provided does not show holders name unable to determine if its paid by others , Please provide statement for account #XXXXX and XXXXX showing holders name , Exception Remains<br>Seller Comment (2021-09-07): XX/XX/XX DS: See attached evidence debts paid by others. XXXXX account closed xXXXXX and XXXXX xXXXXX added into DTI. See attached AUS.<br>Reviewer Comment (2021-08-26): Lender to review. | 10/13/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | AUS findings #15 reflects mortgages and debts were omitted from DTI. Need proof all mortgages and debts were paid off to excluded in DTI. |  |  |  | Reviewer Comment (2021-10-13): Exception cleared.<br>Seller Comment (2021-10-12): XX/XX/XX DS: Please see attached evidence property was sold.<br>Reviewer Comment (2021-10-11): In review of submission # 19 dated XX/XX/XX XX%/ XX%: AUS does reflect that $XXXX was included and in further review the AUS lists the omission of the mortgage payment for XXXXX, which is also listed as a retained primary residence on the final 1003, along with the subject property. Would need satisfactory documentation to support the omission of the debt.<br>Seller Comment (2021-10-08): XX/XX/XX DS: See attached AUS showing not omitted.<br>Reviewer Comment (2021-10-07): The recent AUS Provided via Submission # 18 dated XX/XX/XX #14 reflects that the payment of $XXXX with an account ending in XXXXX, and balance $XXXX lease payment, was omitted from the liabilities and would need supporting information to exclude the debt<br>Seller Comment (2021-10-06): XX/XX/XX DS: See attached AUS showing file qualifies with XXXXX included into ratios.<br>Reviewer Comment (2021-10-01): Evidence of exclusion for XXXXX with payment of $XXXX not provided.<br>Seller Comment (2021-10-01): XX/XX/XX DS: See attached showing account holder of XXXXX and XXXXX<br>Reviewer Comment (2021-09-07): Received Credit supplement dated XX/XX/XX showing XXXXX showing balance $0, Received bank statement for liabilities paid for XXXXX for $XXXX :XXXXX for $XXXX:XXXXX for $XXX and XXXXX for $XXX , bank statement provided does not show holders name unable to determine if its paid by others , Please provide statement for account #XXXXX and XXXXX showing holders name , Exception Remains<br>Seller Comment (2021-09-07): XX/XX/XX DS: See attached evidence debts paid by others. XXXXX account closed xXXXXX and XXXXX xXXXXX added into DTI. See attached AUS.<br>Reviewer Comment (2021-08-26): Failing due to DTI - lender to review. | 10/13/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Loan amounts > $1.5mm require a 2nd appraisal per guidelines. |  |  |  | Reviewer Comment (2021-10-01): 2nd appraisal provided.<br>Seller Comment (2021-09-29): XX/XX/XX DS: Please see attached second appraisal and DU findings with updated appraised value.<br>Reviewer Comment (2021-08-26): Lender to review | 10/01/2021 |  |  | 1 D A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2021-08-26): XXXXX received, associated and updated accordingly, Exception Cleared<br>Reviewer Comment (2021-08-24): Valuation Received - XX/XX/XX | 08/26/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) | Evidence of exclusion for XXXXX with payment of $XXXX not provided. |  |  |  | Reviewer Comment (2021-10-13): Exception cleared.<br>Seller Comment (2021-10-12): XX/XX/XX DS: Please see attached evidence property was sold.<br>Reviewer Comment (2021-10-11): In review of submission # 19 dated XX/XX/XX XX%/ XX%: AUS does reflect that $XXXX was included and in further review the AUS lists the omission of the mortgage payment for XXXXX, which is also listed as a retained primary residence on the final 1003, along with the subject property. Would need satisfactory documentation to support the omission of the debt.<br>Seller Comment (2021-10-08): XX/XX/XX DS: See attached AUS showing not omitted.<br>Reviewer Comment (2021-10-07): The recent AUS Provided via Submission # 18 dated XX/XX/XX #14 reflects that the payment of $XXXX with an account ending in XXXXX, and balance $XXXX lease payment, was omitted from the liabilities and would need supporting information to exclude the debt<br>Seller Comment (2021-10-06): XX/XX/XX DS: See attached AUS showing file qualifies with XXXXX included into ratios. | 10/13/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank XXXXX): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | Verification appraisal was delivered to borrower was not provided. |  |  |  | Reviewer Comment (2021-10-05): Received borrower signed right receive copy of appraisal at lease three days prior to close. Exception cleared<br>Seller Comment (2021-10-04): DC XX/XX/XX Please disregard additional documents unrelated to this transaction, they were erroneously uploaded.<br>Seller Comment (2021-10-04): DC XX/XX/XX Disagree. Please see attached executed Intent to Proceed showing the borrower waived their right to receive their appraisal at least three days prior to close. | 10/05/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | Transfer letter not provided. |  |  |  | Reviewer Comment (2021-10-04): Client elects to waive |  |  | 10/04/2021 | 2 B |  | XX | Primary | Refinance - Rate/Term | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Document Inventory | General | Missing Document | Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present. |  | Tax payer consent was provided, however was not signed. |  |  |  | Reviewer Comment (2021-08-13): signed and dated Tax payer consent received from both borrowers , exception cleared<br>Seller Comment (2021-08-13): Please see attached.<br>Reviewer Comment (2021-08-13): No new documentation to clear this exception as of XX/XX/XX.<br>Seller Comment (2021-08-12): authorization to release tax info | 08/13/2021 |  |  | 1 B A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  | Note Disclosed 5% late charge percentage for a XXXXX property. |  |  |  | Reviewer Comment (2021-08-13): Note document received with Late fees of 2% (D0620) Exception cleared<br>Seller Comment (2021-08-13): Please see attached.<br>Reviewer Comment (2021-08-11): Violation of XXXXX: A lender may collect a late charge on any installment which has become due and remains unpaid for at least 15 days, regardless of the period it remains in default, but it may not exceed and may only be enforced to the extent of 2% of such delinquent installment, if the late charge is provided for in the loan documents. | 08/13/2021 |  |  | 1 B A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank XXXXX): Self-employed income documentation not sufficient (Partnership). | The K-1 for XXXXX was not provided for XXXXX. |  |  |  | Reviewer Comment (2021-08-30): Determined income loss does not effect outcome of total income and DTI. Exception cleared XX/XX/XX.<br>Seller Comment (2021-08-27): Please see attached P&L (page 1) and Balance Sheet (Page 2).<br>Reviewer Comment (2021-08-26): Client requires P&L an balance sheet for minor S/E losses. Exception remains.<br>Reviewer Comment (2021-08-23): Provide 2 year recent partnership returns. Exception remains.<br>Seller Comment (2021-08-22): Please see attached.<br>Reviewer Comment (2021-08-19): For XXXXX need signed and dated XXXXX and XXXXX business returns, YTD P&L, Balance sheet. Exception remains.<br>Reviewer Comment (2021-08-18): XXXXX Tax Returns Required. Exception Remains<br>Seller Comment (2021-08-17): Please see the enclosed XXXXX individual tax return extension. Please note that the borrowers applied for a XXXXX tax return extension, so we do not have an executed and filed XXXXX individual tax return. WE HAVE SATISFIED XXXXX'S TAX RETURN REQUIREMENT because we previously provided XXXXX, XXXXX, and XXXXX tax returns and the XXXXX tax return extension. PLEASE ALSO SEE THE ENCLOSED XXXXX K1 FOR XXXXX. Please clear this condition.<br>Seller Comment (2021-08-17): We already provided the requested XXXXX personal tax return extension multiple times. Please see the enclosed document. Pease clear this condition.<br>Reviewer Comment (2021-08-16): Received XXXXX K-1 in file however XXXXX K-1 and XXXXX Personal Tax returns missing please provide hence Exception remains same.<br>Seller Comment (2021-08-16): Please see attached.<br>Reviewer Comment (2021-08-13): Provide K-1 for XXXXX for XXXXX. Exception Remains<br>Seller Comment (2021-08-13): Please see attached.<br>Reviewer Comment (2021-08-11): K-1 for XXXXX not provided. Exception Remains | 08/30/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | S-Corp Income Documentation Test | Qualified Mortgage (Dodd-Frank XXXXX): Self-employed income documentation not sufficient (S-Corp). | There was no documentation of in for XXXXX for XXXXX. One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s; 3) Audited YTD P&L; 4) Most recent Business tax transcripts; 5) Most recent signed, dated 1120S returns. |  |  |  | Reviewer Comment (2021-08-19): Exception cleared.<br>Reviewer Comment (2021-08-18): XXXXX Tax Returns Required. Exception Remains<br>Seller Comment (2021-08-17): Please see the enclosed XXXXX individual tax return extension. Please note that the borrowers applied for a XXXXX tax return extension, so we do not have an executed and filed XXXXX individual tax return. WE HAVE SATISFIED XXXXX'S TAX RETURN REQUIREMENT because we previously provided XXXXX, XXXXX, and XXXXX tax returns and the XXXXX tax return extension. PLEASE ALSO SEE THE ENCLOSED XXXXX K1 FOR XXXXX. Please clear this condition.<br>Seller Comment (2021-08-17): We already provided the requested XXXXX personal tax return extension multiple times. Please see the enclosed document. Pease clear this condition.<br>Reviewer Comment (2021-08-16): provide Signed and Dated 1040's for the year XXXXX<br>Seller Comment (2021-08-16): Please see attached. Please read the document carefully. We have provided all necessary documentation, per XXXXX guidelines.<br>Reviewer Comment (2021-08-13): Provide documents are available in file , exception remains<br>Seller Comment (2021-08-13): Please see attached.<br>Reviewer Comment (2021-08-11): No docs received apart from Duplicate Balance Sheet which was provided previously. Exception Remains<br>Seller Comment (2021-08-10): See documents uploaded to other condition. | 08/19/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Schedule D | Ability to Repay (Dodd-Frank XXXXX): Unable to verify XXXX income using reasonably reliable third-party records. | One of the following missing documents is required for this income source: 1) Most recent tax transcripts; 2) Most recent signed, dated 1040s for XXXXX to verify XXXX. |  |  |  | Reviewer Comment (2021-08-19): Exception cleared.<br>Reviewer Comment (2021-08-18): XXXXX Tax Returns Required. Exception Remains<br>Seller Comment (2021-08-17): Please see the enclosed XXXXX individual tax return extension. Please note that the borrowers applied for a XXXXX tax return extension, so we do not have an executed and filed XXXXX individual tax return. WE HAVE SATISFIED XXXXX'S TAX RETURN REQUIREMENT because we previously provided XXXXX, XXXXX, and XXXXX tax returns and the XXXXX tax return extension. PLEASE ALSO SEE THE ENCLOSED XXXXX K1 FOR XXXXX. Please clear this condition.<br>Seller Comment (2021-08-17): We already provided the requested XXXXX personal tax return extension multiple times. Please see the enclosed document. Pease clear this condition.<br>Reviewer Comment (2021-08-16): provide Signed and Dated 1040 for the year XXXXX<br>Seller Comment (2021-08-16): Please see attached. Please read the document carefully. We have provided all necessary documentation, per XXXXX guidelines.<br>Reviewer Comment (2021-08-13): Provide documents are available in file , exception remains<br>Seller Comment (2021-08-13): Please see attached. | 08/19/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Missing self employed income documentation to support ATR requirements. |  |  |  | Reviewer Comment (2021-08-19): Exception cleared. | 08/19/2021 |  |  | 1 A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure is due to QM failure. The exceptions will be cleared once all QM specific exceptions have been cleared/cured. |  |  |  | Reviewer Comment (2021-09-01): Docs provided - Exception cleared.<br>Seller Comment (2021-08-30): Please review the bank statements that were provided in the initial loan package submission on XX/XX/XX. The business bank statements for XXXXX were already provided. Please see attached business returns for XXXXX.<br>Reviewer Comment (2021-08-30): Received P&L Statement on XX/XX/XX. Please provide business bank statement for XXXXX.<br>Seller Comment (2021-08-27): Please see attached P&L (page 1) and Balance Sheet (Page 2) for XXXXX.<br>Reviewer Comment (2021-08-23): Provide 2 year recent partnership returns to clear the exception. Exception remains.<br>Seller Comment (2021-08-22): Please see attached.<br>Reviewer Comment (2021-08-19): This exception will be removed once we receive all income docs.<br>Reviewer Comment (2021-08-18): XXXXX Tax Returns Required. Exception Remains<br>Seller Comment (2021-08-17): Please see the enclosed XXXXX individual tax return extension. Please note that the borrowers applied for a XXXXX tax return extension, so we do not have an executed and filed XXXXX individual tax return. WE HAVE SATISFIED XXXXX'S TAX RETURN REQUIREMENT because we previously provided XXXXX, XXXXX, and XXXXX tax returns and the XXXXX tax return extension. PLEASE ALSO SEE THE ENCLOSED XXXXX K1 FOR XXXXX. Please clear this condition.<br>Seller Comment (2021-08-17): We already provided the requested XXXXX personal tax return extension multiple times. Please see the enclosed document. Pease clear this condition.<br>Reviewer Comment (2021-08-16): provide Signed and Dated 1040 for the year XXXXX<br>Seller Comment (2021-08-16): Please clear this condition. | 09/01/2021 |  |  | 1 B A C |  | XX | Second Home | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial CD was not provided to the Borrower at least three days prior to closing. The initial CD was provided on XX/XX/XX, 3 days less the weekend would be XX/XX/XX with the final CD on XX/XX/XX. |  |  |  | Reviewer Comment (2021-08-31): Exception cleared.<br>Reviewer Comment (2021-08-31): XX/XX/XX: Error in comment that the date was XX/XX/XX when CD was signed XX/XX/XX. The exception is still correct.<br>Seller Comment (2021-08-20): Please see attached.<br>Reviewer Comment (2021-08-19): We need proof when the borrower received the CD issued on XX/XX/XX at 9:11amPST. Exception remains.<br>Reviewer Comment (2021-08-18): No documentation has been provided to correct this exception as of XX/XX/XX.<br>Seller Comment (2021-08-17): Please review the previously provided documents. Please clear this condition.<br>Seller Comment (2021-08-13): Please see attached.<br>Reviewer Comment (2021-08-13): No new documentation provided to clear this exception as of XX/XX/XX.<br>Seller Comment (2021-08-12): Initial CD issued XX/XX/XX. Loan closed on XX/XX/XX which follows the 3 day rule as Saturdays are included in that timing schedule.<br>Reviewer Comment (2021-08-12): No additional documentation was provided as of XX/XX/XX.<br>Seller Comment (2021-08-10): Saturday counts as a business day towards CD issuance days. XX/XX/XX is valid closing date. | 08/31/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | The loan amount exceeds the maximum for the investor guidelines by XXXXX. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has been employed in the same industry for more than 5 years. | Compensating factors: Desk agreed to XXXXX loan amount exception on this XX% LTV cash-out. Comp factors include XX months of reserves, more than $XXXX monthly residual income, strong credit and 27 years on job.<br>Compensating factors: Desk agreed to XXXXX loan amount exception on this XX% LTV cash-out. Comp factors include XX months of reserves, more than $XXXX monthly residual income, strong credit and 27 years on job. | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2021-09-03): Compensating factors: Desk agreed to XXXXX loan amount exception on this XX% LTV cash-out. Comp factors include 32 months of reserves, more than $XXXX monthly residual income, strong credit and 27 years on job. Client elects to waive.<br>Reviewer Comment (2021-09-02): Client to review.<br>Reviewer Comment (2021-09-02): Exception re-opened for review by client.<br>Reviewer Comment (2021-08-13): Document provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2021-08-12): Uploaded email shows response from XXXXX on XX/XX/XX stating it's accomodated as an exception.<br>Reviewer Comment (2021-08-12): The emails regarding request for loan amount exceeding guidelines was not responded to with an approval. Please provide a final email giving approval for the higher loan amount. |  |  | 09/03/2021 | 2 C B |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Tax return filing requirement date was extended to XX/XX/XX. The most recent tax returns were provided. |  |  |  | Reviewer Comment (2021-08-12): Client elects to waive. |  |  | 08/12/2021 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Tax return filing requirement date was extended to XX/XX/XX. The most recent tax returns were provided. |  |  |  | Reviewer Comment (2021-08-12): Client elects to waive. |  |  | 08/12/2021 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Tax return filing requirement date was extended to XX/XX/XX. The most recent tax returns were provided. |  |  |  | Reviewer Comment (2021-08-12): Client elects to waive. |  |  | 08/12/2021 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Tax return filing requirement date was extended to XX/XX/XX. The most recent tax returns were provided. |  |  |  | Reviewer Comment (2021-08-12): Client elects to waive. |  |  | 08/12/2021 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | S-Corp Income Documentation - YTD P&L | Qualified Mortgage (Dodd-Frank XXXXX): YTD P&L is dated before the quarter prior to creditor application date. YTD Date = XX/XX/XX, Creditor Application Date = XX/XX/XX (S-Corp). | We have YTDP&L in file. This exception will be reviewed by our compliance dept. once we received all income docs for self employment. |  |  |  | Reviewer Comment (2021-08-31): Bank statements updated for XXXXX, Exception cleared.<br>Seller Comment (2021-08-30): Please review the bank statements that were provided in the initial loan package submission on XX/XX/XX. The business bank statements for XXXXX were already provided. Please see attached business returns for XXXXX.<br>Seller Comment (2021-08-30): Please review the bank statements that were provided in the initial loan package submission on XX/XX/XX. The business bank statements for XXXXX were already provided.<br>Reviewer Comment (2021-08-30): Received P&L Statement on XX/XX/XX. Please provide business bank statement for XXXXX.<br>Seller Comment (2021-08-27): Please see attached P&L (page 1) and Balance Sheet (Page 2).<br>Reviewer Comment (2021-08-26): Application date is XX/XX/XX. Missing YTD P&L for first quarter of XXXXX. Exception remains.<br>Reviewer Comment (2021-08-23): Provide 2 year recent partnership returns to clear the exception. Exception remains.<br>Seller Comment (2021-08-22): Please see attached. | 08/31/2021 |  |  | 1 A |  | XX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary Title on file disclosed an insufficient amount of title insurance coverage .Provide a copy of the final title Policy or an addendum of the preliminary report verifying Title Insurance of loan amount |  |  |  | Reviewer Comment (2021-08-17): Received Final title policy with Policy amount XXXXX hence condition cleared.<br>Seller Comment (2021-08-16): XX/XX/XX DS: See attached final title. | 08/17/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | This File is missing a copy of the Final Title Policy. |  |  |  | Reviewer Comment (2021-08-17): Received Final title policy with policy amount XXXXX hence condition cleared. | 08/17/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-09-24): Desk review provided. Exception cleared.<br>Reviewer Comment (2021-09-24): AVM in file is not acceptable; XXXXX through XXXXX is.<br>Seller Comment (2021-09-23): this report was in the file when loan was delivered<br>Reviewer Comment (2021-08-26): Lender to provide | 09/24/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-08-24): Received 1008 document. Exception Cleared.<br>Seller Comment (2021-08-24): 1008 is in file- | 08/24/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $925.00 exceeds tolerance of $480.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $480 on LE but disclosed as $925 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-08-03): Sufficient Cure Provided At Closing |  | 08/03/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | K-1 Documentation | Qualified Mortgage (Dodd-Frank XXXXX): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. | Borrower provided K1 for XXXXX and filed an extension for personal returns for tax year XXXXX. |  |  |  | Reviewer Comment (2021-08-25): Client elects to waive.<br>Reviewer Comment (2021-08-25): provide signed and dated XXXXX tax returns as XXXXX K-1 document is in the file. Exception remains.<br>Seller Comment (2021-08-24): please advise what is needed for this condition<br>Reviewer Comment (2021-08-20): Regraded to EV2-B, tax return recency issue,XXXXX, XXXXX & XXXXX signed/dated personal returns in file but XXXXX personal returns on extension. File contains XXXXX & XXXXX K-1s. |  |  | 08/25/2021 | 2 C B |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less 25% | Ability-to-Repay (Dodd-Frank XXXXX): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. | Borrower provided K1 for XXXXX and filed an extension for personal returns for tax year XXXXX. |  |  |  | Reviewer Comment (2021-08-20): Loan is SHQM. | 08/20/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less 25% | Ability to Repay (Dodd-Frank XXXXX): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | Borrower provided K1 for XXXXX and filed an extension for personal returns for tax year XXXXX. |  |  |  | Reviewer Comment (2021-08-20): Loan is SHQM. | 08/20/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank XXXXX): General Ability-to-Repay requirements not satisfied. | Ability-to-Repay requirements not satisfied due to income regulation failures triggered. Once this are corrected this will be cleared. |  |  |  | Reviewer Comment (2021-08-20): Loan is SHQM. | 08/20/2021 |  |  | 1 A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared |  |  |  | Reviewer Comment (2021-08-20): Loan is SHQM. | 08/20/2021 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM | Safe Harbor QM | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. |  |  |  |  |  | Reviewer Comment (2021-10-14): Exception cleared.<br>Reviewer Comment (2021-09-24): Desk review was completed on XX/XX/XX, prior to disaster declaration date. | 10/14/2021 |  |  | 1 A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM | Safe Harbor QM | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $900.00 exceeds tolerance of $389.00 plus 10% or $427.90. Sufficient or excess cure was provided to the borrower at Closing. | $882.10 cure provided |  |  |  | Reviewer Comment (2021-07-29): Sufficient Cure Provided At Closing |  | 07/29/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,160.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | $882.10 cure provided |  |  |  | Reviewer Comment (2021-07-29): Sufficient Cure Provided At Closing |  | 07/29/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Guidelines require a maximum LTC/CLTV of 75% with a loan amount of $2.5m to $3.5m |  |  |  | Reviewer Comment (2021-08-17): As Per XXXXX guidelines, max LTV allowable for loan amounts grater than $2.5m and capped at $3.0m is 80% when FICO is >750 and DTI is under 38%. Current LTV is XX%, current DTI is XX, current FICO is XXX/XXX.<br>Seller Comment (2021-08-16): Per XXXXX guidelines, max LTV allowable for loan amounts grater than $2.5m and capped at $3.0m is 80% when FICO is >750 and DTI is under 38%. Current LTV is XX%, current DTI is XX, current FICO is XXX/XXX. Condition is invalid, please clear. | 08/17/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | Guidelines require a maximum LTC/CLTV of 75% with a loan amount of $2.5m to $3.5m |  |  |  | Reviewer Comment (2021-08-17): As Per XXXXX guidelines, max LTV allowable for loan amounts grater than $2.5m and capped at $3.0m is 80% when FICO is >750 and DTI is under 38%. Current LTV is XX%, current DTI is XX, current FICO is XXX/XXX.<br>Seller Comment (2021-08-16): Per XXXXX guidelines, max LTV allowable for loan amounts grater than $2.5m and capped at $3.0m is 80% when FICO is >750 and DTI is under 38%. Current LTV is XX%, current DTI is XX, current FICO is XXX/XXX. Condition is invalid, please clear. | 08/17/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-08-24): Client elects to waive. |  |  | 08/24/2021 | 2 B |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Status of property as second home is in question due to distance from primary residence. |  | Distance is 10 min or 3.7 miles away, please clarify the subject as a 2nd home. |  |  |  | Reviewer Comment (2021-09-08): Received LOE on the Second Home Occupancy.<br>Seller Comment (2021-09-08): XX/XX/XX JH: Please review occupancy letter attached. | 09/08/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | 1003 reflects that the property was refinanced, provide documentation to support new payment and existing lien was paid in full. |  |  |  | Reviewer Comment (2021-09-03): Final CD provided Exception Cleared<br>Seller Comment (2021-09-03): XX/XX/XX JH: Please review for clearance, final CD for REO that closed after subject transaction closed. | 09/03/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-07-21): Received Title Supplement with $XXXXX on XX/XX/XX. Condition Cleared<br>Seller Comment (2021-07-16): (XXXXX) upld title supplement. | 07/21/2021 |  |  | 1 B A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - K-1 Less Than 25 Percent | General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. | The K-1 and 1040's for XXXXX were not provided for XXXXX. |  |  |  | Reviewer Comment (2021-09-01): Documentation in file meets guideline requirements for income type.<br>Reviewer Comment (2021-08-27): Comment XX/XX/XX: The tax return extension for XXXXX was provided however there is no documentation of income for XXXXX. The K-1 for XXXXX was not provided and there is no P&L provided for XXXXX and quarterly.<br>Seller Comment (2021-08-26): per our uw, this condition needs to be waived, The borrower is not required to provide the XXXXX income documentation because the XXXXX tax extension Form 4868 was filed. The borrower is less than 25% owner and does not need to file an extension for the K-1 XXXXX.<br>Reviewer Comment (2021-08-26): No income documentation has been provided for XXXXX XXXXX as of XX/XX/XX.<br>Seller Comment (2021-08-25): please advise on status of review.<br>Reviewer Comment (2021-08-02): XX/XX/XX Client to review.<br>Seller Comment (2021-07-29): per our uw, please waive, the borrower is not required to provide the XXXXX income documentation because the XXXXX tax extension Form 4868 was filed. The borrower is less than 25% owner and does not need to file an extension for the K-1 XXXXX.<br>Reviewer Comment (2021-07-27): Need XXXXX K-1/extension for XXXXX.<br>Seller Comment (2021-07-27): the XXXXX extension and proof paid was already provided, i have uploaded it again, please rvw and clear.<br>Reviewer Comment (2021-07-26): XX/XX/XX- Provided K-1 for XXXXX business is for XXXXX, required XXXXX K-1.<br>Seller Comment (2021-07-24): docs provided are most recent, please advise what add'l docs you are asking for.<br>Reviewer Comment (2021-07-23): XX/XX/XX Exception remains. QM requires most recent document.<br>Seller Comment (2021-07-20): All of the XXXXX K-1s are in file marked (less than 25% ownership) and the XXXXX extension is in file with proof paid. | 09/01/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | The tax returns for XXXXX were not provided for self employed income verification. |  |  |  | Reviewer Comment (2021-07-22): Client elects to waive.<br>Seller Comment (2021-07-20): All of the XXXXX K-1s are in file (less than 25% ownership) and the XXXXX extension is in file with proof paid. |  |  | 07/22/2021 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. |  |  |  |  | Reviewer Comment (2021-08-02): XXXXX received PCCD and LOE; exception is cured.<br>Seller Comment (2021-07-26): please rvw and clear. |  | 08/02/2021 |  | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | The Safe Harbor QM discrepancy is due to missing income documentation. |  |  |  | Reviewer Comment (2021-09-01): Loan is SHQM (APOR).<br>Reviewer Comment (2021-08-26): This exception will be cleared once QM exceptions have been cleared.<br>Seller Comment (2021-08-25): XXXXX extension provided in file, please review and clear.<br>Reviewer Comment (2021-07-26): XX/XX/XX - Provided income documents are for XXXXX, require XXXXX documents.<br>Seller Comment (2021-07-24): docs provided are most recent, please advise what add'l docs you are asking for.<br>Reviewer Comment (2021-07-23): Exception remains. QM requires most recent document K-1 due to the application date after XX/XX/XX.<br>Seller Comment (2021-07-20): All of the XXXXX K-1s are in file (less than 25% ownership) and the XXXXX extension is in file with proof paid. | 09/01/2021 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file was missing a copy of the Rate Lock. |  |  |  | Reviewer Comment (2021-07-21): Rate Lock received on XX/XX/XX. Condition Cleared.<br>Seller Comment (2021-07-16): (XXXXX) upld lock | 07/21/2021 |  |  | 1 B A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-08-02): Sufficient Cure Provided At Closing |  | 08/02/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-07-27): Client elects to waive.<br>Reviewer Comment (2021-07-26): Since, client has not provided any response. Exception remain. |  |  | 07/27/2021 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX; XX% of purchase price or purchase of CA property), homeowners insurance ($XXXX) and HOA dues ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-08-09): XXXXX received lender tax calculation w/tax rate supported<br>Seller Comment (2021-07-23): Condition not valid<br>Seller Comment (2021-07-23): TAX CALC: $XXXXX PURCHASE PRICE \* XX% TAX RATE + $XXXX S/A / 12 = $XXXX /MO | 08/09/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Loan Pay-off statement not provided. |  |  |  | Reviewer Comment (2021-08-18): Loan Pay-off statement provided. Exception Cleared | 08/18/2021 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file; Initial / Final CD dated XX/XX/XX is signed & dated XX/XX/XX; closing date is XX/XX/XX. |  |  |  | Reviewer Comment (2021-09-01): XXXXX received the initial CD, exception is cleared.<br>Seller Comment (2021-08-27): dis tracking and initial cd<br>Reviewer Comment (2021-08-26): XXXXX received Disclosure Tracking Details for Initial CD which reflects sent XX/XX/XX. However, the only CD in file is the final CD dated XX/XX/XX and executed on XX/XX/XX. Please provide missing CD related to the disclosure tracking for proper TRID timing testing. | 09/01/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Review and verified Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The difference appears to be the $100 subordination fee. |  |  |  | Reviewer Comment (2021-12-10): SitusAMC received etter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.<br>Seller Comment (2021-12-09): Please see attached RTC and LOX to clear this condition.<br>Reviewer Comment (2021-11-08): SitusAMC received PCCD, copy of refund check LOE and proof of delivery, Copy of RTC still required as a finance charge is a material exception and the transaction is a refinance transaction.<br>Seller Comment (2021-11-04): Please see attached email communication from borrower, confirming receipt of refund check.<br>Reviewer Comment (2021-11-02): Missing proof of delivery for refund check (shipping label, receipt, etc.); exception remains<br>Seller Comment (2021-11-01): Please see attached Letter of Explanation, Proof of Delivery, Refund check and PCCD<br>Reviewer Comment (2021-10-12): Please provide an itemized copy of the fees Lender included in the Finance Charge for comparison to confirm discrepancy; exception remains<br>Seller Comment (2021-10-08): Please provide clarification on what the finance charge on page 5 should be and why a cure is needed? If the fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX (as noted above), then the finance charge on the final CD from XX/XX/XX should be the same ($688,174.77), since no fees changed. The $100 subordination fee was on both the final CD from XX/XX/XX and the CD from XX/XX/XX. Therefore the finance charge as shown on page 5 would be the same, and should be accurate. |  | 12/10/2021 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | 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 B | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $800.00. Sufficient or excess cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $800.00. Cure was provided to borrower. |  |  |  | Reviewer Comment (2021-09-29): Sufficient Cure Provided within 60 Days of Closing |  | 09/29/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement. |  |  |  | Reviewer Comment (2021-08-27): Sufficient assets available. Exception Cleared. | 08/27/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Verification of Safe Harbor QM (APOR) Loan Designation was not provided. |  |  |  | Reviewer Comment (2021-08-27): Received Account Check verifying EMD has been cleared from the bank . Exception Cleared. | 08/27/2021 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement. |  |  |  | Reviewer Comment (2021-08-27): Received Account Check verifying EMD has been cleared from the bank . Exception Cleared. | 08/27/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2021-08-25): Received Fraud Report on XX/XX/XX. Condition Cleared. | 08/25/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing AUS. |  |  |  | Reviewer Comment (2021-08-25): Received AUS on XX/XX/XX. Condition Cleared. | 08/25/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.10370% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $52,030.84 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $50,292.40 (an overage of $1,738.44 or .10370%). |  |  |  |  | Reviewer Comment (2022-11-01): Client reduced testing threshold to .20 rate reduction per point. Exception cleared.<br>Reviewer Comment (2022-01-03): Unable to clear due to length of time since discovery with no cure provided.<br>Reviewer Comment (2021-10-14): Starting rate is 3.125% with -0.104% points paid. Borrower paid 2.912 points to reduce rate to 2.50%, a 0.625% rate reduction 0.625 / 3.016 = .207 rate reduction per point paid. Client requires .2<br> 5 minimum rate reduction per point paid to be considered bona fide. Exception remains.<br>Seller Comment (2021-10-13): See attached points and fees calc | 11/01/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | This loan is considered Non QM due to the coverage amount being nsufficient. |  |  |  | Reviewer Comment (2022-11-01): Client reduced testing threshold to .20 rate reduction per point. Exception cleared.<br>Reviewer Comment (2022-01-03): Unable to clear due to length of time since discovery with no cure provided. | 11/01/2022 |  |  | 1 B A C |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $15,254.40 exceeds tolerance of $14,414.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points last disclosed as $14,414.00 on LE but disclosed as $15,254.40 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $840.40, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-01-12): SitusAMC was provided valid VCC, exception is cleared.<br>Reviewer Comment (2022-01-12): cured in error.<br>Reviewer Comment (2021-10-27): SitusAMC Received PCCD dated XX/XX/XX which is after 60days of discovery date along with LOE, copy of check and Proof of mailing.<br>Seller Comment (2021-10-26): Here is the LOE, Check, CD and Shipping Label for the $840.40 cure for discount points.<br> Thank you<br>Reviewer Comment (2021-10-04): SitusAMC Received COC dated XX/XX/XX which shows the change in Discount point, however the change is shown on CD issued on XX/XX/XX. Please provide CD/LE disclosed within 3 business days after COC date(XX/XX/XX) or Provide COC within 3 days prior to the CD dated XX/XX/XX<br>Seller Comment (2021-10-01): coc | 01/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2021-12-29): Client elects to waive. |  |  | 12/29/2021 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-09-23): CDA document provided on XX/XX/XX has been updated. Exception cleared. | 09/23/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,800.00 exceeds tolerance of $1,500.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1,500 on LE but disclosed as $1,800 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-08-31): Sufficient Cure Provided At Closing |  | 08/31/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclouse Amount of Non-Escrowed Property Costs over Year 1 | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-10-27): LOE & PCCD provided as trailing docs<br>Seller Comment (2021-10-26): Please see attached PCCD and LOE. Correct HOA amount for year 1 is $XXXX ($XXXX per month). |  | 10/27/2021 |  | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | The Hazard Insurance Policy effective date is after the Transaction Date. | Hazard Insurance Policy Effective Date ___, Transaction Date: ___ | Hazard Insurance Policy Effective Date XX/XX/XX, Transaction Date: XX/XX/XX | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower has worked in the same position for more than 3 years. | Compensating factors: XXXX in reserves, 15 years on job and XX% LTV.<br>Compensating factors: XXXX in reserves, 15 years on job and XX% LTV | Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2021-09-24): Compensating factors: XXX in reserves, 15 years on job and XX% LTV. Client has elects to waive..<br>Reviewer Comment (2021-09-14): The Hazard Insurance Binder in the loan file effective date is after the disbursement date listed on the final signed Closing Disclosure. |  |  | 09/24/2021 | 2 C B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | Disclosure is not signed by borrower. |  |  |  | Reviewer Comment (2021-09-14): Received Notice of Special Flood Hazard Disclosure on XX/XX/XX. Exception cleared<br>Seller Comment (2021-09-11): FLOOD DISCLOSURE | 09/14/2021 |  |  | 1 B A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared |  |  |  | Reviewer Comment (2021-09-24): Bona Fide Discount Point calculation provided.<br>Reviewer Comment (2021-09-23): Rate lock sheet provided does not provide the starting rate and price. These two items are needed in order to determine if points are Bona Fide and borrower is receiving at least a .25 rate reduction per point paid. Exception remains.<br>Reviewer Comment (2021-09-14): Please provide the point breakdown and or rate lock confirmation. | 09/24/2021 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.03005% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $30,105.92 on a Federal Total Loan Amount of $XXXX vs. an allowable total of $22,411.06 (an overage of $7,694.86 or 1.03005%). | Missing undiscounted rate and pricing. |  |  |  | Reviewer Comment (2021-09-24): Bona Fide Discount Point calculation provided.<br>Seller Comment (2021-09-23): bone fide worksheet<br>Reviewer Comment (2021-09-20): XX/XX/XX Exception remains. Provide documentation verifying the undiscounted rate and price. The undiscounted rate is the starting rate before pricing adjustments are applied.<br>Reviewer Comment (2021-09-14): Please provide the point breakdown and or rate lock confirmation. | 09/24/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Missing evidence that borrower received disclosure 3 days prior to closing. |  |  |  | Reviewer Comment (2021-09-22): Disclosure Tracking received.<br>Seller Comment (2021-09-11): INITIAL CD | 09/22/2021 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Missing evidence that amended LE was received by borrower at least 4 days prior to closing. |  |  |  | Reviewer Comment (2021-09-20): XX/XX/XX Cleared disclosure summary provided.<br>Seller Comment (2021-09-11): LAST LE | 09/20/2021 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Discrepancy is due to rental income calculation. File does not contain evidence the reported payment included taxes and insurance. |  |  |  | Reviewer Comment (2022-03-01): Client to review. Extension provided.<br>Reviewer Comment (2022-01-19): Once the REO schedule was corrected this was cleared.<br>Seller Comment (2022-01-18): Please see attached UW response<br>Reviewer Comment (2022-01-07): It appears at this time the income documentation needs to be explained on the two income amounts listed for XXXXXand the correct income for the company to be used for qualification. We will then rerun the loan file and clear conditional outstanding or inform you if the income documentation sent is unacceptable.<br>Seller Comment (2022-01-06): Will you please confirm that the file has been reviewed completely and at this point in time the most recent request for evidence to support the additional $6,117.76 for XXXXX is all that is needed?<br>Reviewer Comment (2022-01-05): Reviewing the revised 1003 provided on XX/XX/XX it reflects the Borrowers income as $XXXX for XXXXX, a loss of $XXXX for XXXXX. However, there is an additional $XXXX and for XXXXX. There is no indication within the loan file that the additional $XXXX should be added to the previous $XXXX for XXXXX. The DTI has exceeded the allowed XX%. Please provide evidence of the additional $XXXX for XXXXX.<br>Seller Comment (2022-01-04): Please see attached docs for XXXXX<br>Reviewer Comment (2021-12-14): Need verification of payment for XXXXX. The payment on the Final 1003 only reflects $XXXX and the calculated payment with taxes and insurance is $XXXX. Need mortgage statement to verify if payment includes escrows - exception remains<br>Seller Comment (2021-12-14): Please see attached credit supp that was provided in the bundle that verifies the mortgage amount of XXXXX<br>Reviewer Comment (2021-12-07): Received LOE for this property #XXXXX, As per LOE document mortgage payment is $XXXX so kindly provide the supporting document (Mortgage statement or credit supplement) to verify the $XXXX, Exception Remains<br>Seller Comment (2021-12-06): Please see attached UW explanation of calculations in response to the condition.<br>Reviewer Comment (2021-11-30): The 1003 reflects rental income of $XXXX for the Property located at XXXXX. However, the calculated rental income is $XXXX.The difference is caused by the 1003 reflects the PITI payment of $XXXX and there is no evidence that this was escrowed.<br>Seller Comment (2021-11-29): Condition advises file did not contain evidence the reported payment included taxes and insurance. Will you please provide clarification and specify which property is being referenced? | 01/19/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. | This is a fail due to the DTI exceeding allowance |  |  |  | Reviewer Comment (2022-01-20): Indexed Balance sheet - this cleared the exception<br>Seller Comment (2022-01-18): Please see attached UW response<br>Reviewer Comment (2022-01-05): Reviewing the revised 1003 provided on XX/XX/XX it reflects the Borrowers income as $XXXX for XXXXX, a loss of $XXXX for XXXXX. However, there is an additional $XXXX and for XXXXX. There is no indication within the loan file that the additional $XXXX should be added to the previous $XXXX for XXXXX. The DTI has exceeded the allowed XX%. Please provide evidence of the additional $XXXX for XXXXX. | 01/20/2022 |  |  | 1 B A C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $5,703.00 exceeds tolerance of $310.00 plus 10% or $341.00. Sufficient or excess cure was provided to the borrower at Closing. | In the Final Closing Disclosures (document 236), the amount of $5, 703.00 exceeds the initial amount of $310.00 |  |  |  | Reviewer Comment (2021-11-18): Sufficient Cure Provided At Closing |  | 11/18/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | 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 1, 4, 6, or 11) | Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) Notice provided on an exempt transaction (no new money being extended on a same lender refinance). | The Notice of Right to Cancel (documents 238, 239, 240 and 241) reflect that an H-8 for was used instead of an H-9 to indicate a similar lender for this refinance transaction |  |  |  |  |  |  | 11/18/2021 | 2 A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The guidelines require a 60 day verification. The loan file is missing the statement for XXXXX. File contains a statements dated XX/XX/XX to XX/XX/XX and then XX/XX/XX. The two most recent consecutive months are are required. |  |  |  | Reviewer Comment (2021-11-30): The additional Bank Statement has been provided.<br>Seller Comment (2021-11-29): Please see attached june & july statements | 11/30/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency | Qualified Mortgage (Dodd-Frank XXXXX): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A business return extension was provided for XXXXX but a personal return extension is also required and was not provided. |  |  |  | Reviewer Comment (2022-03-03): Client elects to waive.<br>Reviewer Comment (2022-03-01): Client to review. Extension provided.<br>Seller Comment (2022-02-28): Please see attached personal tax return extension.<br>Reviewer Comment (2022-01-26): Personal return extension (Form 4868) required for XXXXX.<br>Seller Comment (2022-01-25): Will you please provide an ETA for this condition to be cleared/cancelled/waived? |  |  | 03/03/2022 | 2 B |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | HELOC was not provided for 2nd lien through XXXXX |  |  |  | Reviewer Comment (2021-09-22): Document provided XX/XX/XX.<br>Seller Comment (2021-09-21): XX/XX/XX AMB: Please rescind. Please see the attached documentation from XXXXX.<br>Reviewer Comment (2021-09-02): Please provide HELOC for 2nd lien. Exception remains. | 09/22/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $25,720.00. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2021-09-20): XX/XX/XX - Received updated Hazard Insurance Policy and Replacement Cost Estimator, Exception cleared.<br>Seller Comment (2021-09-20): XX/XX/XX AMB: Please rescind. See attached documentation showing the insurance renewal policy with the additional insurance for coverage A (dwelling). The original dwelling amount of XXXXX plus the additional coverage of 50% above dwelling equals XXXXX in total dwelling coverage for the property. Furthermore, we have a replacement cost estimator on file showing an estimated reconstruction cost of XXXXX. The total dwelling coverage amount is greater than both the loan amount and the estimated reconstruction cost.<br>Reviewer Comment (2021-09-02): Please provide Hazard insurance with sufficient coverage amount. Exception remains. | 09/20/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $1,147,800.00 of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-09-02): Received Final Title policy with sufficient policy amount. Exception cleared.<br>Seller Comment (2021-09-02): Uploaded FTP | 09/02/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2021-09-02): Received Final Title policy with sufficient policy amount. Exception cleared. | 09/02/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $1,147,800.00 is less than the note amount of XXXXX based on the Commitment in file. |  |  |  | Reviewer Comment (2021-09-02): Received Final Title policy with sufficient policy amount. Exception cleared. | 09/02/2021 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA Verification missing for XXXXX was not provided |  |  |  | Reviewer Comment (2021-09-23): Received HOA Verification statement and 1040 also shows HOA with additional property expenses. Exception cleared.<br>Seller Comment (2021-09-23): XX/XX/XX AMB: Please rescind. The property at XXXXX is also being used for rental income on the file, which was calculated from the borrower's tax returns. Consequently, the 1003 shows a higher amount for the REO PITIa because it's taking into account the additional expenses for the property listed on the tax returns outside of just the HOI, taxes and HOA dues. Please see the attached document showing Schedule E, this lists all the expenses for the property. If you add up the remaining expenses that were not added back into the rental income calculation, they total out to be $662.17 a month, which is the amount leftover on the final 1003 after you subtract the taxes, insurance and HOA dues.<br>Reviewer Comment (2021-09-21): HOA is received for property XXXXX but PITIA is not matching with final 1003, please clarify the same hence exception remains<br>Seller Comment (2021-09-20): XX/XX/XX AMB: Please rescind. See the attached statement from the Homeowner's Association tied to the property at XXXXX. This confirms the property address and shows the dues being assessed monthly in the amount of $299.00.<br>Reviewer Comment (2021-09-02): HOA Verification missing for XXXXX. Exception remains. | 09/23/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $52.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-08-25): Sufficient Cure Provided At Closing |  | 08/25/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (2021-09-09): Utilized 1008 as Approval, this exception is cleared | 09/09/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2021-09-09): 1008 is provided, exception cleared<br>Seller Comment (2021-09-08): 1008 attached | 09/09/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Verified annual Property Costs include: Homeowners Insurance $XXXX and Property Tax $XXXX, totaling $XXXX. The Final Closing Disclosure reflects $XXXX. Need Letter of Explanation & Corrected Closing Disclosure. |  |  |  | Reviewer Comment (2021-09-22): XXXXX received PCCD and LOE; exception is cured.<br>Seller Comment (2021-09-17): No PCCD should be needed due to the fact that this is an ESTIMATED AMOUNT. This is not something we can get exact unfortunately. <br> HOMEOWNERS INSURANCE: XXXX/12= $XXXX/Month <br> PROPERTY TAX: XXXXX/Month<br>The system does not allow us to adjust this number and therefor it is disclosed as an "ESTIMATED" on both page 1 and page 4. <br> This cannot be corrected to show the exact number of: <br>XXXXX<br>Reviewer Comment (2021-09-15): XX/XX/XX Exception remains. Amount on page 4 is correct but amount on page one was not corrected accordingly.<br>Seller Comment (2021-09-09): PCCD attached |  | 09/22/2021 |  | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. | The Borrower had an employment gap from XX/XX/XX to XX/XX/XX, no letter of explanation letter was provided. |  |  |  | Reviewer Comment (2021-09-09): LOE regarding job gap provided. Exception cleared.<br>Seller Comment (2021-09-08): LOE attached | 09/09/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | 0% tolerance was exceeded by $150 due to increase of Appraisal fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $150, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-09-10): Sufficient Cure Provided At Closing |  | 09/10/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2021-10-13): Desk review provided. Exception cleared.<br>Reviewer Comment (2021-09-30): As per deal notes XXXXX does an internal Desk Review. This should not be entered as a secondary valuation. exception remains .<br>Seller Comment (2021-09-28): Please see Desk review and Appraisal | 10/13/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Tax verification was not provided for XXXXX |  |  |  | Reviewer Comment (2021-09-27): Received tax certificate, Exception cleared.<br>Seller Comment (2021-09-24): Please see tax info | 09/27/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Documentation verifying HOA dues was not provided for XXXXX |  |  |  | Reviewer Comment (2021-09-27): Received HOA document, Exception cleared.<br>Seller Comment (2021-09-24): Please see HOA info | 09/27/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Documentation verifying HOA dues was not provided for XXXXX |  |  |  | Reviewer Comment (2021-09-28): Received supporting documentation for HOA. Exception cleared.<br>Seller Comment (2021-09-27): Please see attached<br>Reviewer Comment (2021-09-27): For the property " XXXXX " received HOA document does not confirm the property address and payment frequency, exception remains.<br>Seller Comment (2021-09-24): Please see HOA info | 09/28/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2021-10-07): Recently received Secondary valuation i.e XXXXX & same has been associated in clarity along with details updated in Valuation screen, hence Exception cleared.<br>Reviewer Comment (2021-10-05): Valuation Received - XX/XX/XX | 10/07/2021 |  |  | 1 A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $158.42 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $100.00 on LE but disclosed as $158,42.00 on Final Closing Disclosure. A $58.42 Lender credit for increase in Closing Costs is applied at close. |  |  |  | Reviewer Comment (2021-10-08): Sufficient Cure Provided At Closing |  | 10/08/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Final Closing Disclosure reflects Date Issued XX/XX/XX, Closing Date XX/XX/XX, Signature Date is also XX/XX/XX. |  |  |  | Reviewer Comment (2021-10-26): provided as a trailing doc<br>Seller Comment (2021-10-25): Closing Disclosure sent to borrower on XX/XX/XX and viewed by borrower on XX/XX/XX per edisclosures, see attached for proof of delivery. Initial CD date of XX/XX/XX is at least 3 days prior to closing. | 10/26/2021 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The cash from borrower of $XXXXX is greater than the entered qualifying asset of $XXXX. Assets verified are $XXXX Funds from sale of previous property, $XXXX from XXXXX checking, and $XXXX Earnest money deposit. Total = $XXXX, Funds Required = $XXXX. |  |  |  | Reviewer Comment (2021-12-09): Additional EMD provided.<br>Reviewer Comment (2021-12-07): Require Cash From Borrower $XXXX, Received additional asset statement provided for account #XXXXX is for one month only. Additional 1-month bank statement required along with additional assets to cover Cash From Borrower $XXXX to clear this exception. Exception Remains<br>Seller Comment (2021-12-06): Please advise - why are additional assets still needed? The Wire transfer and bank details showing additional funds of $XXXX was provided. This amount added to the total calculated amount from the condition of $XXXX, equals $XXXX. This is more than the required funds of $XXXX. Please clarify exactly what is needed in order to clear this condition.<br>Reviewer Comment (2021-12-06): Additional asset statement provided for account #XXXXX is for one month only. Additional 1-month bank statement required along with additional assets to cover Cash From Borrower $XXXX. Exception remains.<br>Seller Comment (2021-12-03): Please see attached bank statement showing wire transfer<br>Reviewer Comment (2021-11-03): Exception remains. Wire transfer document not showing bank details. Need actual wire transfer document showing bank name and details.<br>Seller Comment (2021-11-02): Please see additional wire transfer from the borrower to the settlement agent to show sufficient assets. | 12/09/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | The file was missing a copy of credit report. The credit report provided is illegible. |  |  |  | Reviewer Comment (2021-10-28): Received credit report dated XX/XX/XX. FICO scores, tradelines credit and housing history updated and document associated. Exception cleared.<br>Seller Comment (2021-10-27): Credit Report attached. | 10/28/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-03): Received XXXXXXXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared. | 11/03/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2021-11-03): Received XXXXXXXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.<br>Reviewer Comment (2021-11-02): Valuation Received - XX/XX/XX | 11/03/2021 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | The loan resulted in a cash out refinance. The guidelines required a credit score of 700 when the loan amount was greater than $1,000,000. | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Compensating Factors: include DTI under XX%, XX% LTV, monthly savings of $XXXX/month and XX months of reserves.<br>Compensating Factors: include DTI under XX%, XX% LTV, monthly savings of $XXXX/month and XX months of reserves.<br>Compensating Factors: include DTI under XX%, XX% LTV, monthly savings of $XXXX/month and XX months of reserves. | Aggregator,SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2021-11-05): Compensating Factors: include DTI under XX%, XX% LTV, monthly savings of $XXX/month and XX months of reserves. Client elects to waive. |  |  | 11/05/2021 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2021-10-20): Undiscounted rate verified.<br>Seller Comment (2021-10-15): we are exclude bona fide discount points so that we are under the 3% threshold | 10/20/2021 |  |  | 1 B A C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.41676% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $24,727.73 on a Federal Total Loan Amount of $XXXX vs. an allowable total of $21,711.55 (an overage of $3,016.18 or .41676%). | Loan discount points may be removed with evidence of the undiscounted rate and undiscounted rate price. |  |  |  | Reviewer Comment (2021-10-20): Undiscounted rate verified.<br>Seller Comment (2021-10-15): we are exclude bona fide discount points so that we are under the 3% threshold | 10/20/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2021-06-14): Appraisal provided. | 06/14/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2021-06-14): Provided. | 06/14/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2021-06-16): Cleared | 06/16/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Rate Lock required. |  |  |  | Reviewer Comment (2021-06-14): Provided. | 06/14/2021 |  |  | 1 B A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank XXXXX): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | Reviewer Comment (2021-06-16): Cleared | 06/16/2021 |  |  | 1 B A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Counseling Agencies Disclosure Not in File | XXXXX HB1399 - No evidence of counseling agencies list per XXXXX HB 1399. |  |  |  |  | Reviewer Comment (2021-06-16): Cleared | 06/16/2021 |  |  | 1 B A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $525.00. Insufficient or no cure was provided to the borrower. | Insufficient or no cure was provided to the borrower for the increase in the Appraisal fee by $775. Provide VCC or cure to the borrower. |  |  |  | Reviewer Comment (2021-06-16): XXXXX received changed circumstance. | 06/16/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing transaction documentation for the large deposit of XXXXX on XX/XX/XX into account XXXXX. |  |  |  | Reviewer Comment (2021-06-14): Provided. | 06/14/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2021-06-14): Provided. | 06/14/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-03): XXXXX valuation received, Exception Cleared. | 11/03/2021 |  |  | 1 D A |  | XX | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2021-11-03): XXXXX document received<br>Reviewer Comment (2021-11-02): Valuation Received - XX/XX/XX | 11/03/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-10-04): Received Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value of $XXX, value supported. hence, Exception cleared. | 10/04/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement missing |  |  |  | Reviewer Comment (2021-10-08): Credit report in the file to verify the P&I for XXXXX. Condition Cleared.<br>Seller Comment (2021-10-07): XX/XX/XX DS: Please clear condition as P&I is documented on the credit report, taxes, insurance and HOA dues also included into DTI. The mortgage statement is not required. Please provide DU guideline that states this is a requirement.<br>Reviewer Comment (2021-10-06): Received Credit report and Verified XXXXX Payment, and Received Tax, Ins, HOA Documents. As per Guidelines Require Mortgage Statement for XXXXX. Exception Remains<br>Seller Comment (2021-10-05): XX/XX/XX DS: Please see attached credit report for borrower showing XXXXX P&I payment is $1455 per month. See attached HOI, taxes and HOA. Please note insurance for XXXXX shows XXXXX loan # ending in XXXXX matches the credit report ending account number. | 10/08/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2021-10-04): Received Clear Capital Desk Review dated XX/XX/XX with a value of $XXXX, which gives 0.00% variance from the Appraised value of $XXXX, value supported. Hence, Exception cleared.<br>Reviewer Comment (2021-09-30): Valuation Received - XX/XX/XX | 10/04/2021 |  |  | 1 A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | Based on the application date more recent tax returns could have been available. A XXXXX personal and business extension was provided. |  |  |  | Reviewer Comment (2022-01-05): Client elects to waive.<br>Reviewer Comment (2021-12-30): Client to review. Extensions provided. |  |  | 01/05/2022 | 2 B |  | XX | Primary | Refinance - Rate/Term | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | No documentation found in file for $888.42 income loss calculated by lender. Tax returns and transcripts were not provided so unable to determine source of loss. Approval in file references Schedule C. |  |  |  | Reviewer Comment (2021-12-13): Received the complete signed and dated 1040s from XXXXX and XXXXX and verified that the loss is from Schedule C. Condition cleared.<br>Seller Comment (2021-12-10): please note you already have the signature pages<br>Seller Comment (2021-12-10): tax returns<br>Reviewer Comment (2021-12-09): Please upload the complete 1040s for XXXXX and XXXXX. We only received the signature pages.<br>Seller Comment (2021-12-08): I'm not sure why that figure remained in the file as we are only qualifying salaried income but I've attached XXXXX & XXXXX tax returns so evidence the Sched C loss. | 12/13/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. <br> Only the CD dated XX/XX/XX was in the file. It appears that there are missing CDs according to the Changed Circumstances forms and Disclosure Summary. |  |  |  | Reviewer Comment (2021-12-08): provided as trailing docs<br>Seller Comment (2021-12-08): LE and CD | XX/XX/XX021 11:51:37 AM |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,904.60 exceeds tolerance of $2,892.00. Insufficient or no cure was provided to the borrower. | Transfer tax Fee was last disclosed as $2,796.00 on LE but disclosed as $2,904.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $108.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-21): XXXXX received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund check.<br>Seller Comment (2021-12-21): proof sent<br>Reviewer Comment (2021-12-17): XXXXX has received corrected PCCD, copy of refund check, proof of mailing and LOE to borrower. However, as per tracking ID it seems that the package has not yet been picked up for shipping. Exception will be cured once the package is shipped or out for delivery.<br>Seller Comment (2021-12-16): ck, lox,pccd, and lox<br>Reviewer Comment (2021-12-10): The final CD reflected a $25 increase in the appraisal fee and a $12.60 increase in the transfer tax; these items totaled $212.60. Cure provided for $202.90; balance remaining $10. Provide PCCD, LOE & copy of check to Borrower; exception remains.<br>Seller Comment (2021-12-10): my apologies lender credit given at closing<br>Reviewer Comment (2021-12-10): XXXXX received COC stating " Transfer and Intangible taxes increased. The Exam and Settlement fee decreased", is not a valid reason. Please provide a valid COC in order to clear the exception.<br>Seller Comment (2021-12-10): coc |  | 12/21/2021 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Re Inspection Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $175.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-10): XXXXX received sufficient cure at closing.<br>Seller Comment (2021-12-10): cure given at closing | 12/10/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $775.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $775.00 on LE but disclosed as $800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $25.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-10): XXXXX received sufficient cure at closing.<br>Seller Comment (2021-12-10): cure given at closing | 12/10/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,153.90 exceeds tolerance of $2,806.00 plus 10% or $3,086.60. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $67.30 due to increase fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $67.30, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-08): provided as a trailing doc | XX/XX/XX021 11:55:02 AM |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $151.00 exceeds tolerance of $136.00 plus 10% or $149.60. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $1.40 due to addition of Endorsement, Appraiser fees and credit report fees. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2021-10-26): Sufficient Cure Provided At Closing |  | 10/26/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $550.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $550.00 on LE but disclosed as $625.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-10-26): Sufficient Cure Provided At Closing |  | 10/26/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $50.00 exceeds tolerance of $44.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee was last disclosed as $44.00 on LE but disclosed as $50.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-10-26): Sufficient Cure Provided At Closing |  | 10/26/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | Please provide a CD with the lenders contact information completed. |  |  |  | Reviewer Comment (2021-09-28): Wholesale file not required<br>Seller Comment (2021-09-27): Please clear, lender contact info not required on wholesale transactions per SFA TRID grid. XXXXX is a wholesale lender and would not be the primary point of contact for the borrower, this is specifically not required of wholesale lenders. As a wholesale lender, XXXXX team members are not licensed, nor regulated on an individual basis. Per 1026.38(r)(4), the broker would be considered the "the natural person who is the primary contact for the consumer", not an individual at XXXXX. Per TILA Comment 1026.37(k)-3 the contact information is for the primary borrower contact on the loan which would be the broker. Section 1026.37(k)(2) requires the disclosure of the name and NMLSR ID of the person who is the primary contact for the consumer, labeled "Loan Officer." The loan officer is generally the natural person employed by the creditor or mortgage broker disclosed under §1026.37(k)(1) who interacts most frequently with the consumer and who has an NMLSR ID or, if none, a license number or other unique identifier to be disclosed under §1026.37(k)(2), as applicable. | 09/28/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2021-09-28): XX/XX/XX - Final Title provided, Exception Cleared | 09/28/2021 |  |  | 1 A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP). Fee Amount of $7,301.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation Fee was last disclosed as $0.00 on LE but disclosed as $7,301.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $7,301, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-09-28): XXXXX has received valid COC, for increase in fee.<br>Seller Comment (2021-09-27): DC XX/XX/XX Disagree. Please see attached CofC for a borrower request switch from lender to borrower paid compensation. | 09/28/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | Preliminary Title Policy does not indicate the Policy Amount. |  |  |  | Reviewer Comment (2021-09-28): Final Title provided, exception cleared<br>Seller Comment (2021-09-27): Uploaded FTP | 09/28/2021 |  |  | 1 B A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2021-11-05): Received 1008 for file. Exception cleared.<br>Seller Comment (2021-11-04): XX/XX/XX MAZ Please rescind, see attached underwriting transmittal. | 11/05/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $57.00 exceeds tolerance of $50.00 plus 10% or $55.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $55.00 due to increase of tax service fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-03): Sufficient Cure Provided At Closing |  | 12/03/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,035.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $900.00 on LE but disclosed as $1035.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $135.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-03): Sufficient Cure Provided At Closing |  | 12/03/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $51.90 exceeds tolerance of $45.00. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $51.90 exceeds tolerance of $45.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2021-10-29): Sufficient Cure Provided At Closing |  | 10/29/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Earnest Money Deposit is unsourced. Per guidelines EMD source is required. |  | Missing souring of EMD $180,000.00 |  |  |  | Reviewer Comment (2021-12-02): Verified trust document to confirm access to trust funds. Exception cleared.<br>Seller Comment (2021-11-30): XX/XX/XX JH: The trust documents were delivered in the loan file and clearly verify the borrower's access to the funds. The borrower is also listed by name as trustee on the asset statement, which verifies her access to the funds. Please clear this exception.<br>Reviewer Comment (2021-11-30): Evidence of access to trust funds missing. No additional documents for EMD are required. Exception remains.<br>Seller Comment (2021-11-29): Situs AMC XX/XX/XX MWM Please escalate to internal leadership and Rescind. EMD was not used to meet requirement for minimum borrower contribution. Per guidelines EMD does not need to clear account and borrower document sufficient funds<br>Reviewer Comment (2021-11-24): Borrower full fund received from retirement statement , As per guideline receipt of funds is required when used for the down payment so kindly provide cancelled check/ wire transfer, Exception Remains<br>Seller Comment (2021-11-23): Situs AMC XX/XX/XX MWM Please Rescind. EMD clearance is not required to be documented as borrower has over $XXXX in documented assets after subtracting EMD. Cash to close $XXXX + Reserves $XXXX + EMD $XXXX = $XXX. There is no requirement to source EMD if borrower has documented funds to cover cash to close + EMD<br>Reviewer Comment (2021-11-17): Provide anyone for the below document to confirm the EMD sourced and closing agent received EMD amount .1. canceled check 2. wire transfer 3. deposit receipt. The provided guideline reflects minimum borrower contribution is not required but still required confirmation closing agent received an EMD amount of $XXXX. Exception remains<br>Seller Comment (2021-11-16): Situs AMC XX/XX/XX MWM Please Rescind. Guidelines indicate the EMD only needs to be sourced if it is part of the borrower's minimum contribution requirement. Per attached guidelines there is no minimum borrower contribution for this transaction<br>Reviewer Comment (2021-11-12): FNMA: If the deposit is being used as part of the borrower's minimum contribution requirement, the lender must verify that the funds are from an acceptable source, exception remains.<br>Seller Comment (2021-11-12): Situs AMC XX/XX/XX MWM Please Rescind. EMD only needs to be sourced if it is the deposit is being used as part of the borrower's minimum contribution requirement | 12/02/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Hazard Dec Page not provided |  | Need dec page showing effective date for 1 year, policy in file reflects 0XX/XX/XX - 0XX/XX/XX. |  |  |  | Reviewer Comment (2021-11-12): Paid full year up front on final CD.<br>Seller Comment (2021-11-12): Situs AMC XX/XX/XX MWM Please Rescind. Per Invoice provided Policy is an annual policy | 11/12/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | 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 1, 4, 6, or 11) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. (The property state is in the 1st, 4th, 6th, or 11th circuit.) | Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is the same as originating lender.<br>Changed to "Same Lender" as "No". Title Commitment reflects XXXXX and the new lender is XXXXX. XXXXX is a division of XXXXX |  |  |  |  |  |  | 10/01/2021 | 2 A |  | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail due to insufficient Rental Income information - missing Lease Agreement. |  |  |  | Reviewer Comment (2021-11-11): Received Lease agreement on XX/XX/XX, Exception Cleared<br>Seller Comment (2021-11-09): Lease | 11/11/2021 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-18): Received Clear Capital CDA dated XX/XX/XX with the value of $XXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.<br>Seller Comment (2021-11-17): CDA<br>Reviewer Comment (2021-11-11): Missing secondary valuation , Exception Remains<br>Seller Comment (2021-11-09): Compliance report | 11/18/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file was missing required asset verification. |  |  |  | Reviewer Comment (2021-11-12): Exception cleared<br>Seller Comment (2021-11-12): XXXXX accounts<br>Reviewer Comment (2021-11-11): As per final 1003 XXXX distribution account showing balance is $XXXX, kindly provide sufficient document for this account, Exception Remains<br>Seller Comment (2021-11-09): Assets | 11/12/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | The file was missing the lease agreement. |  |  |  | Reviewer Comment (2021-11-11): Received Lease agreement on XX/XX/XX, Exception Cleared<br>Seller Comment (2021-11-09): Lease | 11/11/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification of the Borrowers income performed no more than 10 days prior to close is not included. |  |  |  | Reviewer Comment (2021-11-29): Received VVOE of borrower Janet Marie Neilson dated XX/XX/XX which is 10 days prior to Note Date, associated the document. Exception cleared.<br>Seller Comment (2021-11-24): XX/XX/XX JH: Please rescind. The VVOE was obtained on XX/XX/XX, which is 9 business days prior to the note date of XX/XX/XX. | 11/29/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide HOA verification and tax verification on the Borrowers investment property on XXXX. |  |  |  | Reviewer Comment (2021-11-29): Received tax certificate and along with fully executed final CD which shows that there is no HOA on the said property, verified and associated documents. Exception cleared.<br>Seller Comment (2021-11-24): XX/XX/XX JH: Please rescind. The tax information for the REO was delivered in the loan package. The REO is a SFR which does not require HOA dues, as verified by the final CD for the REO also delivered in the loan package. | 11/29/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-24): Received Desk Review Report dated XX/XX/XX with value of XXXX with variance of 0.00% , verified and associated the document. Exception cleared. | 11/24/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2021-11-24): Received Desk Review Report dated XX/XX/XX with value of XXXX with variance of 0.00% , verified and associated the document. Exception cleared.<br>Reviewer Comment (2021-11-22): Valuation Received - XX/XX/XX | 11/24/2021 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-24): As per UCDP Collateral Underwriter score is 1, hence secondary valuation is not required. Exception Cleared.<br>Seller Comment (2021-11-22): UCDP SSR | 11/24/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified; however, bank statements were not found in the file. |  |  |  | Reviewer Comment (2021-11-24): Recently received Bank Statement & same has been associated in XXXXX along with details updated in Assets screen, hence Exception Clear.<br>Seller Comment (2021-11-22): BANK AND IRA STATEMENTS | 11/24/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2021-11-09): Received UCDP Submission Summary Report and Collateral Underwriter Risk Score is 1. Hence, secondary valuation is not required. Exception cleared.<br>Seller Comment (2021-11-08): UCCDP<br>Reviewer Comment (2021-10-26): Collateral Underwriter Score is not provided in the UCDP Submission Summary Report existing in file. Please provide UCDP Submission Summary Report evidencing the CU score is less than 2.5, or provide secondary valuation. Exception remains.<br>Seller Comment (2021-10-23): Per U/W , the suspense on this is invalid. CU Score is 1 and the loan amount is XXXX MM | 11/09/2021 |  |  | 1 D A |  | XX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Designation not obtained due to unsigned returns. |  |  |  | Reviewer Comment (2021-10-15): SHQM | 10/15/2021 |  |  | 1 B A C |  | XX | Second Home | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-10-20): Client elects to waive |  |  | 10/20/2021 | 2 B |  | XX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2021-10-25): Received AUS on XX/XX/XX, Exception Cleared | 10/25/2021 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Asset documents not provided |  |  |  | Reviewer Comment (2021-10-28): Received bank statement to meet the closing requirement. Exception cleared.<br>Reviewer Comment (2021-10-26): As per AUS, Funds required to Close is $XXXXX and we do not have any bank statements in file to document and to qualify Assets towards closing. There are multiple bank accounts in Final 1003. Please provide us the same to clear the condition. Exception remains.<br>Seller Comment (2021-10-23): Per U/W the short funds condition is invalid. The final CD reflects funds t oclose of $XXXXX and DU required $XXXXX in reserves for a total of $ XXXXX We verified $XXXXX. There is no shortfall | 10/28/2021 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Verification of the tax expense on the noted REO was not provided. |  |  |  | Reviewer Comment (2021-10-26): Mortgage statement received, reflecting P&I amount escrowed, so not required any separate tax cert. Doc associated. Exception cleared. | 10/26/2021 |  |  | 1 C A |  | XX | Second Home | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | No REO documentation was provided for the investment property. Lender to provide a mortgage statement, tax and HOA verification. |  |  |  | Reviewer Comment (2021-10-22): Received Mortgage statement, Tax cert, HOA documents for XXXXX verified the details and associated the documents. Exception Cleared | 10/22/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file was missing the bank statements supporting XXXXX that was used in qualification. |  |  |  | Reviewer Comment (2021-10-22): Documents provided XX/XX/XX. Exception cleared XX/XX/XX. | 10/22/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The initial CD was not signed and dated to determine if provided timely. |  |  |  | Reviewer Comment (2021-11-12): XXXXX received proof of earlier receipt<br>Seller Comment (2021-11-11): DISCLOSURE TRACKING | 11/12/2021 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets provided to verify funds to close and reserves. |  |  |  | Reviewer Comment (2021-10-22): Documents provided XX/XX/XX. Exception cleared XX/XX/XX. | 10/22/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $837.76 exceeds tolerance of $821.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2021-10-07): Sufficient Cure Provided At Closing |  | 10/07/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $259.60 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2021-10-07): Sufficient Cure Provided At Closing |  | 10/07/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The mortgage statement, tax and insurance information for the properties at XXXXX, XXXXX and XXXXX were not found in the file. The mortgage statement and insurance information were not found in the file for the property at XXXXX and the mortgage statements were not found in the file for the properties at XXXXX and XXXXX. |  |  |  | Reviewer Comment (2021-12-09): Statements were provided.<br>Reviewer Comment (2021-11-30): Provide Mortgage statement (for XXXXX, XXXXX, XXXXX, XXXXX,XXXXX, XXXXX) Exception remains.<br>Seller Comment (2021-11-29): (XXXXX) Payment history reports list the property names under "Description of Property" on page one of each report (bottom right).<br>Reviewer Comment (2021-11-23): Received tax and insurance information. Still need the mortgage statements. There were printouts of payment history reports provided but the property address was not reflected on them. | 12/09/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $175.00 exceeds tolerance of $152.00 plus 10% or $167.20. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $23.00 due to addition of Recording fees. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-15): Sufficient Cure Provided At Closing |  | 12/15/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-23): Received CDA Reviewed for Secondary Valuation for subject property updated the details. Exception Cleared | 11/23/2021 |  |  | 1 D A |  | XX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $180,431.20. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2021-11-19): Received Replacement Cost Estimator for the amount of $XXXX and document associated. Shortfall covered. Hence, exception cleared.<br>Seller Comment (2021-11-18): Situs AMC-XX/XX/XX JGS. Please rescind. The document can be tied to the insurance policy since all the values match the policy exactly.<br>Reviewer Comment (2021-11-17): Provided document doesn't confirm Policy number, property address etc. Please provide RCE for the subject property. Exception remains.<br>Seller Comment (2021-11-16): Situs AMC-XX/XX/XX JGS. Please rescind. Please find attached the Replacement Cost Estimator stating the replacement cost for this property is $XXXX which matches the dwelling coverage we have on file. This is sufficient coverage.<br>Seller Comment (2021-11-16): HOI RCE | 11/19/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified. Provide a revised appraisal correcting the client. |  |  |  | Reviewer Comment (2022-06-08): Appraisal transfer letter is in file.<br>Reviewer Comment (2022-06-08): re-openeing to clear versus waive: appraisal transfer letter provided.<br>Reviewer Comment (2021-10-26): Client elects to waive. | 06/08/2022 |  |  | 1 B A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Missing tax rate to confirm monthly taxes of $1,026.73, if taxes are higher DTI will be affected. |  |  |  | Reviewer Comment (2021-11-16): Received Tax certificate considered Tax rate as XX on purchase price of $XXX hence monthly Tax month = XXXX and matches with AUS hence Exception cleared.<br>Seller Comment (2021-11-15): XX/XX/XX: Please rescind, the borrower is being qualified using a more conservative tax amount of the XX tax rate per request. This tax amount is more conservative and the loan is approvable per AUS. The already provided 1008 and AUS shows that the loan is valid for prime jumbo guidelines.<br>Reviewer Comment (2021-11-15): As per the tax certificate provided, the tax rate is XX and purchase price $XXXX and there are additional special assessment taxes of $XXXX. So the total annual tax will be $XXXX and monthly taxes amount is $XXXX/12=$XXXX. Please provide updated 1008 and AUS to support this tax amount. Exception remains.<br>Seller Comment (2021-11-12): XX/XX/XX CBB see attached 1008 and AUS with XX rate<br>Reviewer Comment (2021-11-11): For this file is Purchase transaction and CA State always consider XX% but as per 1008 Document Tax amount is XXXX, However Please provide the Tax rate to confirm the monthly taxes. Exception remains.<br>Seller Comment (2021-11-10): XX/XX/XX CBB see attached 1008 and aus<br>Reviewer Comment (2021-11-10): Received 1008 and AUS ,tax amount is as per AUS $XXXXX and DTI is XX% , As per 1008,DTI is XX% and tax amount is XXXX,however DTI is goin to increase if tax amount is $XXXX as per below shown calculation. , hence kindly provide updated 1008 & AUS as per new tax amount. Exception remains.<br>Seller Comment (2021-11-09): XX/XX/XX CBB see attached 1008 and AUS<br>Reviewer Comment (2021-11-09): The tax rate is XX and the purchase price $XXXX which makes the taxes to be $XXXX. However, as per tax cert, there are additional special assessment taxes of $XXXX. Thus total monthly taxes is $XXXX/12=$XXXX instead of $XXXX. And thus DTI exceeds the limit of XX%. Need updated 1008 and AUS to support eligibility of loan. Exception remains.<br>Seller Comment (2021-11-08): XX/XX/XX CBB see attached tax cert with MILAGE RATE. we used the MILAGE RATE which is acceptable and there is no concern with the hypothetical of taxes rasing as we used the correct and pertinent information to come to the rate. Please clear this condition as the necessary documentation was provided.<br>Reviewer Comment (2021-11-03): UW has considered $XXXX and received in tax certificate $XXXX Quaterly. If considered as per Tax document, DTI will increase more than XX%, hence required updated or correct AUS document with DTI ratio. Please provide hence Exception remains<br>Seller Comment (2021-11-02): XX/XX/XX CBB see attached title with tax cert inside of it. we used a more conservative approach with this file so there is no concern with the taxes. | 11/16/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% moderately exceed the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (2021-11-16): Reduced DTI to XX% as tax amount updated as per AUS hence Exception cleared.<br>Seller Comment (2021-11-15): XX/XX/XX - MJP: Please see attached bonus income calculation of $150, and DTI breakdown for XX%.<br>Seller Comment (2021-11-15): paystub<br>Seller Comment (2021-11-15): Bonus calculation<br>Seller Comment (2021-11-15): DTI Breakdown | 11/16/2021 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX, $XXXX/mo) and homeowners insurance ($XXXXX, $XXXXX/mo) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-14): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2021-12-13): PCCD, LOE, FedEx<br>Seller Comment (2021-12-13): HC XX/XX/XX - See attached PCCD, LOE, and FedEx<br>Reviewer Comment (2021-11-23): The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX, $XXXX/mo) and homeowners insurance ($XXXX, $XXXX/mo) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made; exception remains.<br>Seller Comment (2021-11-22): XX/XX/XX AMB: Please rescind. Property taxes were calculated using XX% of the purchase price so sales price of $XXXX x .0125 equals $XXXX a year for property taxes. There would not be a supplemental worksheet because they have not yet been reassessed, hence why we are using the XX% to calculate the tax amount.<br>Reviewer Comment (2021-11-22): Transaction is a purchase and subject to XX% calculation for CA property taxes. If tax rate(s) are used x SP, provide calculation worksheet to include supplemental amounts; exception remains<br>Seller Comment (2021-11-18): XX/XX/XX AMB: Please rescind. Please see the most recent final CD showing the corrected amounts for the taxes and insurance along with the letter of explanation.<br>Reviewer Comment (2021-11-18): SitusAMC reviewed exception. The HOI is $XXXX and taxes at XX% are $XXXX. Please provide a corrected CD and LOE to cure.<br>Seller Comment (2021-11-17): XX/XX/XX AMB: Please rescind. Please note that the property taxes were calculated at XX% of the sales price of the property due to the transaction being a purchase in XXXX, and the property tax amounts listed on the preliminary title commitment or the tax bill have not yet been reassessed for the new owners. With that being said, the final CD provided is correct. |  | 12/14/2021 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. |  |  |  | Reviewer Comment (2021-11-16): Loan Designation matches hence Exception cleared. | 11/16/2021 |  |  | 1 A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%. |  |  |  | Reviewer Comment (2021-11-16): Reduced the DTI to XX% hence Exception cleared.<br>Seller Comment (2021-11-15): XX/XX/XX - MJP: Please see bonus calculation for additional income, reflecting total DTI of XX%.<br>Seller Comment (2021-11-15): DTI breakdown<br>Seller Comment (2021-11-15): paystub | 11/16/2021 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-11-23): Received XXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared. | 11/23/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXX / 2 days - XXXX - No MLS Sheets |  |  |  | Reviewer Comment (2021-11-23): Received XXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.<br>Reviewer Comment (2021-11-22): Valuation Received - XX/XX/XX | 11/23/2021 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | income calculated is less than lender |  |  |  | Reviewer Comment (2022-01-26): Input bank statements and VOM for properties paid by business.<br>Seller Comment (2022-01-25): XX/XX/XX DL: Thank you for clarifying! Please rescind. The reason these REOs were not included is due to being excluded as paid by others. Please see attached VOM and asset confirmation. Both mortgages on XXXXX and XXXXX are excluded for the same reason.<br>Reviewer Comment (2022-01-25): The difference in the DTI's is due to the rental income. Borrower owns 4 investment properties. Only 2 were included in the income. The properties at XXXXX and XXXXX reflected $0 total monthly payment for taxes and insurance on the loan application. The taxes and insurance expenses input raised the DTI to above allowed. Exception remains<br>Seller Comment (2022-01-24): XX/XX/XX AMB: Hi team, can you please elaborate on the why the investor feels their income calculation is less than the lender's calculation? Thank you! | 01/26/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | QM fail due to other QM failures. Once corrected this will also correct |  |  |  | Reviewer Comment (2022-01-26): Input bank statements and VOM for properties paid by business.<br>Seller Comment (2022-01-25): XX/XX/XX DL: Please clear based on responses and documentation provided for other conditions. Thank you. | 01/26/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Discount Point. Fee Amount of $6,406.00 exceeds tolerance of $6,142.00. Insufficient or no cure was provided to the borrower. | Loan discount Fee was last disclosed as $6,142.00 on LE but disclosed as $4,329.00 on Final Closing Disclosure. Provide a post-close CD disclosing the tolerance cure to include $6,406.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-03): XXXXX received a valid COC for increase in Loan Discount Points.<br>Seller Comment (2022-02-02): CS XX/XX/XX Please see attached COC form and LE. On XX/XX/XX there was a COC to lock the rate which included a charge of .630% of the loan amount, or $6,406.39 (rounded to $6,409 on the LE for a discount fee. This was disclosed on a LE on XX/XX/XX. | 02/03/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-02-07): XXXXX Received Earliest E-Consent dated XX/XX/XX<br>Seller Comment (2022-02-03): Please see attached XX/XX/XX econsent.<br>Reviewer Comment (2022-02-03): eDisclosures sent XX/XX/XX; however, not viewed until XX/XX/XX. Initial LE was sent prior to eConsent. Missing evidence of alternate delivery to comply with TILA-RESPA guidelines; exception remains<br>Seller Comment (2022-02-02): eConsent<br>Seller Comment (2022-02-02): Please see the attached Disclosure Tracking showing proof of eConsent. | 02/07/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Income calculated is less than lender |  |  |  | Reviewer Comment (2022-01-26): Input bank statements and VOM for properties paid by business.<br>Seller Comment (2022-01-25): XX/XX/XX DL: Thank you for clarifying! Please rescind. The reason these REOs were not included is due to being excluded as paid by others. Please see attached VOM and asset confirmation. Both mortgages on XXXXX and XXXXX are excluded for the same reason. | 01/26/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Qm risk due to other QM failures. Once corrected this will also correct |  |  |  | Reviewer Comment (2022-01-26): Input bank statements and VOM for properties paid by business.<br>Seller Comment (2022-01-25): XX/XX/XX DL: Please clear based on responses and documentation provided for other conditions. Thank you. | 01/26/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Property Taxes ($XXXX), Insurance ($XXXX) total $XXXX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-03): PCCD & LOE provided as trailing docs |  | 02/03/2022 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Asset Issue: Gift funds are missing evidence of receipt |  | Missing documentation the transfer of the funds from donors for all gift given per AUS. |  |  |  | Reviewer Comment (2021-11-11): Exception cleared.<br>Seller Comment (2021-11-11): XX/XX/XX - MJP: Please see documentation for transfers for all three gifts.<br>Seller Comment (2021-11-11): XXXXX Deposit | 11/11/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1100.00 on LE but disclosed as $1200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-10-19): Sufficient Cure Provided At Closing |  | 10/19/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verified employment data - document is not within 10 business days of the Note |  |  |  | Reviewer Comment (2021-11-02): Document provided XX/XX/XX. Exception cleared XX/XX/XX. | 11/02/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $1,200.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $1,200, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-10-18): Sufficient Cure Provided At Closing |  | 10/18/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Please provide proof the special flood hazard disclosure was provided in a reasonable time prior to closing. |  |  |  | Reviewer Comment (2021-10-28): Client requests to waive.<br>Reviewer Comment (2021-10-28): Received 'Flood Insurance Coverage subject to change', however we require proof that Notice to special flood hazard disclosure was provide in a reasonable time prior to closing. Exception remains. |  |  | 10/28/2021 | 2 B |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-11-01): PCCD & LOE provided as trailing docs<br>Seller Comment (2021-10-29): PCCD attached<br>Reviewer Comment (2021-10-28): Based on the amounts in the provided comment (and documented in file), the total of the Escrowed Property Costs over 1 year (flood only) is $XXXX. and Non-Escrowed Property costs over 1 year is $XXXX (tax & HOI). These amounts differ on pg 4 of the final CD. Also Monthly Est amount is $XXXX, but pg 1 of the final CD reflects $XXXX; exception remains<br>Seller Comment (2021-10-27): Correct year 1 calcs are as follows: Hazard Insurance premium $XXXX/year = $XXXX/month, Flood Insurance premium $XXXX/year = $XXXX/month, RE Taxes $XXXX/year = $XXXX/month. Totals are $XXXX/year and $XXXX/month. Amounts are evidenced by HOI Cert, Flood Insurance Cert, and RE Tax bill. All were included in the original image. PCCD will be issued based on these amounts. |  | 11/01/2021 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of source of funds for earnest money deposit. |  |  |  | Reviewer Comment (2021-12-23): Received bank statement on XX/XX/XX and verified the withdrawal of EMD amount $XXXX, Exception Cleared<br>Seller Comment (2021-12-22): Safe CU XXXX<br>Seller Comment (2021-12-22): Safe CU to XXXX<br>Seller Comment (2021-12-22): See Attached: Funds did clear borrower account and documentation of such is in the file. Wire cleared SAFE CU XXXX account on XX/XX transaction history provided. Official statements in prior months confirm this account is borrower-owned and no statement gaps exist. | 12/23/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,000.00 exceeds tolerance of $495.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $495.00 on LE but disclosed as $1000.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, a cure of $505.00 was provided at closing. |  |  |  | Reviewer Comment (2022-01-31): Sufficient Cure Provided At Closing |  | 01/31/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,500.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $950 on LE but disclosed as $1,500 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-10-21): Sufficient Cure Provided At Closing |  | 10/21/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | This file is missing the Appraisal. |  |  |  | Reviewer Comment (2022-01-19): Appraisal provided - exception cleared<br>Seller Comment (2022-01-18): XX/XX/XX DL: Please rescind. Please see the attached appraisal. | 01/19/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The property is located in a FEMA disaster area. Provide a post-disaster inspection verifying there was no damage. The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date. |  |  |  | Reviewer Comment (2022-01-19): Appraisal provided - exception cleared<br>Seller Comment (2022-01-18): XX/XX/XX DL: Please rescind. There is no disaster declaration for wildfires matching the date cited. Please see Cal Fire website (https://www.fire.ca.gov/incidents/XXXXX/) which shows all incidents declared in XXXXX. None of the listed fires in the attached snip are in XXXXX county. No 1004D or FEMA inspection is required. Please see appraisal confirming XXXXX county.<br>Reviewer Comment (2021-12-30): We didn't received property re-inspected on or after XX/XX/XX, Kindly provide property disaster inspection and the property was no damage to clear this exception, Exception Remains<br>Seller Comment (2021-12-29): ... | 01/19/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Previous UW did not provide evidence of Tax Rate |  |  |  | Reviewer Comment (2021-11-24): Tax Certification provided<br>Seller Comment (2021-11-23): XX/XX/XX - MJP: Please see tax documentation.<br>Seller Comment (2021-11-23): Taxes | 11/24/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | 12 months PITIA required: for Primary Residence with >85% LTV/ CLTV |  |  |  | Reviewer Comment (2021-11-24): Used IRA Account for Reserves only at 100%<br>Seller Comment (2021-11-23): AUS Findings<br>Seller Comment (2021-11-23): XX/XX/XX - MJP: Please see AUS findings for calculated reserves. XXXXX for cash to close covering reserves. | 11/24/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-12-15): Desk review provided. Exception cleared. | 12/15/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2021-12-16): Received Clear Capital Desk Review dated XX/XX/XXXX with a value of $XXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2021-12-14): Valuation Received - XX/XX/XXXX | 12/16/2021 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | AUS XXXXX per 1008, however AUS not provided |  |  |  | Reviewer Comment (2021-09-01): Cleared<br>Buyer Comment (2021-08-21): Uploaded, please find the AUS. Thank you. | 09/01/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $345.00 exceeds tolerance of $187.00 plus 10% or $205.70. Sufficient or excess cure was provided to the borrower at Closing. | COC not provided for the added fee and insufficient cure provided for fee exceeding tolerance. |  |  |  | Reviewer Comment (2021-08-18): Sufficient Cure Provided At Closing |  | 08/18/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | COC not provided for the added fee and insufficient cure provided for fee exceeding tolerance. |  |  |  | Reviewer Comment (2021-08-18): Sufficient Cure Provided At Closing |  | 08/18/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,075.00 exceeds tolerance of $685.00. Sufficient or excess cure was provided to the borrower at Closing. | COC not provided for the added fee and insufficient cure provided for fee exceeding tolerance. |  |  |  | Reviewer Comment (2021-08-18): Sufficient Cure Provided At Closing |  | 08/18/2021 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing date XX/XX/XX |  |  |  | Reviewer Comment (2021-08-31): XXXXX received disclosure tracking confirming earlier receipt of CD<br>Buyer Comment (2021-08-21): Uploaded, please find the Disclosure Tracking Summary reflecting the CD, dated XX/XX/XX, was sent and received on XX/XX/XX, 14 days prior to the Note, dated of XX/XX/XX. Thank you. | 08/31/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Neither 'you declined it' or 'lender does not offer one' box check on application. |  |  |  | Reviewer Comment (2021-09-16): Cured<br>Reviewer Comment (2021-08-23): XXXXX received PCCD and LOE updated with page 4<br>Buyer Comment (2021-08-21): Attached, please find the LOE, PCCD and E-mail delivery reflecting the borrower declined escrows. Thank you. |  | 09/16/2021 |  | 2 C B |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-01-20): Revised title commitment provided with the correct policy amount - exception cleared<br>Seller Comment (2022-01-19): per title co...I just heard back and the policy dept. said that they are currently working on polices for Oct. of the last year and will get to this one as soon as possible.<br> In the mean time I've attached the commitment showing the loan amt. below | 01/20/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Assets were not provided in the file. |  |  |  | Reviewer Comment (2021-12-08): Available for Closing now is XXXXX, which is more than the Cash from Borrower. Required Assets received and associated. Exception cleared.<br>Seller Comment (2021-12-06): Assets | XX/XX/XX021 9:55:09 AM |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | E-sign agreement in file is dated XX/XX/XX. Evidence of earlier consent given by borrower was not found in file. |  |  |  | Reviewer Comment (2021-12-20): XXXXX Received Disclosure tracking showing LE sent via Mail<br>Seller Comment (2021-12-17): LOX for timing | 12/20/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Assets were not provided in the file. |  |  |  | Reviewer Comment (2021-12-08): Required assets received and associated. Available for Reserves now is XXXXX. Exception cleared.<br>Seller Comment (2021-12-06): Assets | XX/XX/XX021 9:56:01 AM |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing gift letter and evidence of transfer of funds. |  |  |  | Reviewer Comment (2021-12-08): Gift Letter of XXXXX and Wire Confirmation in the amount of XXXXX and XXXXX, received and associated. Exception cleared.<br>Seller Comment (2021-12-06): Gift letter | XX/XX/XX021 9:56:45 AM |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | Missing gift letter and evidence of transfer of funds. |  |  |  | Reviewer Comment (2021-12-08): Gift Letter of XXXXX and Wire Confirmation in the amount of XXXXX and XXXXX, received and associated. Exception cleared.<br>Seller Comment (2021-12-06): Gift letter | XX/XX/XX021 9:56:52 AM |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,650.00 exceeds tolerance of $1,500.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1,500 on LE but disclosed as $1,650 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-30): Sufficient Cure Provided At Closing |  | 12/30/2021 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after XX/XX/XX contains a change in APR and was not received by borrower at least three (3) business days prior to consummation | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-03-29): Received disclosure tracking with evidence of receipt. Cleared,<br>Reviewer Comment (2022-03-16): XXXXX received XX/XX/XX CD. However, a PCCD will not cure a timing violation. APR changed on XX/XX/XX CD over .XX% for which a 3 business day waiting period is needed. XX/XX/XX CD APR XX% then changed to XX% on the XX/XX/XX CD which we do not have proof of receipt and so the mailbox rule is in effect which borrower receiving on XX/XX/XX. Close date of XX/XX/XX and receipt date of XX/XX/XX did not allow the 3 business days receipt. Provide proof of earlier receipt.<br>Seller Comment (2022-03-14): CD | 03/29/2022 |  |  | 1 C A |  | XX | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-12-14): Client elects to waive |  |  | 12/14/2021 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXXX) and homeowners' insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-21): SitusAMC received tax rate and lender tax calculation<br>Seller Comment (2021-12-20): 12/20 JH: Lender has twice provided tax rate. 1.066% of $1,139,910 is $12,151.44 annually or $1,012.62 monthly. Please rescind.<br>Reviewer Comment (2021-12-17): Please provide copy of lender's tax calculation and documentation to support tax rate, otherwise 1.25% of sales price is used.<br>Seller Comment (2021-12-16): 12/16 JH: Please rescind. Lender is unclear as to where tax figure is being derived. Title commitment shows no taxes levied against the property, therefore a tax estimate based on the millage rate provided and the property purchase price has been utilized. Taxes have been disclosed accurately based on the documentation available and provided in the loan package. | 12/21/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Documentation verifying CD was provided to borrower at least 3 business days prior to closing was not provided in loan file. Only received Final and Post Closing CD's. |  |  |  | Reviewer Comment (2021-12-13): SitusAMC received XX/XX CD received the same day issued.<br>Seller Comment (2021-12-10): Please see attached Closing Disclosure and TRID worksheet with proof borrower was sent an Initial Closing Disclosure on XX.XX and was e-consented to on XX.XX. This meets the 3 business days prior to the closing date of XX.XX. | 12/13/2021 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The AUS was missing from the loan file. |  |  |  | Reviewer Comment (2021-12-23): Copy of AUS provided.<br>Seller Comment (2021-12-22): AUS | 12/23/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $300.00 exceeds tolerance of $150.00. Sufficient or excess cure was provided to the borrower at Closing. | Property Inspection Fee was last disclosed as $150 on LE but disclosed as $300 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-13): Sufficient Cure Provided At Closing |  | 12/13/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement. |  |  |  | Reviewer Comment (2022-01-07): Assets provided - exception cleared<br>Seller Comment (2022-01-06): Funds were moved from XXXX XXXX to XXXX XXXX. Please review and advise.<br>Reviewer Comment (2021-12-23): Provide complete 2 months bank statements from XXXX #XXXX to cover 60 days . Bank statements provided in file is for statement period from XX/XX/XX to XX/XX/XX. Exception remains.<br>Seller Comment (2021-12-22): Assets uploaded to additional conds<br>Seller Comment (2021-12-22): Assets | 01/07/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement. |  |  |  | Reviewer Comment (2022-01-07): Assets provided - exception cleared<br>Seller Comment (2022-01-06): Funds were moved from XXXX XXXX to XXXX XXXX. Please review and advise.<br>Reviewer Comment (2021-12-23): Provide complete 2 months bank statements from XXXX #XXXX to cover 60 days . Bank statements provided in file is for statement period from XX/XX/XX to XX/XX/XX. Exception remains.<br>Seller Comment (2021-12-22): Assets | 01/07/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The DTI exceeds guidelines due to no evidence of the sale of borrowers previous residence and payoff to Movement Mortgage. |  |  |  | Reviewer Comment (2021-12-23): Evidence mortgage included in DTI was paid off provided. | 12/23/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk due to missing proof of the sale of borrowers current residence and payoff to Movement Mortgage. |  |  |  | Reviewer Comment (2021-12-23): Evidence of sold property provided.<br>Seller Comment (2021-12-22): Sale of present home | 12/23/2021 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) due to missing proof of the sale of borrowers current residence and payoff to Movement Mortgage. |  |  |  | Reviewer Comment (2021-12-23): Evidence of sold property provided.<br>Seller Comment (2021-12-22): Sale of present home | 12/23/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Based on the loan failing one or more guideline components, the loan is at QM risk due to missing proof of the sale of borrowers current residence and payoff to Movement Mortgage. |  |  |  | Reviewer Comment (2021-12-23): Evidence of sold property provided.<br>Seller Comment (2021-12-22): Sale of present home | 12/23/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Only 1 month statement received for the XXXX account #XXXX - need 2nd month. |  |  |  | Reviewer Comment (2022-02-08): November statement received - exception cleared<br>Seller Comment (2022-02-07): Statement<br>Reviewer Comment (2022-02-03): Did not received XXXX bank statement for account ending #XXXX for November month to clear the citing. Exception remains.<br>Seller Comment (2022-02-01): These funds were moved from account # XXXX to # XXXX | 02/08/2022 |  |  | 1 A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Timing | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | Please provide documentation to show that the LE was delivered to the borrower within three business days of the application. |  |  |  | Reviewer Comment (2022-01-18): Earlier LE provided as a trailing doc<br>Seller Comment (2022-01-14): Please see attached. | 01/18/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-04): Sufficient Cure Provided At Closing |  | 01/04/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,205.00 exceeds tolerance of $2,115.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer taxl Fee was last disclosed as $2115 on LE but disclosed as $2205 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-04): Sufficient Cure Provided At Closing |  | 01/04/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file was missing a copy of documentation to support the lock information for the subject loan #XXXXX. Lock in file was for the previously cancelled/denied transaction, loan #XXXXX. |  |  |  | Reviewer Comment (2022-02-09): Received Rate lock document with expiration date of XX/XX/XX , Exception CLEARED.<br>Seller Comment (2022-02-08): Please see attached.<br>Reviewer Comment (2022-02-08): Initial Lock dateXX/XX/XX is there however, expiring on XX/XX/XX and Note date is XX/XX/XX, which is not covering the Note date Required Lock confirmation or funding request form to verify the lock date. Exception remains.<br>Seller Comment (2022-02-07): Please see attached.<br>Reviewer Comment (2022-02-07): XX/XX/XX Reviewed rate lock document provided. Rate lock date is missing, only expiration date is listed on form. Exception remains.<br>Seller Comment (2022-02-03): I think there is confusion here. The subject transaction is XXXXX. The previously cancelled transaction is XXXXX. The lock confirmation in the file is for XXXXX, which is the subject loan. | 02/09/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $300.00 plus 10% or $330.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $45.00 No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $45.00 a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-01-04): Sufficient Cure Provided At Closing |  | 01/04/2022 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $850.00on LE but disclosed as $1,200.00on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $350.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-01-04): Sufficient Cure Provided At Closing |  | 01/04/2022 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | Notice of Right to Cancel, incorrect form. Form H-9 used, correct form is H-8 |  |  |  | Reviewer Comment (2022-01-10): Same Lender refinance per title commitment. RTC form is correct. Exception cleared<br>Seller Comment (2022-01-07): Correct H-9 form was used, per Title Report XXXXX is the original creditor. Please clear or advise further. | 01/10/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Partnership Income Documentation Test | Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). | Copy of complete personal tax returns not provided; only signed pages provided. |  |  |  | Reviewer Comment (2022-01-11): XX/XX/XX Documents received. Cleared.<br>Seller Comment (2022-01-07): Taxes | 01/11/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM | Safe Harbor QM (43-Q) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. | Complete personal tax returns not provided. |  |  |  | Reviewer Comment (2022-01-11): XX/XX/XX Cleared. | 01/11/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM | Safe Harbor QM (43-Q) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The AUS was missing from the loan file. |  |  |  | Reviewer Comment (2021-12-30): AUS findings provided<br>Seller Comment (2021-12-28): AUS | 12/30/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Asset documentation was not provided in the loan file. |  |  |  | Reviewer Comment (2022-01-10): Received Gift documentation, Exception Cleared<br>Seller Comment (2022-01-07): Gift docs<br>Reviewer Comment (2021-12-30): Gift letter and documentation verifying receipt/transfer of funds was not provided. Exception remains.<br>Seller Comment (2021-12-28): BANK STATEMENTS | 01/10/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The loan file did not contain verification of the taxes and insurance. |  |  |  | Reviewer Comment (2021-12-30): REO documentation provided.<br>Seller Comment (2021-12-28): REO DOCS AND LOE RE PROPERTY TAXES | 12/30/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,627.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-17): Sufficient Cure Provided At Closing |  | 12/17/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Per GS QM AUS guidelines for Loan amount >1mm, borrower must have the greater of 3mo reserves for reserves determined by DU or LP. Loan was approved with a loan amount of $XXXX. |  |  |  | Reviewer Comment (2021-12-30): Bank statements provided verifying sufficient assets. | 12/30/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $2,285.00 exceeds tolerance of $1,500.00. Insufficient or no cure was provided to the borrower. | Cure was given at closing in the amount of $785.00 |  |  |  | Reviewer Comment (2021-12-02): The CD was corrected at closing |  | 12/02/2021 |  | 2 C B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2021-12-17): Received XXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Exception cleared. | 12/17/2021 |  |  | 1 D A |  | XX | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | State Compliance | Misc. State Level | Colorado Consumer Credit Code (First Lien Refinance Notice Not Provided) | XXXXX Consumer Credit Code: Borrower not provided First Lien Refinance Notice. | First Lien Refinance Notice not found in file |  |  |  | Reviewer Comment (2021-12-16): Received XXXXX Refinance Disclosure and Associated. Exception Cleared.<br>Seller Comment (2021-12-15): XXXXX 1st Lien Refi<br>Seller Comment (2021-12-15): Please see the attached First Lien Refi Notice | 12/16/2021 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXX / 2 days - XXXX - No MLS Sheets |  |  |  | Reviewer Comment (2021-12-17): Received XXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Exception cleared.<br>Reviewer Comment (2021-12-15): Valuation Received - XX/XX/XX | 12/17/2021 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $760.00 exceeds tolerance of $720.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $720 on LE but disclosed as $760 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-12-08): Sufficient Cure Provided At Closing |  | XX/XX/XX021 9:19:04 AM |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $91,500.00. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2021-12-22): Received a copy of Replacement Cost Estimator. Associated it in clarity and updated the value accordingly. Exception Cleared.<br>Seller Comment (2021-12-21): Hello, I uploaded 3 new HOI docs. to this cond. Thank you<br>Seller Comment (2021-12-21): H | 12/22/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-12-21): PCCD & LOE provided as trailing docs<br>Seller Comment (2021-12-20): hello, Please see the attached PCCD & LOE. Thank you |  | 12/21/2021 |  | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Payoff Statement Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Exception not required - marked as Same Provider - Charged on CD and not disclosed on the LE. |  |  |  | Reviewer Comment (2021-12-09): Sufficient Cure Provided At Closing |  | 12/09/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $62.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Exception not required - marked as Same Provider - Charged on CD and not disclosed on the LE. |  |  |  | Reviewer Comment (2021-12-09): Sufficient Cure Provided At Closing |  | 12/09/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Exception not required - marked as Same Provider - Charged on CD and not disclosed on the LE. |  |  |  | Reviewer Comment (2021-12-09): Sufficient Cure Provided At Closing |  | 12/09/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | UCDP score is above 2.5; Second Appraisal is required |  |  |  | Reviewer Comment (2022-01-18): Desk review provided. | 01/18/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,150.00 exceeds tolerance of $1,050.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-12-29): Sufficient Cure Provided At Closing |  | 12/29/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-01-05): Verified & associated Desk review with the value of $XXXX. Exception cleared<br>Reviewer Comment (2022-01-04): Valuation Received - XX/XX/XX | 01/05/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | The file was missing a copy of the Hazard insurance policy. |  |  |  | Reviewer Comment (2022-01-11): HOI was provided - exception is cleared<br>Seller Comment (2022-01-10): We go off of the funding date (XX/XX/XX) when looking at the Hazard Insurance effective date (XX/XX/XX) not the closing date (XX/XX/XX)<br>Reviewer Comment (2022-01-07): HOI provided did not go into effect XX/XX/XX. Need policy effective as of the date of closing XX/XX/XX - exception remains<br>Seller Comment (2022-01-06): Hazard Insurance | 01/11/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | The Hazard Insurance Policy effective date is after the Transaction Date. | Hazard Insurance Policy Effective Date ___, Transaction Date: ___ | Policy provided did not go into effect until XX/XX/XX. Need policy in effect as of closing (XX/XX/XX) |  |  |  | Reviewer Comment (2022-01-10): Post Close CD with disbursement date of XX/XX/XX provided - this will clear the exception as the HOI is now effective before the disbursement date.<br>Seller Comment (2022-01-07): We go off of the funding date (XX/XX/XX) when looking at the Hazard Insurance effective date (XX/XX/XX) not the closing date (XX/XX/XX). | 01/10/2022 |  |  | 1 A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $3,600.00 exceeds tolerance of $1,000.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $2,400 on Loan Estimate but disclosed as $3,600 on Final Closing Disclosure. Evidence of a cure is not provided. |  |  |  | Reviewer Comment (2022-02-17): Situs AMC upon further review received Attestation Letter for Appraisal Fee and Second Appraisal Fee were combined into one fee $3600.<br>Seller Comment (2022-02-16): Please see attached attestation<br>Reviewer Comment (2022-02-16): SitusAMC received COC for increase in appraisal and appraisal re-inspection fee however, fees are clubbed on final CD so we need an attestation letter that explain the fees are combined to clear this exception.<br>Seller Comment (2022-02-15): Final CD with combined appraisals totaling to 3600<br>Seller Comment (2022-02-15): Email for Complexity ($2400)<br>Seller Comment (2022-02-15): Email for complexity<br>Seller Comment (2022-02-15): Appraisal invoices<br>Seller Comment (2022-02-15): CofC 1k-1.2k<br>Seller Comment (2022-02-15): CofC for 1k-2.4K<br>Seller Comment (2022-02-15): BR - 2/15/22 - Please review attached Change in Circumstance forms for second appraisal fees increase from $1000.00 up to $1200.00 dated XX/XX/XX and the Change in Circumstance form for the Appraisal fee from $1000.00 up to $2400.00 dated XX/XX/XX1, AMC Documentation, and LE disclosing appraisal fee increase from $1000.00 up to $2400.00 and $1000.00 to $1200.00 dated XX/XX/XX1. Reason for increase: Upon researching the AMC found an appraiser who could submit the order. As they have seen extended turn times in this area due to their workload and availability, the appraiser quoted a fee of $490.00 and $1690.00 as the property is of high value, which increases the scope of work due to the complexity of the property. Note the Date the complexity fee was charged is XX/XX/XX for both increases. Also take note that the total of these two fees is $3600.00 which was combined for the final CD. No tolerance cure needed. | 02/17/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,403.25 exceeds tolerance of $266.00. Insufficient or no cure was provided to the borrower. | Loan Discount points fee was last disclosed as $266.00 on Loan Estimate but disclosed as $1,403.25 on Final Closing Disclosure. File does not contain a valid COC for this fee or evidence of a cure. |  |  |  | Reviewer Comment (2022-02-07): SitusAMC received a updated CD dated XX/XX with supporting Rate lock conformation for the Loan discount point increased due to Rate lock extension.<br>Seller Comment (2022-02-04): CS 2/4 The loan locked with pricing at $265.75 (rounded to $266 on the LE). Then on XX/XX there was a 2 day lock extension that impacted pricing to be $1,403.25, which was disclosed on a CD on XX/XX. Lock actions are acceptable changes of circumstance on wholesale loans. Please see attached lock confirmations, CD, and TRID worksheet. | 02/07/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | The file was missing a copy of borrower's receipt of the Notice of Special Flood Hazard Disclosure within reasonable time prior to closing. |  |  |  | Reviewer Comment (2022-02-09): Client elects to waive.<br>Seller Comment (2022-02-09): BR - 2/9/22 - The documents that were uploaded reference the delivery of the XX/XX/XX Flood Package that was delivered to the borrower over a month prior to closing. the XX/XX/XX was the disclosure that was presented at closing. Attached see the Flood hazard Package showing it was generated and delivered on XX/XX/XX and the TRID history showing it delivered and the link clicked.<br>Reviewer Comment (2022-02-09): Received Flood hazard disclosure dated XX/XX/XX.Notice of Special Flood Hazard Disclosure within reasonable time prior to closing.(Note less 10 calendar days). Exception remains<br>Seller Comment (2022-02-08): BR - 2/8/22 - Please reference the attached Flood hazard area notice and TRID History highlighted in red showing it distributed and clicked. |  |  | 02/09/2022 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Missing complete fraud report. Only pages 1 and 2 of 22 were provided. |  |  |  | Reviewer Comment (2022-01-19): Full Fraud Report provided - exception cleared<br>Seller Comment (2022-01-19): XX/XX/XX JH: Please rescind. The original findings had a score of 400, but the adjusted score is 1000 because all searches were completed. This is the final report and meets all requirements per the lender agreement.<br>Reviewer Comment (2022-01-19): Fraud report received however few modules searches were not covered eg Liens and judgments search, Income assessment etc. Please provide complete fraud report along with Fraud score as moderate or low risk as provided in the file reflects Critical risk and score is 400. Exception remains.<br>Seller Comment (2022-01-18): XX/XX/XX JH: Please see fraud report attached. | 01/19/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Home Improvement | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $69.26 exceeds tolerance of $48.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $48 on LE but disclosed as $69.26 on Final Closing Disclosure. File does not contain a valid COC for this fee, a cure of $21.26 was provided at closing. |  |  |  | Reviewer Comment (2022-01-11): Sufficient Cure Provided At Closing |  | 01/11/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Home Improvement | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $768,000 of title insurance coverage; however this is less than the loan amount of $XXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2021-12-21): Client elects to waive. |  |  | 12/21/2021 | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Payoff statement is missing from file |  |  |  | Reviewer Comment (2022-02-11): Received payoff statement which shows no pre payment penalty or charges, associated the document, hence exception cleared.<br>Seller Comment (2022-02-10): PAYOFF STATEMENT | 02/11/2022 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee. Fee Amount of $18.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Courier Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $18.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-11): SitusAMC received LE. | 02/11/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $23,263.10 may be required. | LE is required to be sent to the borrower within 3 days of application. LE not found in file |  |  |  | Reviewer Comment (2022-02-11): SitusAMC received LE.<br>Seller Comment (2022-02-10): LE / LE Tracking info | 02/11/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Full notary date not provided; only month on security instrument. |  |  |  | Reviewer Comment (2022-02-09): Client elects to waive. |  |  | 02/09/2022 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $975.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. | The fee increased on the XX/XX CD without a VCC. Please provide VCC or please provide a corrected CD, LOE, refund check, and proof of mailing to cure. |  |  |  | Reviewer Comment (2022-03-21): SitusAMC received Corrected PCCD, Letter of Explanation, Proof of Delivery & Copy of Refund check.<br>Seller Comment (2022-03-18): cure 2<br>Reviewer Comment (2022-03-11): SitusAMC upon further review there is only one check of $375 is in file and check of $18 is require as there is no check of $393.<br> So please provide either check of $18 and LOE or provide corrected PCCD as per refund check.<br>Seller Comment (2022-03-10): THE $393 CHECK UPLOADED INCLUDES $375 FROM FIRST PCCD & $18 FOR SECOND PCCD. THERE IS NOT 2 SEPERATE CHECKS<br>Reviewer Comment (2022-03-09): SitusAMC received PCCD dated XX/XX/XX along with Letter of Explanation. However, we also required Copy of refund check to borrower in the amount of $18 per PCCD dated XX/XX in order to reevaluate and cure this exception. Exception remains.<br>Seller Comment (2022-03-07): CHECK FOR $393 INCLUDED A SECOND PCCD - SEE ATTACHED<br>Reviewer Comment (2022-03-03): SitusAMC received PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check. However, provided PCCD section J reflects refund amount $393 and refund check & LOE reflects in the amount of amount $375 refund to borrower, for which we do not have a valid cure documents. Please provide updated LOE & refund check as per PCCD. Or else provide corrected PCCD per refund check. Exception remains.<br>Seller Comment (2022-03-02): cure<br>Reviewer Comment (2022-02-22): SitusAMC received COC dated XX/XX where as the fee increase on XX/XX which is not within three business days from the change, also there is COC dated XX/XX stating "Lock extended" which is not a valid reason for the fee increase. Please provide a valid COC for the fee increased or provide cure documents.<br>Seller Comment (2022-02-18): COC |  | 03/21/2022 |  | 2 B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Documentation verifying that Loan Estimate was provided to borrower at least 3 days prior to closing was not provided in loan file. |  |  |  | Reviewer Comment (2022-02-14): XXXXX received attestation XX/XX/XX was not provided to borrower, removed from testing.<br>Reviewer Comment (2022-01-28): TILA-RESPA requires the final LE be received (mailed not evidence) at least 4 business days prior to closing; exception remains | 02/14/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-01-27): Lender provided Gift Letter and Proof of Receipt<br>Seller Comment (2022-01-26): XX/XX/XX - MJP: Gift Documentation<br>Seller Comment (2022-01-26): XX/XX/XX - MJP: Please see updated asset statement through XX/XX/XX for asset account XXXXX with XXXXX and evidence of gift.<br>Reviewer Comment (2022-01-26): Verified asset is XXXXX + XXXXX + XXXXX + XXXXX - cash to close XXXXX = XXXXX + IRA XXXXX = XXXXX less for reserves. Per final 1003 XXXXX XXXXX has the balance of XXXXX However, per bank statement of XX/XX/XX it is XXXXX. Per AUS evidence of Gift funds not provided. Provide assets document to clear this exception. Exception remains.<br>Seller Comment (2022-01-25): XX/XX/XX - MJP: Please rescind. See AUS findings. Total assets on file = XXXXX. Required funds = XXXXX Which is: (XXXXX funds to close + required reserves of XXXXX). required reserves per AUS findings are not added on top of required funds, but replaces amount. If bank account is not eligable please state which bank/account.<br>Reviewer Comment (2022-01-24): PCCD received increasing the cash to close thereby reducing the assets available for reserves. Exception re-opened.<br>Reviewer Comment (2022-01-20): Bank statement found in file with higher balance and later end date - sufficient assets for reserves. Exception cleared<br>Seller Comment (2022-01-19): XX/XX/XX - MJP: Please rescind. Total assets on file are equal to XXXXX. Funds to close are XXXXX. Required reserves totals XXXXX and replaces AUS required reserves of XXXXX. So in total file contains an extra amount of XXXXX in assets. | 01/27/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | (Missing Data) Missing Contract Price Data | Contract Sales Price not provided. Any applicable Federal, State or Local compliance testing is unreliable. |  |  |  |  | Reviewer Comment (2022-01-24): Contract sales price verified with escrow instruction provided. Exception cleared.<br>Seller Comment (2022-01-21): XX/XX/XX - MJP: Please see addendum for purchase price. | 01/24/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third party business verification was not provided and is required per AUS dated no more than 120 days from the note date. |  |  |  | Reviewer Comment (2022-01-20): CPA Letter provided - exception cleared<br>Seller Comment (2022-01-19): XX/XX/XX - MJP: Please see attached verification of business | 01/20/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Triggered due to missing income docs. |  |  |  | Reviewer Comment (2022-01-20): CPA Letter provided - exception cleared<br>Seller Comment (2022-01-19): XX/XX/XX - MJP: Please see attached verification of business | 01/20/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Exception triggered due to newly received PCCD where cash to close was increased thereby decreasing the amount of funds available for reserves. |  |  |  | Reviewer Comment (2022-01-27): Lender provided Gift Letter & Proof of Receipt<br>Seller Comment (2022-01-26): XX/XX/XX - MJP: Please see attached updated asset statement showing XXXXX for XX/XX/XX for XXXXX, and documentation for gift.<br>Reviewer Comment (2022-01-26): Verified asset is XXXXX + XXXXX + XXXXX + XXXXX - cash to close XXXXX = XXXXX + IRA XXXXX = XXXXX less for reserves. Per final 1003 XXXXX XXXXX has the balance of XXXXX However, per bank statement of XX/XX/XX it is XXXXX. Per AUS evidence of Gift funds not provided. Provide assets document to clear this exception. Exception remains.<br>Seller Comment (2022-01-25): XX/XX/XX - MJP: Please rescind. See AUS findings. Total assets on file = XXXXX. Required funds = XXXXX Which is: (XXXXX funds to close + required reserves of XXXXX). required reserves per AUS findings are not added on top of required funds, but replaces amount. If bank account is not eligable please state which bank/account. | 01/27/2022 |  |  | 1 A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | No asset documentation was provided. |  |  |  | Reviewer Comment (2022-01-11): Asset information received - exception cleared<br>Seller Comment (2022-01-10): statement 4<br>Seller Comment (2022-01-10): statement<br>Seller Comment (2022-01-10): statement 3<br>Seller Comment (2022-01-10): statement 1<br>Seller Comment (2022-01-10): statement 2 | 01/11/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | AUS requires a copy of the cash flow analysis, form 1084 or equivalent be in file; documentation was missing from the loan file. |  |  |  | Reviewer Comment (2022-01-13): 1/13/2022 Cleared. Documentation provided.<br>Seller Comment (2022-01-12): Worksheet | 01/13/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | No asset documentation was in file |  |  |  | Reviewer Comment (2022-01-11): Asset information received - exception cleared<br>Seller Comment (2022-01-10): Uploaded statements should satisfy | 01/11/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing.; Sec ID: 1 |  | UCDP score not provided, secondary valuation product required for securitization. |  |  |  | Reviewer Comment (2022-03-18): Received Appraisal report. Verified and updated the details. Exception cleared<br>Reviewer Comment (2022-03-16): The received document is Form 442 i.e. Appraisal update report. Require a complete appraisal for the subject property. Exception remains.<br>Seller Comment (2022-03-15): Appraisal | 03/18/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | Original Appraisal not in file. 442 in file dated XX/XX/XX after disaster date |  |  |  | Reviewer Comment (2022-03-18): Received Appraisal report. Verified and updated the details. Exception cleared<br>Reviewer Comment (2022-03-16): The disaster is question is SEVERE STORMS AND FLOODING with an end date of XX/XX/XX. Require a complete appraisal for the subject property to clear this exception, we have received only 442 form. Exception remains.<br>Seller Comment (2022-03-15): Please advise what disaster occurred | 03/18/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Aus not found in file |  |  |  | Reviewer Comment (2022-03-15): Received AUS and associated. Exception cleared.<br>Seller Comment (2022-03-14): AUS | 03/15/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  | Appraisal is missing from file. |  |  |  | Reviewer Comment (2022-03-18): Received Appraisal report. Verified and updated the details. Exception cleared<br>Seller Comment (2022-03-16): Complete Appraisal<br>Reviewer Comment (2022-03-15): Received 442 - Completion Certificate which was already there in file. Please send us Original Appraisal. Exception remains.<br>Seller Comment (2022-03-14): Appraisal | 03/18/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Property Taxes ($XXXX), Insurance ($XXXX) total $XXXX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-08): XXXXX received attestation certifying consummation date. | 04/08/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $800.00 exceeds tolerance of $660.00. Insufficient or no cure was provided to the borrower. | Lenders Title Ins was last disclosed as 660.00 on LE but disclosed as $800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $140.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-15): XXXXX received LE dated XX/XX/XX and XX/XX/XX, hence after review exception has been cleared.<br>Seller Comment (2022-03-14): Please note, Title fees are shopped for. | 03/15/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Title Recording Service fee was not disclosed on LE but disclosed as $100.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $100.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-15): XXXXX received LE dated XX/XX/XX and XX/XX/XX, hence after review exception has been cleared.<br>Seller Comment (2022-03-14): Please note, Title fees are shopped for. | 03/15/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee. Fee Amount of $2,062.50 exceeds tolerance of $2,016.50. Insufficient or no cure was provided to the borrower. | Rate lock Fee was last disclosed as $2,016.50 on LE but disclosed as $2,062.52 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $46.02, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-29): Security instrument contains incomplete notary date. Note date is being used for testing closing date.<br>Reviewer Comment (2022-03-29): XXXXX received XX/XX/XX Changed Circumstance and XX/XX/XX Changed Circumstance. However, the XX/XX/XX CD and COC removed the Rate Lock Extension fee, which was then added back on the XX/XX/XX Post Close (Corrected CD). Closing date is being captured as XX/XX/XX which is same date as the Deed of Trust. The notary acknowledgement is missing a date and as such the document date is used. As the XX/XX/XX CD would then be dated after XX/XX/XX, it is now considered a Post Close CD for which a changed of circumstance can not be valid after close. Cure would be due borrower with Corrected CD, LOE to borrower, copy of refund check and proof of mailing. If the notary date differed, typically these types of issues are addressed with a Scrivener's Affidavit identifying the incorrect date that was completed by the notary and the correct date.<br>Seller Comment (2022-03-28): COCs<br>Reviewer Comment (2022-03-15): XXXXX upon review have COC available for the rate lock fee added on the CD dated XX/XX/XX and XX/XX/XX however we require a valid COC for the fee increased on the CD dated XX/XX/XX for $2062.50 or provide cure along with cure documents.<br>Seller Comment (2022-03-14): COC | 03/29/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Required Data (other than HUD-1 or Note) | Payoff Statement Missing | Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. | Payoff not found on file |  |  |  | Reviewer Comment (2022-03-29): Closing date using note date.<br>Seller Comment (2022-03-29): Deed of Conveyance<br>Reviewer Comment (2022-03-23): Received Mortgage Payoff statement from XXXXX for subject property with account numbers #XXXXX, #XXXXX HELOC account verified with Final CD updated the details. Please provide Close out letter for the HELOC account #XXXXX from lender confirming account has been closed. Exception Remains<br>Seller Comment (2022-03-21): Payoff & HELOC<br>Reviewer Comment (2022-03-16): Require payoff letter from lender - XXXXX for both the liens on the subject property with account number #XXXXX and #XXXXX and a close-out letter for the HELOC account #XXXXX from lender confirming account has been closed. Exception remains.<br>Seller Comment (2022-03-15): XXXXX<br>Seller Comment (2022-03-15): Would the attached suffice or does it need to be on letterhead?<br>Reviewer Comment (2022-03-15): Did not receive Payoff statement for lien with XXXXX- account #XXXXX and #XXXXX. Exception remains.<br>Seller Comment (2022-03-14): Payoff Stmt | 03/29/2022 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File | TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $13,425.75 may be required. | Loan estimate not found in file to complete tolerance testing |  |  |  | Reviewer Comment (2022-03-15): XXXXX received LEs.<br>Seller Comment (2022-03-14): LE & Disclosure Tracking | 03/15/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | Finance Charge disclosed is $581,643.68. Calculated finance charge is $583,492.38. Variance of $81,848.70. Based on review of Lender's compliance report, Title sales tax title insurance fee was not included in finance charge calculation. 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 |  |  |  | Reviewer Comment (2022-04-08): XXXXX received attestation certifying consummation date.<br>Reviewer Comment (2022-04-04): XXXXX received copy of Security Instrument that now has a typed in date for notary, which was previously a blank. However, must provide either a Scrivener's affidavit for the omission and insertion of a date on the security instrument or an Attestation certifying the date the borrower signed the promissory Note.<br>Seller Comment (2022-03-31): DOT w/notary date<br>Reviewer Comment (2022-03-29): Security instrument contains incomplete notary date. Note date is being used for testing closing date. Provide attestation of closing date for testing.<br>Seller Comment (2022-03-28): The actual closing was XX/XX/XX and not XX/XX/XX, but the Final CD dated XX/XX/XX has the incorrect Closing date of XX/XX/XX. It should be XX/XX/XX as that is when the borrower signed all the docs. What is needed to correct this issue?<br>Reviewer Comment (2022-03-22): XX/XX/XX CD shows closing date of XX/XX/XX, which makes it a PCCD. Testing is taking place using the XX/XX/XX CD as final CD. The XX/XX/XX CD adds a rate lock extension fee. Provide Interim CD if not included in original loan file, or cure.<br>Seller Comment (2022-03-21): Please advise on the calculation on what fees are included in the Finance Charge as the XXXXX in the file pass. | 04/08/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | Disclosure reflects TOP of $581,643.68 but calculated TOP of $583,492.38. Variance = -$1,848.70. |  |  |  | Reviewer Comment (2022-04-08): XXXXX received attestation certifying consummation date.<br>Seller Comment (2022-04-06): Note Attestation<br>Reviewer Comment (2022-04-04): XXXXX received copy of Security Instrument that now has a typed in date for notary, which was previously a blank. However, must provide either a Scrivener's affidavit for the omission and insertion of a date on the security instrument or an Attestation certifying the date the borrower signed the promissory Note.<br>Seller Comment (2022-03-31): DOT w/notary date<br>Reviewer Comment (2022-03-29): Security instrument contains incomplete notary date. Note date is being used for testing closing date. Provide attestation of closing date for testing. | 04/08/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Overdisclosed | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. | The final CD disclosed the amount of monthly escrowed property payment as $455.68 however actual cost are $468.51. Provide a post-close CD correcting the escrow account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2022-03-09): Sufficient Cure Provided At Closing |  | 03/09/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. | The final CD disclosed the amount of monthly escrowed property payment as $455.68 however actual cost are $468.51. Provide a post-close CD correcting the escrow account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made |  |  |  | Reviewer Comment (2022-04-08): XXXXX received attestation certifying consummation date.<br>Reviewer Comment (2022-03-28): XXXXX received XX/XX/XX CD however as consummation date per the security instrument is XX/XX/XX it is considered a PCCD. Please provide LOE to cure.<br>Seller Comment (2022-03-24): This is the final CD dated XX/XX/XX | 04/08/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | Security instrument does not contain complete notary date. |  |  |  | Reviewer Comment (2022-04-06): Client elects to waive. |  |  | 04/06/2022 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $2,062.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Security instrument contains incomplete notary date. Note date is being used for testing closing date. Provide attestation of closing date for testing. |  |  |  | Reviewer Comment (2022-04-18): XXXXX upon further review received CD dated XX/XX/XX and a valid COC XX/XX/XX for Extension Fee increases.<br>Seller Comment (2022-04-15): CD XX/XX/XX<br>Reviewer Comment (2022-04-15): XXXXX - Since lock extension fee was removed on CD XX/XX/XX, fee was re-baselined. COC dated XX/XX/XX & XX/XX/XX show lock was extended, however, there are no LE/CD disclosed within 3 business days from XX/XX/XX & XX/XX/XX COC date. Extension fee was then added again on XX/XX/XX CD for $2062.50 for which there is no valid COC. Please provide any missing LE/CD for COC dated XX/XX/XX & XX/XX/XX or else a valid COC for fee added on XX/XX/XX CD or cure documents. Exception remains.<br>Seller Comment (2022-04-15): We've uploaded the COC for the lock extension fees for XX/XX/XX & XX/XX/XX. The lock extension fees were removed on the CD dated XX/XX/XX, which voids the lock extension fees that were added on XX/XX/XX & XX/XX/XX. This should satisfy the requirement for the COCs. Please advise what increased on the XX/XX/XX Final CD as there was no change in fees.<br>Seller Comment (2022-04-15): COCs dated XX/XX/XX & XX/XX/XX<br>Reviewer Comment (2022-04-12): "XXXXX extension fee was initially added on XX/XX/XX CD of $1008.25 and on XX/XX/XX CD of $2016.50 and we do have COC for XX/XX/XX and for XX/XX/XX however it was directly disclosed on XX/XX/XX (final CD) of $2062.50 so we need a valid COC for XX/XX/XX which can explain why the fee was increased on XX/XX/XX or required cure in order to clear this exception.<br>Seller Comment (2022-04-12): Please note, the extensions were done on XX/XX/XX and XX/XX/XX each for $1031.25 for a total of $2062.50. There was not an additional extension done on XX/XX/XX. The lock extension fee was previously disclosed via COC and CD on XX/XX/XX and XX/XX/XX.<br>Reviewer Comment (2022-04-11): XXXXX upon review already have COC dated XX/XX/XX and XX/XX/XX. We will require a valid COC for the Extension Fee increased on the CD dated XX/XX/XX for $2062.50. Please provide a valid COC within 3 business days from the CD dated XX/XX/XX or cure required.<br>Seller Comment (2022-04-11): Please advise if these COCs would satisfy this condition. Thank you<br>Seller Comment (2022-04-11): COCs | 04/18/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $68.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. | Tax Service (Life of Loan)Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-27): Sufficient Cure Provided within 60 Days of Closing |  | 01/27/2022 |  | 1 A |  | XX | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) are $XXXX per year. <br> Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly. The correct amount is $XXXX. <br> Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1 and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Please note that page 4 of the CD shows non-escrowed property costs over Year 1 as $XXXX, but no documentation was found. |  |  |  | Reviewer Comment (2022-01-26): PCCD & LOE provided as trailing docs<br>Seller Comment (2022-01-25): PCCD, LOE, FedEx<br>Seller Comment (2022-01-25): HC 1/25 - See attached PCCD, LOE, and FedEx label |  | 01/26/2022 |  | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Reviewed file and Security Instrument was not provided. |  |  |  | Reviewer Comment (2022-01-19): Security instrument received & associated. Exception cleared.<br>Seller Comment (2022-01-18): 1/18 - MJP: Please see attached security instrument | 01/19/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $940.00 exceeds tolerance of $930.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-03): Sufficient Cure Provided At Closing |  | 01/03/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $76.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-03): Sufficient Cure Provided At Closing |  | 01/03/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $83.40 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-01-03): Sufficient Cure Provided At Closing |  | 01/03/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP). Fee Amount of $18,177.98 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation (YSP). Fee was last disclosed as $0.00 on LE but disclosed as $18,177.98 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $18,177.98, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-01): XXXXX received COC dated XX/XX/XX.<br>Seller Comment (2022-01-31): CS XX/XX/XX The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On XX/XX/XX there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure on XX/XX/XX. Please see attached Closing disclosure and Change Of Circumstance form. | 02/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $54.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Verification Of Employment Fee was last disclosed as $0.00 on LE but disclosed as $54.95 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $54.95, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-01): XXXXX received clarification, cure provided at closing.<br>Seller Comment (2022-01-31): CS XX/XX/XX Please see attached Final Closing Disclosure and tolerance breakdown that show a credit was given to the borrower at closing in the form of a tolerance in the amount of $169.98 in section J on the Closing Disclosure, $54.95 for the increase in VOE from $0 to $54.95. | 02/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,779.93 exceeds tolerance of $4,665.00. Insufficient or no cure was provided to the borrower. | Transfer Tax. Fee was last disclosed as $4,665.00 on LE but disclosed as $4,779.93 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $114.93, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-01): XXXXX received clarification, cure provided at closing.<br>Seller Comment (2022-01-31): CS XX/XX/XX Please see attached Final Closing Disclosure and tolerance breakdown that show a credit was given to the borrower at closing in the form of a tolerance in the amount of $169.98 in section J on the Closing Disclosure, $115.03 for the increase in Transfer Taxes from $4,664.90 to $4,779.93. The State Taxes were initially set at $3,738 and the Transfer Taxes were initially set at $926.90 for a total of $4,664.90 (rounded to $4,665 on the LE - Per TILA Comment 1029.19(e)(3)(i)-7 the tolerance calculation should be using the unrounded LE numbers instead of the rounded LE numbers - see regs - Use of unrounded numbers. Sections 1026.37(o)(4) and 1026.38(t)(4) require that the dollar amounts of certain charges disclosed on the Loan Estimate and Closing Disclosure, respectively, to be rounded to the nearest whole dollar. However, to conduct the good faith analysis required under §1026.19(e)(3)(i) and (ii), the creditor should use unrounded numbers to compare the actual charge paid by or imposed on the consumer for a settlement service with the estimated cost of the service). The State Taxes ended at $3,737 and the Transfer Taxes ended at $1,042.93 for a total of $4,779.93. A tolerance credit was given for the difference of $115.03. | 02/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Mortgage Insurance Certificate (MIC) not provided |  |  |  |  |  | Reviewer Comment (2022-02-01): As per 1008 and 1003 loan is convention without MI hence Mortgage insurance certificate is not required. Exception Cleared.<br>Seller Comment (2022-01-31): XX/XX/XX AMB: Please rescind. Mortgage insurance is not required on Jumbo loans, nor loans with a Jumbo product. | 02/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $54.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-02-01): Sufficient Cure Provided At Closing |  | 02/01/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,779.93 exceeds tolerance of $4,665.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-02-01): Sufficient Cure Provided At Closing |  | 02/01/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $750.00 on LE but disclosed as $800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-10): Sufficient Cure Provided At Closing |  | 01/10/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review Fee was no disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-01-10): Sufficient Cure Provided At Closing |  | 01/10/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified assets in XXXXX account is less than amount used on AUS. |  |  |  | Reviewer Comment (2022-01-31): Updated assets with documentation.<br>Seller Comment (2022-01-28): XX/XX/XX - MJP: Please rescind. Asset statement reflects over 2 months, has name of borrower, at least last four digits of account number, and not missing pages.<br>Reviewer Comment (2022-01-27): Received Bank statement with balance of XXXXX dated XX/XX/XX however unable to verify complete transaction history hence not considered, Verified Assets XXXXX and required for closing is XXXXX there is short of XXXXX Please provide assets documents to verify. Exception Remains<br>Seller Comment (2022-01-26): XX/XX/XX - MJP: Please see attached Asset statement. | 01/31/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $444,000. Coverage must be at least the lessor of the cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-02-15): Replacement cost estimate supporting current coverage was provided.<br>Seller Comment (2022-02-14): uploaded the replacement cost<br>Reviewer Comment (2022-02-10): Dwelling coverage is $500,000 and Extended Coverage is 20% of dwelling which is $100,000. Loan Amount is $XXXX. Dwelling + coverage is still not sufficient to cover the loan amount. Please provide us with HOI policy with coverage sufficient to cover the loan amount or send us the replacement cost estimator from the insurance company. Exception remains.<br>Seller Comment (2022-02-09): Hazard Insurance with additional coverage | 02/15/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | The file was missing required assets verification. Per guidelines, assets to be used for down payment, closing cots, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide statements. |  |  |  | Reviewer Comment (2022-02-10): Bank statement received. Verified and updated. Exception cleared<br>Seller Comment (2022-02-09): uploaded Bank statements and retirement for review | 02/10/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2022-02-10): Bank statement received. Verified and updated. Exception cleared<br>Seller Comment (2022-02-09): uploaded the DU, Transmittal and Loan Approval for review | 02/10/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $123.50 exceeds tolerance of $55.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee disclosed was last disclosed as $55 on LE but disclosed as $123.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  |  |  | 03/03/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Statement for mortgage with XXXXX, Insurance verification & tax verification not provided. |  |  |  | Reviewer Comment (2022-03-14): Updated 1003 received with no monthly dues amount verified. Exception cleared.<br>Seller Comment (2022-03-10): XX/XX/XX - MJP: Please see updated 1003 without REO liabilities. There are no other expense, amount was left in to be more conservative.<br>Reviewer Comment (2022-03-10): As per final 1003, XXXXX has a monthly payment towards taxes, insurance, HOA etc of $XXXX. Since, taxes and insurance are escrowed, provide evidence for the amount. Exception remains.<br>Seller Comment (2022-03-08): XX/XX/XX - MJP: Please see attached credit supplement confirming taxes and insurance are escrowed for property XXXXX. | 03/14/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | HOA verification not provided. |  |  |  | Reviewer Comment (2022-03-10): HOA dues amount verified with the LOX provided. Exception cleared.<br>Reviewer Comment (2022-03-10): Attached LOX doesn't verify the HOA dues for XXXXX. Please provide HOA verification document. Exception remains.<br>Seller Comment (2022-03-08): XX/XX/XX - MJP: Please see attached LOX from HOA association XXXXX confirming HOA dues for REO located at XXXXX. | 03/10/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $1,190,000.00 of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-16): Client elects to waive. |  |  | 03/16/2022 | 2 B |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-17): Received XXXXX Desk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 03/17/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-03-17): Received XXXXX Desk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-03-15): Valuation Received - XX/XX/XX | 03/17/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The Amount of Estimated Property Costs over Year 1 should reflect XX months. Amount on CD was for XX months. |  |  |  | Reviewer Comment (2022-03-16): Client elects to waive. |  |  | 03/16/2022 | 2 B |  | XX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Property Inspection Fee was last disclosed as $0.00 on LE but disclosed as $125.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-23): XXXXX received valid documents no further action required<br>Seller Comment (2022-03-22): rebuttal letter | 03/23/2022 |  |  | 1 C A |  | XX | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $387.20 exceeds tolerance of $260.00 plus 10% or $286.00. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $260.00 plus 10% or $286.00 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $260.00 plus 10% or $286.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-23): XXXXX upon further review as cure provided at closing no further action required<br>Seller Comment (2022-03-22): Rebuttal letter | 03/23/2022 |  |  | 1 C A |  | XX | Second Home | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $387.20 exceeds tolerance of $260.00 plus 10% or $286.00. Sufficient or excess cure was provided to the borrower at Closing. | XXXXX upon further review as cure provided at closing no further action required |  |  |  | Reviewer Comment (2022-03-23): Sufficient Cure Provided At Closing |  | 03/23/2022 |  | 1 A |  | XX | Second Home | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $30.00 due to additional fees. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-16): Sufficient Cure Provided At Closing |  | 03/16/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,100.00 exceeds tolerance of $1,000.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1,00.00 on LE but disclosed as $1,100.00 on Final Closing Disclosure. File does contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-16): Sufficient Cure Provided At Closing |  | 03/16/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The Mortgage Statement and Insurance information were not found in the file for the property located at XXXX. |  |  |  | Reviewer Comment (2022-03-10): 1003 received with correct monthly expenses mentioned for the property. HOA expense verified from CD provided. Exception cleared.<br>Seller Comment (2022-03-08): 3/8 - MJP: Please see attached 1003 with correct expenses listed.<br>Reviewer Comment (2022-03-08): As per Final 1003, other expenses are $XXX. And as per Final CD, Mortgage payment of $XXXX is escrowed and HOA dues are $XXXX verified from page of CD. Clarify over the variance of $XXXX and provide supporting document to verify it. Exception remains.<br>Seller Comment (2022-03-04): 3/4 JH: Please see the final CD and HOI policy to support the property expenses for the REO located at XXXXX. The property is a recent acquisition so a mortgage statement would not be applicable.<br>Seller Comment (2022-03-04): PITI<br>Seller Comment (2022-03-04): HOI | 03/10/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-03-11): Received Final Title Policy, Exception Cleared | 03/11/2022 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $26,350.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Origination Fee was last disclosed as $0.00on LE but disclosed as $26,350.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-18): XXXXX received COC dated XX/XX/XX, Rate Lock dated XX/XX/XX.<br>Seller Comment (2022-03-16): CS XX/XX/XX The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On XX/XX/XX there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a LE that went out following for re-disclosure. Please see attached LE and Change Of Circumstance form. | 03/18/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $75.00 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $75.00 on LE but disclosed as $50.00on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-18): XXXXX received clarification, cure provided at closing.<br>Seller Comment (2022-03-16): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $25 in section J on the Closing Disclosure for the increase in Credit Report from $50 to $75. | 03/18/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | 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 XX/XX/XX 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. | There is no Homeowners Insurance listed under Section H. Other costs. |  |  |  | Reviewer Comment (2022-03-16): Client elects to waive.<br>Seller Comment (2022-03-16): Disagree: Homeowners Insurance is not disclosed in Section H. Consumer is prepaying 12 months of HI (correctly in Section F) and escrowing three months (correctly in Section G). Closing Disclosure is correct. |  |  | 03/16/2022 | 2 B |  | XX | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The Preliminary Title Report in file did not disclose the amount of title insurance coverage. Please provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-11): Received Title policy along with coverage amount, Exception Cleared<br>Seller Comment (2022-03-10): XX/XX/XX RF see attached, please clear thank you | 03/11/2022 |  |  | 1 B A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Provide documentation verifying the reason for excluding the PITI for the borrowers second home, located at XXXXX, from the qualifying DTI. |  |  |  | Reviewer Comment (2022-03-31): Documentation provided, exception cleared.<br>Reviewer Comment (2022-03-21): Income = Borrower 1 - XXXX, Borrower 2 - $XXXX, XXXXX - $XXX. Debt = Credit Debt -$XXXX, Primary Residence on XXXXX = -$XXXX, Second Home on XXXXX = -$XXXX. Totals calculate to a total DTI of XX%, Guideline is XX%.<br>Reviewer Comment (2022-03-17): Inclusion of PITI amount of $XXXX for XXXXX takes the total DTI from XX%, within Guidelines, to XX% which is above the Guideline of XX%.<br>Seller Comment (2022-03-15): XX/XX/XX DL: Please rescind. The PITI for borrower's second home located at XXXXX. was included in DTI. XXXXX XXXXX with a payment of $XXXX was used for qualification. | 03/31/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-04-12): Explanation provided regarding paydown of XXXXX installment through closing in order to exclude the remaining balance payment as less than 10 months remaining.<br>Seller Comment (2022-04-12): XX/XX/XX - MJP: Borrower paid XXXXX account down to $XXXX from $XXXX from loan. With a monthly payment of $XXXX, we are allowed to exclude this liability for having 10 months or less in payments remaining.<br>Reviewer Comment (2022-04-05): The final 1003 lists 2 separate XXXXX accounts, the first with $XXXX balance and $XXXX payment, second has $XXXX with $XXXX payment. The credit report reflects a XXXXX account with a $XXXX balance and a $XXXX payment. The final CD indicates $XXXX account was paid off. Provide clarification and verification regarding the account with a $XXXX balance.<br>Seller Comment (2022-04-01): XX/XX/XX - MJP: Please note that the only liabilities borrower is required to pay are the following: XXXXX $XXXX + XXXXX taxes and Insurance $XXXX + $XXXX = $XXXX.<br>Reviewer Comment (2022-03-31): Bank Statements provided verifying XXXXX Auto payment of $XXXX is made by another party. Scheduled Payment indicated on the Credit Report is $XXX, and the Actual Payment is $XXXX. The payment applied to the Borrowers debt is the Scheduled Payment of $XXXX, removing this payment leaves the Total DTI at XX%, Guideline is XX%. Exception Remains<br>Seller Comment (2022-03-29): XX/XX/XX - MJP: Please see attached documentation for XXXXX which is not owned by the borrower, confirming payments for Auto payment. Also see updated 1003.<br>Reviewer Comment (2022-03-21): Income = Borrower 1 -$XXXX, Borrower 2 - $XXXX, XXXXX - $XXXX. Debt = Credit Debt -$5XXXX, Primary Residence on XXXXX = -$XXXX, Second Home on XXXXX = -$XXXX. Totals calculate to a total DTI of XX%, Guideline is XX%.<br>Seller Comment (2022-03-18): XX/XX/XX - MJP: Please see attached AUS including payment of $XXXX for XXXXX, which is attached to property located t XXXXX. | 04/12/2022 |  |  | 1 A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% significantly exceed the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | Inclusion of PITI amount of $XXXX for XXXXX takes the total DTI from XX%, within Guidelines, to XX% which is above the Guideline of XX%. |  |  |  | Reviewer Comment (2022-04-12): Explanation provided regarding paydown of XXXXX installment through closing in order to exclude the remaining balance payment as less than 10 months remaining.<br>Seller Comment (2022-04-12): XX/XX/XX - MJP: Borrower paid XXXXX account down to $XXXX from $XXXX from loan. With a monthly payment of $XXXX, we are allowed to exclude this liability for having 10 months or less in payments remaining.<br>Reviewer Comment (2022-04-06): The final 1003 lists 2 separate XXXXX accounts, the first with $XXXX balance and $XXXX payment, second has $XXXX with $XXXX payment. The credit report reflects a XXXXX account with a $XXXX balance and a $XXXX payment. The final CD indicates $XXXX account was paid off. Provide clarification and verification regarding the account with a $XXXX balance.<br>Reviewer Comment (2022-04-05): The final 1003 lists 2 separate XXXXX accounts, the first with $XXXX balance and $XXXX payment, second has $XXXXwith $XXXX payment. The credit report reflects a XXXXX account with a $XXXX balance and a $XXXX payment. The final CD indicates $XXXXaccount was paid off. Provide clarification and verification regarding the account with a $XXXX balance.<br>Seller Comment (2022-04-05): XX/XX/XX - MJP: Please note that XXXXX account with a monthly payment of $XXXX was paid off in closing, sufficient assets documented.<br>Reviewer Comment (2022-04-04): Provide evidence the Borrower is not responsible for payments of $XXXX to XXXXX with a balance of $XXXX.<br>Seller Comment (2022-04-01): XX/XX/XX - MJP: Please note that the only liabilities borrower is required to pay are the following: XXXXX $XXXX + XXXXX taxes and Insurance $XXXX + $XXXXX = $XXXX.<br>Reviewer Comment (2022-03-31): Bank Statements provided verifying XXXXX Auto payment of $XXXX is made by another party. Scheduled Payment indicated on the Credit Report is $XXXX, and the Actual Payment is $XXXX. The payment applied to the Borrowers debt is the Scheduled Payment of $XXXX, removing this payment leaves the Total DTI at XX%, Guideline is XX%. Exception Remains<br>Seller Comment (2022-03-29): XX/XX/XX - MJP: Also see updated 1003<br>Seller Comment (2022-03-29): XX/XX/XX - MJP: Please see attached documentation for XXXXX which is not owned by the borrower, confirming payments for Auto payment.<br>Reviewer Comment (2022-03-23): There are 2 XXXXX accounts listed on the Borrowers 1003, one reflects a balance of $XXXX and payment $XXXX, the second balance is $XXXX with payment of $XXXX, the credit report shows $XXXX balance. Payoff statement from XXXXX reflects a $XXXX balance, however does not confirm payoff, provide clarification and evidence of payoff. Please also provide evidence XXXXX is paid by a different party.<br>Seller Comment (2022-03-22): XX/XX/XX - MJP: Please note the following. XXXXX is excluded due to 10 months or less payments remaining. XXXXX is paid by others. XXXX is not the borrowers. also XXXXX = $XXXX per month due to being escrowed. See attached mortgage statement.<br>Reviewer Comment (2022-03-21): Income = Borrower 1 -$XXXX, Borrower 2 - $XXXX, XXXXX - $XXXX. Debt = Credit Debt -$XXXX, Primary Residence on XXXXX = -$XXXX, Second Home on XXXXX = -$XXXX. Totals calculate to a total DTI of XX%, Guideline is XX%.<br>Seller Comment (2022-03-18): XX/XX/XX - MJP: Please see attached AUS including payment of $XXXX for XXXXX, which is attached to property located t XXXXX. | 04/12/2022 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Inclusion of PITI amount of $3153.00 for XXXXX takes the total DTI from XX%, within Guidelines, to XX% which is above the Guideline of XX%. |  |  |  | Reviewer Comment (2022-04-12): Explanation provided regarding paydown of XXXXX installment through closing in order to exclude the remaining balance payment as less than 10 months remaining.<br>Seller Comment (2022-04-12): XX/XX/XX - MJP: Borrower paid XXXXX account down to $18,000 from $25,518.67 from loan. With a monthly payment of $18,000, we are allowed to exclude this liability for having 10 months or less in payments remaining.<br>Reviewer Comment (2022-04-05): The final 1003 lists 2 separate XXXXX accounts, the first with $18,000.00 balance and $1847.00 payment, second has $25,518.67 with $1847.00 payment. The credit report reflects a XXXXX account with a $47,433.00 balance and a $1847.00 payment. The final CD indicates $25,518.67 account was paid off. Provide clarification and verification regarding the account with a $47,433.00 balance.<br>Seller Comment (2022-04-05): XX/XX/XX - MJP: Please note that XXXXX account with a monthly payment of $1,847 was paid off in closing, sufficient assets documented.<br>Reviewer Comment (2022-04-04): Provide evidence the Borrower is not responsible for payments of $1,847.00 to XXXXX with a balance of $43,518.67.<br>Seller Comment (2022-04-01): XX/XX/XX - MJP: Please note that the only liabilities borrower is required to pay are the following: XXXXX $3,153 + XXXXX taxes and Insurance $220.08 + $8,331.72 = $11,704.80.<br>Reviewer Comment (2022-03-31): Bank Statements provided verifying XXXXX Auto payment of $2042.92 is made by another party. Scheduled Payment indicated on the Credit Report is $1342, and the Actual Payment is $2042. The payment applied to the Borrowers debt is the Scheduled Payment of $1342, removing this payment leaves the Total DTI at XX%, Guideline is XX%. Exception Remains<br>Seller Comment (2022-03-29): XX/XX/XX - MJP: Also see updated 1003<br>Seller Comment (2022-03-29): XX/XX/XX - MJP: Please see attached documentation for XXXXX which is not owned by the borrower, confirming payments for Auto payment.<br>Reviewer Comment (2022-03-23): There are 2 XXXXX accounts listed on the Borrowers 1003, one reflects a balance of $63,027 and payment $1847, the second balance is $25,518.67 with payment of $1847, the credit report shows $47,433 balance. Payoff statement from XXXXX reflects a $43,518.67 balance, however does not confirm payoff, provide clarification and evidence of payoff. Please also provide evidence XXXXX is paid by a different party.<br>Seller Comment (2022-03-22): XX/XX/XX - MJP: Please note the following. XXXXX is excluded due to 10 months or less payments remaining. XXXXX is paid by others. XXXX is not the borrowers. also XXXXX = $3,153 per month due to being escrowed. See attached mortgage statement.<br>Reviewer Comment (2022-03-21): Income = Borrower 1 -$20,401.07, Borrower 2 - $4004.98, XXXXX - $1279.92. Debt = Credit Debt -$5358.00, Primary Residence on XXXXX = -$8331.72, Second Home on XXXXX = -$3153. Totals calculate to a total DTI of XX%, Guideline is XX%.<br>Seller Comment (2022-03-18): XX/XX/XX - MJP: Please see attached AUS including payment of $3,153.00 for XXXXX, which is attached to property located t XXXXX. | 04/12/2022 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $75.00 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-03-18): Sufficient Cure Provided At Closing |  | 03/18/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-04-12): Explanation provided regarding paydown of XXXXX installment through closing in order to exclude the remaining balance payment as less than 10 months remaining.<br>Seller Comment (2022-04-12): XX/XX/XX - MJP: Borrower paid XXXXX account down to $XXXX from $XXXX from loan. With a monthly payment of $XXXX, we are allowed to exclude this liability for having 10 months or less in payments remaining.<br>Seller Comment (2022-04-08): XX/XX/XX - MJP: Please see updated 1008, 1003, and AUS findings.<br>Reviewer Comment (2022-04-06): The final 1003 lists 2 separate XXXXX accounts, the first with $XXXX balance and $XXXX payment, second has $XXXX with $1847.00 payment. The credit report reflects a XXXXX account with a $XXXX balance and a $XXXX payment. The final CD indicates $XXXX account was paid off. Provide clarification and verification regarding the account with a $XXXX balance.<br>Seller Comment (2022-04-05): XX/XX/XX - MJP: Please note that XXXXX account with a monthly payment of $XXXX was paid off in closing, sufficient assets documented. | 04/12/2022 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-14): XXXXX report associated & exception cleared. | 03/14/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $739.72 exceeds tolerance of $710.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee disclosed was last disclosed as $710.00 on LE but disclosed as $739.72 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-03): Sufficient Cure Provided At Closing |  | 03/03/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $62.00 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee disclosed was last disclosed as $50.00 on LE but disclosed as $62.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-03): Sufficient Cure Provided At Closing |  | 03/03/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-03-14): XXXXX report associated & exception cleared.<br>Reviewer Comment (2022-03-11): Valuation Received - XX/XX/XX | 03/14/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Debt Consolidation | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-11): CDA received and verified the details. Exception cleared | 03/11/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-03-11): CDA received and verified the details. Exception cleared<br>Reviewer Comment (2022-03-09): Valuation Received - XX/XX/XX | 03/11/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | The Current Title Commitment has a Title Policy Amount of XXXXX which does not cover the Note Loan Amount of XXXXX creating a variance of XXXXX. |  |  |  | Reviewer Comment (2021-09-23): Received Title Commitment with updated Title Policy Amount of XXXXX. Exception cleared.<br>Buyer Comment (2021-09-22): Revised Title commitment | 09/23/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Insurance Verification & Mortgage Statements and/or Proof Property is Free & Clear |  |  |  | Reviewer Comment (2021-12-02): REO documentation for the properties used to qualify was provided.<br>Buyer Comment (2021-11-30): Comment from lender: All commercial properties wee not excluded. Rental income is being used for XXXXX and XXXXX. All expenses and income has been documented for these properties. The others have been excluded, per the LP findings.<br>Reviewer Comment (2021-11-29): Borrower is qualifying solely off rental income per UW Income Analysis and 1003. Please provide updated Income worksheet reflecting the actual income used to qualify if all commercial properties are to be excluded. Per the XXXXX Sched E and Property Profiles provided XXXXX is the only remaining non-commercial property.<br>Buyer Comment (2021-11-26): these properties are not in the borrower's name and do not need to be verified or included in DTI<br>Reviewer Comment (2021-11-24): Insurance and Statement docs still not received. Exception Remains.<br>Buyer Comment (2021-11-22): see attached<br>Reviewer Comment (2021-09-30): Received LOX however we need supporting documentation related to insurance and we also need a mortgage statement to verify escrow, exception remains.<br>Buyer Comment (2021-09-29): REO documents | 12/02/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Final Title Policy Coverage is less than Original Loan Amount. |  | Proposed policy amount of XXXXX is lower than final loan amount of XXXXX |  |  |  | Reviewer Comment (2021-10-28): Final Title Policy received with correct loan amount, exception cleared.<br>Buyer Comment (2021-10-27): Short Form Title Policy Uploaded. | 10/28/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final title missing |  |  |  | Reviewer Comment (2021-10-28): Final Title Policy received with correct loan amount, exception cleared. | 10/28/2021 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2021-11-19): All QM related exceptions have been cleared. | 11/19/2021 |  |  | 1 B A C |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.97505% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $24,340.25 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $18,369.75 (an overage of $5,970.50 or .97505%). | Points and fees of 3.97505% exceed maximum of 3.00% |  |  |  | Reviewer Comment (2021-11-19): Undiscounted rate and price provided.<br>Buyer Comment (2021-11-18): LOX<br>Reviewer Comment (2021-10-27): Undiscounted rate received. Please provide undiscounted rate price. Discount points paid to obtain the rate is not the same as the rate price.<br>Buyer Comment (2021-10-26): Points and fees | 11/19/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing with Waiver | TILA-RESPA Integrated Disclosure: Waiver of three (3) day waiting period for Closing Disclosure due to bona fide personal financial emergency. | CD issued XX/XX/XX with a Closing Date of XX/XX/XX was not signed. Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2021-10-06): No waiver. | 10/06/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $23,345.25 exceeds tolerance of $16,784.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $16,784 on LE but disclosed as $23, 3245.25 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-11-11): XXXXX received LOX and COC dated XX/XX/XX and XX/XX/XX for increase in fee. Exception cleared.<br>Buyer Comment (2021-11-11): Please review COC LOX<br>Reviewer Comment (2021-10-27): XXXXX Received COC dated XX/XX/XX and XX/XX/XX which does not suffice the exception. Please provide valid COC with additional Information which can Explain why Loan discount points increased on LE dated XX/XX/XX and CD dated XX/XX/XX or please provide cure along with cure document.<br>Buyer Comment (2021-10-26): COC | 11/11/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,506.25 exceeds tolerance of $3,465.00. Insufficient or no cure was provided to the borrower. | Transfer tax was last disclosed as $3,465 on LE but disclosed as $3,506.25 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2021-10-27): XXXXX Received valid COC dated XX/XX/XX therefore no cure require.<br>Buyer Comment (2021-10-26): COC | 10/27/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Data Tape reflects XXXXX, however AUS Approve/Ineligible in file. |  |  |  | Reviewer Comment (2021-10-29): Client acknowledged with XXXXX. Exception cleared.<br>Buyer Comment (2021-10-27): XXXXX Loan Lock Confirmation reflects loan locked on XX/XX/XX as XXXXX. 1008 reflects AUS; Please clear this finding. | 10/29/2021 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Loan closed XX/XX/XX. Earliest CD in file is dated XX/XX/XX and is not signed, therefore mailbox rule applies. |  |  |  | Reviewer Comment (2021-10-28): XXXXX received disclosure tracking indicating the initial CD was received the same day issued.<br>Buyer Comment (2021-10-26): CD | 10/28/2021 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | This is an EV2 informational only exception. It must be waived acknowledged by client and does not affect grading. |  |  |  | Buyer Comment (2021-11-20): XXXXX tax extensions in file for personal and business (XXXXX/S-Corp) - EV2 informational |  |  | 11/20/2021 | 2 B |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $233.12 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | HOA / Condo Questionnaire Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $50.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2021-11-18): XXXXX received COC/LOE dated XX/XX/XX.<br>Buyer Comment (2021-11-17): COC is misclassified as first payment letter. D0165<br>Buyer Comment (2021-11-17): Per Lender: The changed circumstance is the fact the HOA company charges a fee for the condo questionnaire which is impossible to know prior to requesting the condo questionnaire from the HOA.<br>Reviewer Comment (2021-11-05): XXXXX upon further review received LE & LOE XX/XX/XX. It states 'Condo Questionnaire added in the amount of $233, required per HOA company' we require additional information to determine if the fee added is valid. Please provide a valid COC or cure documents.<br>Buyer Comment (2021-11-04): The provided letter with LE specifies that the fee was added as it was required per the HOA - i.e. information not previously known to the seller at application. - Please advise why this would not be considered a valid COC.<br>Reviewer Comment (2021-11-04): XXXXX upon further review received LE dated XX/XX/XX however we require valid COC for the same to specify the reason why the fee was added. Please provide valid COC or cure documents.<br>Buyer Comment (2021-11-03): COC | 11/18/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Tape Data on file states XXXXX, however AUS Approve/Ineligible in file and 1008 reflects AUS decisioning. Please confirm Program type. |  |  |  | Reviewer Comment (2021-11-02): Received client confirmation with XXXXX. Exception cleared.<br>Buyer Comment (2021-11-01): Loan is XXXXX - Please clear. | 11/02/2021 |  |  | 1 B A |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Data Tape reflects XXXXX, however AUS Approve/Ineligible in file -- Lender to Confirm Loan Program Used. |  |  |  | Reviewer Comment (2021-10-25): Client Confirmed loan to reviewed XXXXX guidelines. AUS with Approve/Ineligible risk result on the file<br>Buyer Comment (2021-10-22): This loan was submitted as an XXXXX as shown on the AUS provided and 1008. Please proceed as XXXXX and clear exception. | 10/25/2021 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Data Tape reflects Jumbo, however AUS Approve/Ineligible in file- Please confirm Program Type. |  |  |  | Reviewer Comment (2021-11-22): Confirmation received to proceed with XXXXX product, also verified from rate lock document. Exception Cleared.<br>Buyer Comment (2021-11-20): Confirming XXXXX, lock uploaded | 11/22/2021 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Data Tape reflects XXXXX program, however AUS Approve/Ineligible in file. File reviewed as XXXXX program. Please confirm program. |  |  |  | Reviewer Comment (2021-11-29): As per the below mentioned comment this is a XXXXX loan. Hence exception cleared.<br>Buyer Comment (2021-11-26): Loan Locked as XXXXX; Please see uploaded Lock Confirmation & please clear this finding. | 11/29/2021 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX. Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2021-12-03): Replacement Cost Estimator Received, exception cleared.<br>Buyer Comment (2021-12-02): RCE provided. | 12/03/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Min score of 700 per XXXXX Overlay. |  |  |  | Reviewer Comment (2021-12-03): Client confirmed loan reviewed to XXXXX. FICO meets guideline requirement.<br>Buyer Comment (2021-12-02): AUS provided for XXXXX guidelines | 12/03/2021 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $685.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-11-30): Sufficient Cure Provided At Closing |  | 11/30/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $504.00 exceeds tolerance of $250.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-11-30): Sufficient Cure Provided At Closing |  | 11/30/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $52.89 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2021-11-30): Sufficient Cure Provided At Closing |  | 11/30/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. XXXXX required for XXXXX. |  |  |  | Reviewer Comment (2021-12-03): Client confirmed loan reviewed to XXXXX. XXXXX Score < 2.5.<br>Buyer Comment (2021-12-02): AUS provided for XXXXX guidelines | 12/03/2021 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Data Tape reflects XXXXX, however AUS Approve/Ineligible not in file. 1008 states Manual underwrite. Please confirm program type. |  |  |  | Reviewer Comment (2021-12-03): Client confirmed loan reviewed to XXXXX guides. AUS provided.<br>Buyer Comment (2021-12-02): Program is XXXXX- Lender confirm, AUS provided, XXXXX lock states XXXXX | 12/03/2021 |  |  | 1 B A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $840.00 exceeds tolerance of $690.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure of $150 for appraisal fee increase was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2021-11-02): Sufficient Cure Provided At Closing |  | 11/02/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure of $25 for storage archive fee increase was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2021-11-02): Sufficient Cure Provided At Closing |  | 11/02/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $210.00 exceeds tolerance of $150.00 plus 10% or $165.00. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance of $210.00 exceeds tolerance of $150.00 plus 10% or $165.00, which is increase of $45.00. Recording Fee was disclosed as $150.00 on the Initial Loan Estimate, but disclosed as $210.00 on the Final Closing Disclosure without a valid Change of Circumstance. Cure of $45.00 disclosed on the Final Closing Disclosure is insufficient to cover the 3 tolerance violations totaling $420.00. |  |  |  | Reviewer Comment (2021-11-22): Final CD disclosed a cure of $45.00 which was insufficient to cover 3 tolerance violations totaling $420.00. Received Letter of Explanation, verified Proof of Delivery (per XXXXX, package was delivered on XX/XX/XX), Copy of Refund Check for $175.00 and Corrected CD required to cure. This documentation allowed the cure to be applied to this tolerance exception.<br>Buyer Comment (2021-11-22): please review and waive, cured at closing.<br>Buyer Comment (2021-11-17): please waive, this was cured at closing.<br>Buyer Comment (2021-11-12): please waive, this was cured at closing.<br>Buyer Comment (2021-11-09): Additional cure of 175.00<br>Buyer Comment (2021-11-09): 45.00 cure at closing<br>Reviewer Comment (2021-11-05): Received a PCCD dated XX/XX/XX, an explanation letter and proof of electronic delivery for the duplicate cure of $45.00 that was already disclosed on the Final CD.<br>The cure of $45.00 insufficient as there are 3 tolerance violations totaling $420.00. All 3 tolerance violations must be cured and the following are required: Letter of Explanation, Proof of Mail Delivery (XXXXX, XXXXX, etc.), Copy of Refund Check for $420.00 and Corrected CD. Exception remains.<br>Buyer Comment (2021-11-05): upld pccd docs for rec fee. | 11/22/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $675.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as $675.00 on the Initial Loan Estimate, but disclosed as $850.00 on the revised Loan Estimate dated XX/XX/XX and on the Final Closing Disclosure. COC issued on XX/XX/XX disclosed the reason for the change as "Appraisal Fee in Higher" however, the COC did not disclose what new information warranted an increase in the Appraisal Fee. Cure of $45.00 disclosed on the Final Closing Disclosure is insufficient to cover the 3 tolerance violations totaling $420.00. |  |  |  | Reviewer Comment (2021-11-22): Received Letter of Explanation, verified Proof of Delivery (per XXXXX, package was delivered on XX/XX/XX), Copy of Refund Check for $175.00 and Corrected CD required to cure.<br>Reviewer Comment (2021-11-22): Cured in error.<br>Reviewer Comment (2021-11-10): XXXXX received PCCD, LOE, refund check and proof of delivery. |  | 11/22/2021 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Release(s). Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Release(s) Fee was not disclosed on the Initial Loan Estimate, but disclosed as $200.00 in Section C on the Final Closing Disclosure without a valid Change of Circumstance. Cure of $45.00 disclosed on the Final Closing Disclosure is insufficient to cover the 3 tolerance violations totaling $420.00. |  |  |  | Reviewer Comment (2021-11-22): Received Letter of Explanation, verified Proof of Delivery (per XXXXX, package was delivered on XX/XX/XX) and Corrected CD, which moved the Release(s) Fee of $200.00 from Section C to Section H.<br>Reviewer Comment (2021-11-22): Cured in error.<br>Reviewer Comment (2021-11-10): XXXXX received corrected PCCD moving fee in section H. No tolerance cure is required.<br>Buyer Comment (2021-11-09): Release fee moved to the correct section of the CD | 11/22/2021 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,594.64 exceeds tolerance of $2,713.00. Insufficient or no cure was provided to the borrower. | Loan Discount points fee amount of $3594.64 exceeds tolerance of $2713.00. No cure was provided to the borrower |  |  |  | Reviewer Comment (2021-07-23): XXXXX received a valid COC for the increased fee in the loan file.<br>Buyer Comment (2021-07-22): Uploaded COCs reflecting change in discount points | 07/23/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Tax return fee amount of $25.00 exceeds tolerance of $0.00 .No cure was provided to the borrower |  |  |  | Reviewer Comment (2021-08-02): XXXXX received: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2021-07-30): Uploaded PCCD,LOE, Refund. Please clear<br>Reviewer Comment (2021-07-23): XXXXX received COC dated XX/XX/XX stating loan locked which doesn't impact the fee. Please provide a valid reason as to why the fee increased or provide cure documents.<br>Buyer Comment (2021-07-22): Uploaded COC for Tax Transcripts |  | 08/02/2021 |  | 2 C B |  | XX | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $6,860.00 exceeds tolerance of $6,800.00. Insufficient or no cure was provided to the borrower. | Broker fee amount of $6860.00 exceeds tolerance of $6800.00. No cure was provided to the borrower |  |  |  | Reviewer Comment (2021-07-23): XXXXX received a valid COC for the increased fee in the loan file.<br>Buyer Comment (2021-07-22): Uploaded COC'c for Broker Fee due to Change in loan amounts | 07/23/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Initial escrow statement does not match Final CD |  |  |  | Buyer Comment (2021-08-02): XXXXX has elected to waive this EV2 Compliance Exception.<br>Buyer Comment (2021-07-30): The IEADS is only an Estimate and is stated that on the form. Please Clear this exception.<br>Reviewer Comment (2021-07-29): IEADS does not match PC CD<br>Buyer Comment (2021-07-22): Uploaded the executed final CD and the Initial Escrow Account disclosure reflecting the payments to escrow matches the monthly $972.37 matches the CD. Please clear |  |  | 08/02/2021 | 2 B |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Loan is AUS XXXXX, AUS is missing. |  |  |  | Reviewer Comment (2021-07-26): AUS received.<br>Buyer Comment (2021-07-22): Uploaded AUS | 07/26/2021 |  |  | 1 C A |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Tax Return Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | Reviewer Comment (2021-08-20): Sufficient Cure Provided within 60 Days of Closing |  | 08/20/2021 |  | 1 A |  | XX | Second Home | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. | A cure of $150.00 is required for Appraisal Fee. |  |  |  | Reviewer Comment (2021-10-25): Sufficient Cure Provided At Closing |  | 10/25/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $225.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | A cure of $225.00 is required for Title - Abstract / Title Search. |  |  |  | Reviewer Comment (2021-10-25): Sufficient Cure Provided At Closing |  | 10/25/2021 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | Missing verification of estimated loan proceeds for sale of property. Prelim. closing statement only provided. Need evidence loan closed and final proceeds received. |  |  |  | Reviewer Comment (2021-11-04): Cleared<br>Reviewer Comment (2021-11-01): We already have the Closing Disclosure associated with us.<br> We Need evidence loan closed and final proceeds received.<br> Exception remains. | 11/04/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of $XXXX are insufficient to meet cash to close of $XXXX. Final 1008 reflects $XXXX verified, however, there are no documentation in the loan file to back this. |  |  |  | Reviewer Comment (2022-03-01): Asset verification documents received & associated to meet closing requirement. Exception cleared.<br>Seller Comment (2022-02-28): bank statements<br>Reviewer Comment (2022-02-24): Please provide bank statements for XXXX accounts(Acct#XXX, acct#XXXX, acct#XXXX), Bank funds staff XXXX acct#XXXX & XXXX 401k account as stated in Final 1003 to verify closing & reserve requirements. Exception remains.<br>Seller Comment (2022-02-23): See Assets uploaded for review | 03/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-30): CDA associated as secondary valuation. Exception cleared.<br>Seller Comment (2022-03-28): CDA<br>Reviewer Comment (2022-03-09): A secondary valuation is required for securitization if the collateral UW score is below 2.5. Exception remains.<br>Seller Comment (2022-03-08): Hi please note from my UW : 100% on the secondary valuation. That requirement is for loans delivered on or after XX/XX/XX.<br>Reviewer Comment (2022-03-03): Received UCDP Forms which is already in file, As CU Risk Score is 3.4 which requires Secondary Valuation for Subject Property, Exception Remains.<br>Seller Comment (2022-03-01): freddie and fannie SSRs<br>Reviewer Comment (2022-03-01): UCDP provided shows CU score as 3.4 which is above the guideline requirement of 2.5. Please provide Secondary valuation (CDA) to clear this exception.<br>Seller Comment (2022-02-28): UCDS<br>Reviewer Comment (2022-02-24): We already have the valuation report from XXXX. Please provide a valuation report performed by different appraisal company or else a CDA report to clear this exception. Exception remains.<br>Seller Comment (2022-02-23): uploaded updated appraisal | 03/30/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Bank Statement listed on Final 1003 not provided |  |  |  | Reviewer Comment (2022-03-04): Earnest money deposit is sourced and associated. We have sufficient funds for reserve requirement. Exception cleared.<br>Seller Comment (2022-03-03): Note from my UW <br> edgar.viveros docs fro all accounts are in the file and cash to close is XX. sufficient assets to close.<br>Reviewer Comment (2022-03-01): Please provide bank statements for Bank funds staff XXXX acct#XXXX & XXXX 401k account as stated in Final 1003 to verify reserve requirements. Exception remains.<br>Seller Comment (2022-02-28): accucheck statement<br>Reviewer Comment (2022-02-24): Please provide bank statements for XXXX accounts(Acct#XXXX, acct#XXXX, acct#XXXX), Bank funds staff federal XXXX acct#XXXX & XXXX 401k account as stated in Final 1003 to verify closing & reserve requirements. Exception remains.<br>Seller Comment (2022-02-23): uploaded guildelines, Transmittal, DU and Loan Approval | 03/04/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $1,200,000 of title insurance coverage; however this is less than the loan amount of $XXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-01): Client elects to waive.<br>Reviewer Comment (2022-02-24): The preliminary title report provided disclose $XXXX of title insurance coverage; however this is less than the loan amount of $XXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount i.e. $XXXX. Exception remains.<br>Seller Comment (2022-02-23): uploaded the corrected title |  |  | 03/01/2022 | 2 B |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement not provided for Second Home |  |  |  | Reviewer Comment (2022-02-25): Mortgage Statement Received for XXXX, Exception Cleared.<br>Seller Comment (2022-02-23): uploaded the proof HOA | 02/25/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) and HOA (XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-24): Client elects to waive.<br>Seller Comment (2022-03-23): Please review the PC CD and LOE. |  |  | 03/24/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $95.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Cure for 0% tolerance violations in the amount of $95.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $95.00 copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-25): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Seller Comment (2022-03-23): Please see the refund check, PC CD, LOE and tracking info. |  | 03/25/2022 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Reason | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure Will Not Have Escrow - Reason was not marked. |  |  |  | Reviewer Comment (2022-03-25): XXXXX received Post CD and LOX.<br>Seller Comment (2022-03-23): Please review the PC CD and LOE. |  | 03/25/2022 |  | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-03-22): Received PITIA documents and lease for investment properties<br>Seller Comment (2022-03-18): Please review 1008. Loan is ATR/QM eligible. | 03/22/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Unable to verify 25% lease income, supporting documentation was not in file. |  |  |  | Reviewer Comment (2022-03-22): Received PITIA documents and lease for investment properties<br>Seller Comment (2022-03-18): Please review the REO documents. | 03/22/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | QM AUS Program; AUS not provided. |  |  |  | Reviewer Comment (2022-03-03): AUS received. Exception cleared<br>Seller Comment (2022-03-02): uploading the aus | 03/03/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | Rate Lock not provided. |  |  |  | Reviewer Comment (2022-03-03): Rate Lock document received exception cleared<br>Seller Comment (2022-03-02): uploading the rate lock | 03/03/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Hazard Insurance Policy provided effective date XX/XX/XX after Note date of XX/XX/XX and after disbursement date of XX/XX/XX. Provide updated Hazard Insurance Policy. |  |  |  | Reviewer Comment (2022-03-08): Updated PCCD and EOI received reflected disbursement date of XX/XX/XX.<br>Seller Comment (2022-03-06): The insurance is correct it goes off the funded date in california<br>Seller Comment (2022-03-06): Hoi goes off the funded date<br>Seller Comment (2022-03-06): The loan funded on the 25 and the insurance is the 22nd in California it goes off the funded date | 03/08/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. |  |  |  |  | Reviewer Comment (2022-03-03): Rate Lock document received with rate lock date XX/XX/XX. Exception cleared<br>Seller Comment (2022-03-02): uploading the rate lock | 03/03/2022 |  |  | 1 B A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The Trust agreement was missing from the loan file. |  |  |  | Reviewer Comment (2022-03-03): Exception cleared - FNMA guides require trust agreement OR Trustee's statement. File contains Trustee's statement and verification of 3 year continuance. Exception cleared.<br>Seller Comment (2022-03-02): uploaded the trust cert. they only require a trust cert in California | 03/03/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). | The PCCD dated XX/XX/XX reflects a difference in the finance charge of $105.00 |  |  |  | Reviewer Comment (2022-04-05): Received PCCD, LOE, refund check and proof of delivery. Cleared.<br>Seller Comment (2022-03-28): tracking label<br>Seller Comment (2022-03-28): pccd and loe and check<br>Seller Comment (2022-03-28): tracking for docs<br>Seller Comment (2022-03-28): uploading the tracking pccd and loe and check<br>Seller Comment (2022-03-28): uploading the pccd loe tracking and check | 04/05/2022 |  |  | 1 A |  | XX | 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 B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | The PCCD dated XX/XX/XX reflects a difference in the TOP f $105. |  |  |  | Reviewer Comment (2022-04-05): Received PCCD, LOE, refund check and proof of delivery. Cleared.<br>Seller Comment (2022-03-30): uploaded the pccd<br>Seller Comment (2022-03-30): uploaded the loe<br>Seller Comment (2022-03-30): uploading shipping label<br>Seller Comment (2022-03-28): tracking label | 04/05/2022 |  |  | 1 A |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Not found in file |  |  |  | Reviewer Comment (2022-03-21): Received AUS Approve/Ineligible documents for subject loan updated the details. Exception Cleared<br>Seller Comment (2022-03-18): aus | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-16): UCDP report verified with CU score within threshold. Exception cleared.<br>Seller Comment (2022-03-15): UCD's XXXXX and XXXXX | 03/16/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXXverified, |  |  |  | Reviewer Comment (2022-03-21): Received bank statements #XXXXX and verified the HELOC deposited from #XXXXX amount of XXXXX sufficient Assets available. Exception Cleared<br>Seller Comment (2022-03-18): see XX/XX/XX HELOC was deposited<br>Reviewer Comment (2022-03-16): Please provide evidence of HELOC account #XXXXX funds being transferred to borrower's personal account to be utilized for assets as per Final 1003. Personal account bank statement showing this amount being credited is required. Exception remains.<br>Seller Comment (2022-03-15): bank statements | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. FProvide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-16): Client elects to waive. |  |  | 03/16/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Bank Statements - Personal not provided |  | Statements for borrowers XXXXX account were not provided. |  |  |  | Reviewer Comment (2022-03-21): Received bank statements #XXXXX and verified the HELOC deposited from #XXXXX amount of XXXXX sufficient Assets available. Exception Cleared<br>Seller Comment (2022-03-18): see on XX/XX/XX HELOC was deposited<br>Reviewer Comment (2022-03-16): Please provide evidence of HELOC account #XXXXX funds being transferred to borrower's personal account to be utilized for assets as per Final 1003. Personal account bank statement showing this amount being credited is required. Exception remains.<br>Seller Comment (2022-03-15): bank statement | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Not Provided | General QM: Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: XX%, LTV/CLTV: XX%/XX%, Credit Score: XXXX, Occupancy: Primary, Purpose: Purchase, |  |  |  |  | Reviewer Comment (2022-04-05): Required documentation was provided<br>Seller Comment (2022-03-31): HELOC | 04/05/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-04-05): Required documentation was provided<br>Seller Comment (2022-03-31): XXXXX | 04/05/2022 |  |  | 1 A |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | Proof of earnest money funds is missing |  |  |  | Reviewer Comment (2022-02-10): Cash to Close requirement is met as per AUS hence documentation/Proof for EMD is not required. Exception cleared.<br>Seller Comment (2022-02-08): Please see attached. | 02/10/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-11): XXXXX received a PCCD correcting total property costs and LOE.<br>Seller Comment (2022-02-11): Please see revised CD.<br>Reviewer Comment (2022-02-10): The annual non-escrowed costs on page 4 of the final CD do not match the loan file. Annual non-escrowed costs, per loan file, are as follows: Hazard - $4698.96, Tax - $31683.00, for a total of $36,381.96. Provide PCCD and LOE that reflects the preceding amounts in 10, 11 or 12 month breakouts, or documentation of alternative amounts, or documentation of calculation used for review.<br>Seller Comment (2022-02-08): Please see attached. |  | 02/11/2022 |  | 2 C B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. |  | Declaration details updated from final 1003 declaration form. |  |  |  | Reviewer Comment (2022-05-03): 1003 declaration update provided.<br>Seller Comment (2022-05-03): corrected page | 05/03/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2022-03-31): Seller condo warranty doc received.<br>Reviewer Comment (2022-03-30): As per AUS it is updated as limited review can be performed and we can not consider HOA questionnaire. Please provide lender's attestation confirming condo is warrantable. Exception remains.<br>Seller Comment (2022-03-28): Condo Cert<br>Reviewer Comment (2022-03-25): Subject property is Condo, Provided HOA documents is not confirming that the condominium is warrantable. Please provide documents confirming the condominium is warrantable. i.e. Lender attestation Doc / Letter from Lender or Seller stating subject Condo is warrantable is require to clear the condition. Exception Remains<br>Seller Comment (2022-03-24): Please provide an example of what letter you needed to qualify the property as warrantable<br>Reviewer Comment (2022-03-24): Received same HOA Questionnaire which is not suffice. Please provide us document from Lender or Seller confirming that subject property condo is Warrantable. Exception remains.<br>Seller Comment (2022-03-22): UW Cert<br>Reviewer Comment (2022-03-21): Provided HOA Questionnaire is not suffice to clear the condition, we require the documentation from lender/seller confirming the condo is warrantable, hence exception remains.<br>Seller Comment (2022-03-17): Docs should serve as evidence that subject property is warrantable.<br>Reviewer Comment (2022-03-16): Condo Checklist provided is not suffice to clear this citing. Please send us the lender confirmation letter stating that condo is warrantable. Exception remains.<br>Seller Comment (2022-03-14): Condo Checklist | 03/31/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | 1073 indicates Condo Dues of $XXXX/month |  |  |  | Reviewer Comment (2022-03-15): XXXXX received sales contract which states HOA due amount and also it is matching with Final CD .<br>Seller Comment (2022-03-14): HOA and HOI HOI showing the annual premium of $XXXX along with the HOA dues which reflect $XXXX monthly/ $XXXX annual = $XXXX on the final CD | 03/15/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-14): As per XXXXX state consider Closing instruction document and updated loan amount under Title screen. Exception Cleared.<br>Seller Comment (2022-03-11): Per Title: This is not a commitment - We issue preliminary reports in XXXXX. | 03/14/2022 |  |  | 1 B A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Provided 1008 has incorrect Condo Dues |  |  |  | Reviewer Comment (2022-03-18): Received updated 1008 with Condo Due amount $450.00 as per appraisal report. Exception Cleared.<br>Seller Comment (2022-03-16): 1008<br>Reviewer Comment (2022-03-14): Appraisal Document showing HOA amount is $XXXX and 1008 document is showing HOA amount is $XXXX. Please provide supporting documents to reflecting the amount of $XXXX HOA Dues. (or) To correct the HOA Due amount $XXXX in 1008 document. Exception remains.<br>Seller Comment (2022-03-11): HOA dues are correct on 1008, please see attached document verifying $XXX a month | 03/18/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Loan Underwriting Transmittal Summary (1008) not provided. |  |  |  | Reviewer Comment (2022-04-13): 1008 received. Exception cleared.<br>Seller Comment (2022-04-11): Please see attached. | 04/13/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-31): Received Desk Review Report dated XX/XX/XX from XXXXX with XXXXX value of XXXXX and with appraisal value of XXXXX which gives variance of 0.00% , verified and associated the document , hence exception cleared. | 03/31/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-03-31): Received Desk Review Report dated XX/XX/XX from XXXXX with XXXXX value of XXXXX and with appraisal value of XXXXX which gives variance of 0.00% , verified and associated the document , hence exception cleared.<br>Reviewer Comment (2022-03-29): Valuation Received - XX/XX/XX | 03/31/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2022-03-14): Verification provided.<br>Seller Comment (2022-03-14): the start date is XX/XX/XX<br>Seller Comment (2022-03-14): XXXXX vvoe letter<br>Seller Comment (2022-03-14): vvoe XXXXX<br>Seller Comment (2022-03-14): vvoe dated XX/XX/XX | 03/14/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2022-03-14): VVOE provided | 03/14/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. |  |  |  | Reviewer Comment (2022-03-14): Verification provided.<br>Seller Comment (2022-03-14): the vvoe is dated XX/XX/XX<br>Seller Comment (2022-03-14): vvoe XX/XX/XX XXXXX | 03/14/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-20): XXXXX received and verified the details. Exception Cleared. | 04/20/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-04-20): XXXXX received and verified the details. Exception Cleared.<br>Reviewer Comment (2022-04-19): Valuation Received - XX/XX/XX | 04/20/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | XXXXX address updated as XXXXX however Note address is updated as XXXXX. Please provide supporting document. |  |  |  | Reviewer Comment (2022-04-22): Received XXXXX Search Doc subject address confirming that XXXXX and XXXXX are same updated the details. Exception Cleared<br>Seller Comment (2022-04-21): XX/XX/XX - MJP: Please see attached XXXXX search, confirming address is the same<br>Reviewer Comment (2022-04-21): As per Note document property address is XXXXX however as per XXXXX it is updated as XXXXX. There is discrepancy between XXXXX and XXXXX. If both are same please provide supporting document to verify. Exception remains.<br>Seller Comment (2022-04-20): XX/XX/XX - MJP: Please rescind. Address for property is XXXXX. Which is stated on Note attached. | 04/22/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The file is missing a copy of the AUS, necessary to verify amount of required reserves. |  |  |  | Reviewer Comment (2022-03-21): AUS associated & exception cleared.<br>Seller Comment (2022-03-17): XX/XX/XX am please see attached | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-03-24): Received XXXXX Document and updated in XXXXX and Associated. Exception Cleared. | 03/24/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $770.00 exceeds tolerance of $730.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $730.00. on LE but disclosed as $770.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-10): Sufficient Cure Provided At Closing |  | 03/10/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Appraisal indicates there are no HOA dues and evidence is not included that there is. |  |  |  | Reviewer Comment (2022-03-16): Client elects to waive. |  |  | 03/16/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-03-24): Received XXXXX Document and updated in XXXXX and Associated. Exception Cleared.<br>Reviewer Comment (2022-03-22): Valuation Received - XX/XX/XX | 03/24/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $35.01 exceeds tolerance of $31.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee disclosed was last disclosed as $31.00 on LE but disclosed as $35.01 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-17): Sufficient Cure Provided At Closing |  | 03/17/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-07): Received Desk Review Report dated XX/XX/XX with XXXXX value of XXXXX and with variance of 0.00%, verified and associated the document, hence exception cleared. | 04/07/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $59.00 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee disclosed was last disclosed as $35.00 on LE but disclosed as $59.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, a cure of $24 was provided at closing. |  |  |  | Reviewer Comment (2022-03-28): Sufficient Cure Provided At Closing |  | 03/28/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-19): XXXXX received and verified the details. Exception Cleared. | 04/19/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $1,570,000.00 of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-05): Client elects to waive. |  |  | 04/05/2022 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $460.00 exceeds tolerance of $395.00 plus 10% or $434.50. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $65.00 due to increase of the recording fee. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-31): Sufficient Cure Provided At Closing |  | 03/31/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-04-19): XXXXX received and verified the details. Exception Cleared.<br>Reviewer Comment (2022-04-15): Valuation Received - XX/XX/XX | 04/19/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-05-04): Loan is SHQM (APOR).<br>Reviewer Comment (2022-04-14): Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. Exception remains.<br>Seller Comment (2022-04-13): The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. <br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $XXXX - $XXXX = $XXXX / XXXXX = XX % | 05/04/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.68524% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $27,753.20 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $22,592.72 (an overage of $5,160.48 or .68524%). | Total fees financed by lender is $27,753.20. Threshold maximum is $22,592.72.. |  |  |  | Reviewer Comment (2022-05-04): Offset for seller paid discount points per Itemization.<br>Reviewer Comment (2022-04-14): CD does not reflect breakdown of borrower & seller paid portions of Discount Points. Revised Post Closing CD, explanation letter to borrower explaining changes, and documentation verifying deliver is required. Exception remains.<br>Seller Comment (2022-04-13): The Discount charge is being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges and passing QM test with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. The Par rate(also known as undiscounted rate) is within 2% higher than APOR which allows for 1% bonafide discount to be applied. <br>Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage<br> $XXXX - $XXXX = $XXXXX / XXXXX = XX % | 05/04/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $27,714.70 exceeds tolerance of $27,447.20. Insufficient or no cure was provided to the borrower. | Loan Discount Points and fee disclosed was last disclosed as $27,447.20 on the Loan Estimate but disclosed as $27,714.70 on the Final Closing Disclosure. File does not contain a valid COC for this fee, no cure was provided. Provide a post-close CD disclosing the tolerance cure to include $267.50, a copy of refund check, proof of delivery, and a copy of the letter explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-29): XXXXX received rate lock document for XX/XX/XX.<br>Seller Comment (2022-03-29): CS XX/XX/XX Please see attached XX/XX/XX lock screenshot. I was able to scroll up and capture the borrower's name and address along with the extension and pricing before the compensation of $20,000 is applied.<br>Reviewer Comment (2022-03-29): XXXXX - Rate lock dated XX/XX/XX does not reflect borrower name or loan number/information. Please provide a rate lock or valid COC with borrower/loan info for increase in discount points on XX/XX/XX CD. Exception remains.<br>Seller Comment (2022-03-28): CS XX/XX/XX On XX/XX/XX there was a 1 day lock extension that impacted pricing to go from $27,447.20 to $27,714.70 ($7,714.70 final price amount + the compensation of $20,000) which was disclosed on a CD on XX/XX/XX. Please see attached lock confirmations and CD. | 03/29/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $865.00 exceeds tolerance of $775.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $775.00 on LE but disclosed as $865.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, a cure of $90.00 was provided at closing. |  |  |  | Reviewer Comment (2022-03-24): Cure provided at closing. |  | 03/24/2022 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-04-04): Loan is Safe Harbor QM.<br>Reviewer Comment (2022-04-04): Cleared in error.<br>Reviewer Comment (2022-03-31): High Cost Analysis Doc ID# 344 indicates Par Rate and Discount Points<br>Seller Comment (2022-03-28): See attached fee list confirming discount fee up to $18945.00 and underwriting fee of $1055 are both paid by seller and not included in the QM test. Also bonafide discount is being applied. see attached passing QM test. | 04/04/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.78709% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $49,634.70 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $31,105.36 (an overage of $18,529.34 or 1.78709%). | QM Points and Fees threshold exceeded by $18,529.34 or 1.78709%. |  |  |  | Reviewer Comment (2022-04-04): XXXXX received itemization of seller credit that shows discount points and underwriting fee paid by seller.<br>Reviewer Comment (2022-04-04): Cleared in error.<br>Reviewer Comment (2022-03-31): High Cost Analysis Doc ID# 344 indicates Par Rate and Discount Points<br>Seller Comment (2022-03-28): See attached fee list confirming discount fee up to $18945.00 and underwriting fee of $1055 are both paid by seller and not included in the QM test. Also bonafide discount is being applied. see attached passing QM test. | 04/04/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The preliminary title report in file disclosed $1,000,000.00 of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-30): Updated title document received and policy amount verified. Exception Cleared.<br>Seller Comment (2022-03-28): XX/XX/XX RF see attached, please clear thank you | 03/30/2022 |  |  | 1 B A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $865.00 exceeds tolerance of $775.00. Sufficient or excess cure was provided to the borrower at Closing. | XXXXX: Sufficeient cure provided at closing. |  |  |  | Reviewer Comment (2022-03-29): Sufficient Cure Provided At Closing |  | 03/29/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-05): XXXXX received response from lender regarding two HOI policy was in file and both are required.<br>Seller Comment (2022-04-04): XX/XX/XX KM: Please rescind as both HOI policies are required. Please see the XXXXX policy that does not include all required coverages, which is why the XXXXX Fair Plan was required.<br>Reviewer Comment (2022-04-01): XXXXX agreed but we also required attestation for the both HOI policies are lender requirements. As it is optional HOI policies, than it should not be included in the total property costs. Please provide corrected PCCD with LOE as per Loan file Costs of $XXXX. the itemized costs ($XXX tax + $XXXX HOI + $XXXX HOA) total $XXXX/month.<br>Seller Comment (2022-03-31): XX/XX/XX KM: Please rescind as CD signed at closing is correct. HOI is XXXX + XXXX = XXXX. HOA is XXXX. Taxes are estimated on each XXXXX purchase by taking XX% the sales price. .XX \* XXXXX = XXXXX. HOI + HOA + Taxes = XXXX + XXXX + XXXX = XXXX. Divided by 12 is the monthly amount on page one of the CD, XXXX / 12 = XXXX. This monthly amount times 12 is what goes on page 4: XXXX \* 12 = XXXX. | 04/05/2022 |  |  | 1 B A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $1,520,000.00 of title policy amount; however this is less than the loan amount of XXXXX.. Provide a copy of the final title policy or a supplemental title report verifying title policy of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-23): Client elects to waive. |  |  | 03/23/2022 | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $35.00 exceeds tolerance of $31.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $31.00 on LE but disclosed as $35 on Final Closing Disclosure. File does not contain a valid COC for this fee, a cure of $4 was provided at closing. |  |  |  | Reviewer Comment (2022-03-18): Sufficient Cure Provided At Closing |  | 03/18/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Final Settlement Statement was not provided. Per guidelines, if part of the down payment is expected to be paid from the sale of the borrower's property, a final settlement statement verifying sufficient net proceeds must be obtained. |  |  |  | Reviewer Comment (2022-03-21): Document provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-03-16): XX/XX/XX - MJP: Please see attached fully executed CD for sale of REO. | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-03-21): Document provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-03-18): Please clear | 03/21/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $18,766.00 exceeds tolerance of $18,590.00. Insufficient or no cure was provided to the borrower. | Mortgage Broker Fee was last disclosed as $18,590.00 on LE but disclosed as $18,766.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $176.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-21): XXXXX received updated CD XX/XX/XX and corresponding COC on XX/XX/XX for the Mortgage Broker fee (Compensation fee) increased due to Loan amount changed.<br>Seller Comment (2022-03-18): Revised CD<br> CofC<br> TRID History<br>Seller Comment (2022-03-18): Please see the attached CofC, Revised CD, and TRID History. The Mortgage Broker is charging a percentage of the loan (2.75%). The loan amount increased, thus the compensation increased accordingly. The change was disclosed to the borrower on XX/XX/XX. Please see TRID history showing proof of delivery. | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,194.60 exceeds tolerance of $1,183.00. Insufficient or no cure was provided to the borrower. | Transfer Tax Fee was last disclosed as $1,183.00 on LE but disclosed as $1,194.60 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $11.60, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-21): XXXXX received Sufficient cure at closing for the Transfer Tax increased.<br>Seller Comment (2022-03-17): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $32.80 in section J on the Closing Disclosure, $11.60 for the increase in Transfer Taxes from $1,183 to $1,194.60. | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $49.20 exceeds tolerance of $28.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $28.00 on LE but disclosed as $49.20 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $21.20, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-21): XXXXX received Sufficient cure at closing for the Credit Report fee increased.<br>Seller Comment (2022-03-17): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $32.80 in section J on the Closing Disclosure, $21.20 for the increase in Credit Report fee from $28 to $49.20. | 03/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed $676,000.00 of title insurance coverage; however this is less than the loan amount of XXXXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-16): Client elects to waive. |  |  | 03/16/2022 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $49.20 exceeds tolerance of $28.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-03-21): Sufficient Cure Provided At Closing |  | 03/21/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,194.60 exceeds tolerance of $1,183.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-03-21): Sufficient Cure Provided At Closing |  | 03/21/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-06-29): The ReLock confirmation has been provided.<br>Reviewer Comment (2022-06-23): The total points charge was over 3%. Please provide evidence of the Bone Fide point break down. | 06/29/2022 |  |  | 1 B A C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 4.93839% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $53,770.25 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $32,664.64 (an overage of $21,105.61 or 1.93839%). | QM Points and Fees threshold exceeded by $21,105.61 or 1.93839%. Loan was consummated after XX/XX/XX. For loans consummated after this date, there is no longer any cure mechanism available for QM points and fees violations. |  |  |  | Reviewer Comment (2022-06-29): The ReLock confirmation has been provided.<br>Seller Comment (2022-06-28): This loan was relocked on XX/XX/XX due to no more extension being permitted<br>Reviewer Comment (2022-06-24): With an Undiscounted Rate of XX% and Note rate of XX%, there is a 0.875% reduction in rate with XX% discount points paid.<br> XX / XX = XX bps. This does not meet the 0.25 Discount Point Standard Exclusion that is set in the deal settings. Given that the discount points do not meet the ratio set in the deal settings, XXXXX does not exclude the discount points from the points and fees calculation. Exception remains.<br>Seller Comment (2022-06-23): Discount Verification Form attached with breakdown<br>Reviewer Comment (2022-06-23): The total points charge was over 3%. Please provide evidence of the Bone Fide point break down.<br>Seller Comment (2022-06-22): price breakdown and rate<br>Reviewer Comment (2022-06-22): Please provide evidence of the undiscounted price for the undiscounted rate.<br>Seller Comment (2022-06-21): Please use attached to clear QM Fail for points & Fees. Bona Fide points are present | 06/29/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | The guidelines require an AUS. Please provide the most current copy of the AUS. |  |  |  | Reviewer Comment (2022-03-15): AUS document received and associated. Exception cleared.<br>Seller Comment (2022-03-14): aus | 03/15/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | The guidelines require 6 months of reserves. Please provide documentation to show that the borrowers have assets that equal at least 6 months of reserves. |  |  |  | Reviewer Comment (2022-03-16): Verified sufficient asset required for reserves, Exception cleared<br>Seller Comment (2022-03-14): assets | 03/16/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | Please provide lease documentation or a 1007/1025 form on this property. |  |  |  | Reviewer Comment (2022-03-16): Lease provided. Appraisal provided to document LTV of 75% or less. Exception cleared.<br>Seller Comment (2022-03-14): assets | 03/16/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Please provide documentation to support that the borrowers have the assets to satisfy the cash from borrower amount of XXXXX. |  |  |  | Reviewer Comment (2022-03-16): Verified sufficient asset required for Closing, Exception cleared<br>Seller Comment (2022-03-14): ASSETS | 03/16/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-03-16): Rental income documentation provided - Exception cleared. | 03/16/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXXX OR XXXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The Preliminary title policy does not state a coverage amount. |  |  |  | Reviewer Comment (2022-05-10): Client elects to waive<br>Seller Comment (2022-05-09): XX/XX/XX/XX RF please see attached, please clear thankyou |  |  | 05/10/2022 | 2 B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-05-13): Final Title Policy received with Amount of Insurance XXXXX. Doc associated. Exception cleared. | 05/13/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $725.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-29): XXXXX received sufficient cure at closing.<br>Seller Comment (2022-04-28): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $1,495.70 in section J on the Closing Disclosure, $725 for the increase in Appraisal Fee 2 from $0 to $725. | 04/29/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP). Fee Amount of $26,000.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan Originator Compensation Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $26,000.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-29): XXXXX received valid COC dated XX/XX/XX and rate lock printed dated XX/XX/XX is in file.<br>Seller Comment (2022-04-28): CS XX/XX/XX The origination started as lender paid when the loan was first locked. Due to this the compensation will not show on the Loan estimate. On XX/XX/XX there was a Change Of Circumstance done changing the compensation form lender paid to borrower paid. By switching this to borrower paid, it reduces the need to charge discount points because the borrower is paying the compensation directly. There was a Closing disclosure that went out following for re-disclosure. Please see attached Closing disclosure and Change Of Circumstance form. | 04/29/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | Verified assets in the amount of XXXXX are insufficient to meet reserves requirement of 18 months. Final 1008 reflects XXXXX verified, however, XXXXX has been excluded to cover the open 30 day XXXXX balance that was excluded from DTI calculations. | The representative FICO score is above 680.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than or equal to 70%.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has been employed in the same industry for more than 5 years. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-07-07): Client elects to waive. Comp Factors: XX% LTV, XXX FICO, 28 years on job & 24 years in home & monthly pymt decreased by > $XXXX.<br>Reviewer Comment (2022-05-13): As per the Guidelines, we require 18 months of subject PITI(A) in reserves in addition to any reserves required by AUS. PITI of our subject property is XXXXX. 18 months reserves would give XXXXX. Our Available for Reserves are XXXXX. So, we still have shortfall for reserves. Therefore, please provide additional assets to cover the reserves requirement. Exception remains.<br>Seller Comment (2022-05-11): XX/XX/XX AMB: Please rescind. The amount back to the borrower from net proceeds is more than enough to cover the balance from the XXXXX 30-day open account, as evidenced by AUS findings line #23 that were previously provided. There were also three asset accounts provided, one from XXXXX, one from XXXXX, and one from XXXXX that can be counted as available funds towards the required reserves. The total of these three accounts comes to XXXXX, which would cover 18 months PITIA.<br>Reviewer Comment (2022-05-02): As per XXXXX guidelines, loan above $2M requires additional 18 months of reserves apart from AUS reserves. Cash-out used for XXXXX 30-day account. Additional assets are required to cover the shortfall. Exception Remains<br>Seller Comment (2022-04-28): XX/XX/XX AMB: Please rescind. Please see the attached AUS findings that state that because the borrower received cash back on the loan, the amount of reserves required to cover the balance of the XXXXX open account would be counted from the cash back to the borrower. This is stated on #23 of the AUS findings provided. Please note that with the XXXXX added back into the total available assets, there are enough funds to cover the required reserves. |  |  | 07/07/2022 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | XXXXX received sufficient cure at closing. |  |  |  | Reviewer Comment (2022-04-29): Sufficient Cure Provided At Closing |  | 04/29/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-04-04): Sufficient Cure Provided At Closing |  | 04/04/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,175.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-03-21): Sufficient Cure Provided At Closing |  | 03/21/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $152.00 exceeds tolerance of $148.00. Sufficient or excess cure was provided to the borrower at Closing. | Transfer Tax Fee was last disclosed as $148 on the loan estimate but as $152 on the final closing disclosure. File contains evidence of a cure in the amount of $4.50. |  |  |  | Reviewer Comment (2022-03-14): Sufficient Cure Provided At Closing |  | 03/14/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $524,860.00 Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2021-12-21): Replacement Cost Estimator has been received. HOI provides sufficient dwelling coverage as per Replacement Cost Estimator. Exception cleared.<br>Buyer Comment (2021-12-20): RCE attached | 12/21/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Data Integrity | Property - Appraisal | Appraiser's license or certification was not active at the time of the appraisal. |  | Missing evidence of Appraiser's License was active at time of Appraisal. Appraisal Date: XX/XX/XX // Appraiser License Issue Date: XX/XX/XX. |  |  |  | Reviewer Comment (2021-12-28): Received appraisal certificate showing that initially, license issue at XX/XX/XX, exception cleared.<br>Buyer Comment (2021-12-27): Appraiser license lookup uploaded<br>Reviewer Comment (2021-12-16): Provided comment has been reviewed. The issue is not with the license expiration date, but with the license inception date. Effective Date of appraisal report is XX/XX/XX however Appraiser License Effective Date is from XX/XX/XX. Appraisal was performed by appraiser prior to license inception date. Exception remains.<br>Buyer Comment (2021-12-15): The appraiser's license on the last page of the appraisal states the appraiser's license was active at the time of completion and expires XX/XX/XX. Please clear. | 12/28/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Data Tape reflects Jumbo, however AUS Approve/Ineligible in file- Please confirm Program Type. |  |  |  | Reviewer Comment (2021-12-22): Loan Program Guideline is Jumbo Express and AUS is in file with recommendation as Approve/Ineligible. Exception cleared.<br>Buyer Comment (2021-12-21): Please proceed as an Express. | 12/22/2021 |  |  | 1 B A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | The Hazard Insurance Policy effective date is after the Transaction Date. |  | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2021-12-21): Received Hazard Insurance policy with correct effective date of XX/XX/XX. Exception Cleared.<br>Buyer Comment (2021-12-20): Updated HOI Policy | 12/21/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2021-12-21): SitusAMC received XX/XX CD.<br>Buyer Comment (2021-12-20): Executed initial CD | 12/21/2021 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Origination/Closing document for the line of credit used for funds to close. |  |  |  | Reviewer Comment (2021-12-21): Received line of credit document and Wire confirmation confirming payment has been transfer to subject property title company for closing.<br>Buyer Comment (2021-12-20): Line of Credit | 12/21/2021 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Hazard Insurance | Document Error | Hazard Insurance | Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements. |  | New Exception as result of documentation provided. Provided HOI policy did not includes successors and assigns. Provide Corrected HOI with Mortgage clause with Lender includes Successors and assigns. |  |  |  | Reviewer Comment (2022-01-25): Received new HOI policy reflecting Lender includes Successors and assigns. Exception cleared.<br>Buyer Comment (2022-01-24): HOI | 01/25/2022 |  |  | 1 A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-03-29): XXXXX received XX/XX/XX CD.<br>Seller Comment (2022-03-25): initial CD | 03/29/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $800.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. | The Appraisal Fee was last disclosed as $650.00 on LE, but disclosed as $800.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-30): XXXXX received valid COC for increase in Appraisal fee.<br>Seller Comment (2022-03-29): XX/XX/XX COC<br>Reviewer Comment (2022-03-28): XXXXX received LE and COC dated XX/XX/XX but upon further review need additional information on COC dated XX/XX/XX to justify the reason why fee was increased on LE dated XX/XX/XX or need cure.<br>Seller Comment (2022-03-25): Initial CD<br>Seller Comment (2022-03-25): COC w/ LE | 03/30/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Changed Circumstance form indicates that a Loan Estimate was provided on XX/XX/XX. Please provide this missing Loan Estimate. |  |  |  | Reviewer Comment (2022-03-29): XXXXX received XX/XX/XX LE<br>Seller Comment (2022-03-25): LE | 03/29/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | Please provide evidence of the rate lock date. |  |  |  | Reviewer Comment (2022-03-24): Client elects to waive. |  |  | 03/24/2022 | 2 B |  | XX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $1,050.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7507) |  |  |  | Reviewer Comment (2022-03-28): XXXXX received LOE dated XX/XX/XX, Appraisal Fee was split to Appraisal Fee 2.<br>Seller Comment (2022-03-26): Please see attached attestation.<br>Reviewer Comment (2022-03-25): XXXXX upon further review please provide attestation stating the appraisal fee was initially disclosed as $2,800 combined and later it was split for a total of $2,450, and did not exceed the originally disclosed total.<br>Seller Comment (2022-03-23): CS XX/XX/XX The appraisal fee was initially disclosed as $2,800. There were 2 appraisals payable to different appraisers, so the fee needed to be split to account for this. The fees were split for a toal of $2,450, and did not exceed the originally disclosed total. No tolerance is necessary. Please see attached LE, CD, and appraisal invoices. | 03/28/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. |  |  |  |  | Reviewer Comment (2022-03-24): Client elects to waive.<br>Seller Comment (2022-03-23): XX/XX/XX - MJP: Please rescind. CD is correct at $XXXX. Please see following for calculation; taxes at XX% due to XXXXX purchase ($XXXX) + HOI Policy ($XXXX) + HOA Dues ($XXX) = $XXXX x 12 = Annual amount of $XXXX<br>Seller Comment (2022-03-23): XX/XX/XX - MJP: Please rescind. CD is correct at $XXXX. Please see following for calculation; taxes at XX% due to XXXXX purchase ($XXXX) + HOI Policy ($XXXX) + HOA Dues ($XXXX) = $XXXX x 12 = Annual amount of $XXXX<br>Seller Comment (2022-03-23): XX/XX/XX - MJP: Please rescind. CD is correct at $XXXX. Please see following for calculation; taxes at XX% due to XXXXX purchase ($XXXX) + HOI Policy ($XXXX) + HOA Dues ($XXXX) = $XXXX x 12 = Annual amount of $XXXX |  |  | 03/24/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however, the annual taxes ($XXXX) and homeowners' insurance ($XXXX) total are $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-15): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2022-04-14): PCCD |  | 04/15/2022 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower#2 1084 or income worksheet was missing in this file. |  |  |  | Reviewer Comment (2022-04-19): XX/XX/XX / Associated XXXXX, exception cleared<br>Seller Comment (2022-04-18): XXXXX Income Calc.<br>Reviewer Comment (2022-04-15): XX/XX/XX / 1084/Income XXXXX was not for XXXXX, exception remains<br>Seller Comment (2022-04-14): Income worksheet | 04/19/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Gift Funds reflected on the CD, however supporting documentation was not found in file. |  | Assets: Omitted the Gift fund of XXXXX; Gift fund letter and document on final CD was provided in file; however, no proof of funds provided, i.e., donor's check; borrower deposit slip or donor's check to closing agent. |  |  |  | Reviewer Comment (2022-04-15): XX/XX/XX / Associated Gift Ltr and closing CD reflecting gift for CC<br>Seller Comment (2022-04-14): Gift Letter | 04/15/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | the Mortgage Statement is missing for the investment property. There is a Credit supplement within the loan file; however, unable to use as the property is not identified on the document. |  |  |  | Reviewer Comment (2022-04-01): Received property history report showing XXXXX as the lender & credit supplement in file shows mortgage transferred to XXXXX. Also hazard insurance has mortgagee clause of XXXXX i.e. previous lender. Associated credit supplement & property history report verifying lender & monthly payment amount. Exception cleared.<br>Seller Comment (2022-03-31): XX/XX/XX DL: Please rescind. Please see the attached lien report to support the credit supplement. The lien report shows the lender as XXXXX. This is further supported by the HOI mortgagee. | 04/01/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for loan securitization purpose. |  |  |  | Reviewer Comment (2022-04-07): XXXXX report as secondary valuation associated & exception cleared. | 04/07/2022 |  |  | 1 D A |  | XX | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-04-07): XXXXX report as secondary valuation associated & exception cleared.<br>Reviewer Comment (2022-04-05): Valuation Received - XX/XX/XX | 04/07/2022 |  |  | 1 A |  | XX | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purpose. |  |  |  | Reviewer Comment (2022-04-06): Secondary appraisal report i.e. XXXXX received & exception cleared. | 04/06/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-04-06): Secondary appraisal report i.e. XXXXX received & exception cleared.<br>Reviewer Comment (2022-04-05): Valuation Received - XX/XX/XX | 04/06/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,660.00 exceeds tolerance of $730.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $730.00 on LE but disclosed as $1,660.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-17): Sufficient Cure Provided At Closing |  | 03/17/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The Non-Escrowed Property Costs over Year 1 was calculated at 11 months when 12 months should have been used. |  |  |  | Reviewer Comment (2022-05-11): XXXXXReceived PCCD and LOE.<br>Seller Comment (2022-05-11): see attached. used appraisal to calculate annual cost. |  | 05/11/2022 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | D0044 is Preliminary Title Report. |  |  |  | Reviewer Comment (2022-03-23): Client elects to waive. |  |  | 03/23/2022 | 2 B |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | UCDP score is above 2.5; Second Appraisal is required |  |  |  | Reviewer Comment (2022-03-31): Received Desk Review Report dated XX/XX/XX with XXXXXvalue of XXXXX and with appraisal value of XXXXX which gives variance of more than 4% , which is in tolerance of 10%, verified and associated the document, hence exception cleared. | 03/31/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-03-31): Received Desk Review Report dated XX/XX/XX with XXXXXvalue of XXXXX and with appraisal value of XXXXX which gives variance of more than 4% , which is in tolerance of 10%, verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-03-29): Valuation Received - XX/XX/XX | 03/31/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-27): XXXXX received for secondary valuation & associated. Exception cleared. | 04/27/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-27): XXXXX received for secondary valuation & associated. Exception cleared.<br>Reviewer Comment (2022-04-25): Valuation Received - XX/XX/XX | 04/27/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2022-04-06): AUS received and associated. Exception cleared.<br>Seller Comment (2022-04-05): (XXXXX) Uploaded final AUS | 04/06/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | 6 months reserve based on guideline requirements. |  |  |  | Reviewer Comment (2022-04-12): Sufficient assets verified.<br>Reviewer Comment (2022-04-06): CD provided is a post close, cannot change dates on the final CD with information from the post close. Exception remains<br>Seller Comment (2022-04-05): (XXXXX) Uploaded PITIA info and reserve info to demonstrate sufficient reserves | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX using XX%) and homeowners insurance ($XXXX) total are $XXXX per year. Variance appears in the tax amount, XX% at $XXXX is utilized, Tax Cert and Preliminary Title indicate tax amount of $XXXX Bi-Annually, or $XXXX monthly, neither amount was utilized by the Lender. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-03-24): Client elects to waive. |  |  | 03/24/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-04-12): Closing statement provided to verify net proceeds is dated prior to disbursement. CA loan. | 04/12/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | There is no dollar amount noted on the title policy. |  | The Preliminary Title Report in file did not disclose the amount of title insurance coverage. Please provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-03-23): Client elects to waive. |  |  | 03/23/2022 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | Final CD on the subject reflects a disbursement date of XX/XX/XX, the CD for the refinance where proceeds were obtained, shows a disbursement date of XX/XX/XX therefore making the proceed not available at the time of closing. |  |  |  | Reviewer Comment (2022-04-12): Closing statement provided to verify net proceeds is dated prior to disbursement. CA loan.<br>Seller Comment (2022-04-05): (XXXXX) Uploaded CD showing loan disbursed XX/XX/XX | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. |  |  |  |  | Reviewer Comment (2022-04-06): CD provided is a post close, cannot change dates on the final CD with information from the post close. Exception remains | 04/06/2022 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified, however, there is no supporting documents for the Asset account in the loan files. |  |  |  | Reviewer Comment (2022-04-06): Received bank statements. Cleared.<br>Seller Comment (2022-04-05): bank statements | 04/06/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) , homeowners insurance ($XXXX) and HOA Dues ($XXXXX) total is $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-06): Client elects to waive. |  |  | 04/06/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-19): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 04/19/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-19): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-04-18): Valuation Received - XX/XX/XX | 04/19/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $186,630. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-04-13): Received replacement cost estimator showing minimum rebuilding cost due to which the shortfall in coverage also cleared, verified and associated the document, hence exception cleared.<br>Seller Comment (2022-04-12): RCE | 04/13/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-03-29): XXXXX received XX/XX/XX CD.<br>Seller Comment (2022-03-28): CD | 03/29/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | Documentation from lender confirming the condo is warrantable not found in file; approval cover letter was in file, however supporting documentation was not. |  |  |  | Reviewer Comment (2022-04-14): lender condo approval provided.<br>Seller Comment (2022-04-13): XX/XX/XX JH: Please see the second line of the attached document verifying XXXXX is approved by XXXXX. Please note, there is no guideline requirement for a lender attestation of warrantability. If the project is approved (i.e. the loan cleared to close), then the lender has deemed the project warrantable.<br>Reviewer Comment (2022-04-11): Documentation provided does not state the condo is warrantable. A lender attestation is required by XXXXX to verify the condo is warrantable. XXXXX does not perform any type of condo review. Exception remains.<br>Seller Comment (2022-04-08): XX/XX/XX - MJP: Please note documentation uploaded is the attestation. As it states verified from lender.<br>Reviewer Comment (2022-04-06): A lender attestation is required to verify the condo is warrantable. XXXXX does not perform a condo review and a lender attestation is required by XXXXX. Exception remains.<br>Seller Comment (2022-04-05): XX/XX/XX - MJP: Please see previously uploaded documentation verified by lender. This is used directly from the XXXXX website. Please rescind.<br>Reviewer Comment (2022-03-31): Provided condominium completion list is not sufficient to clear the condition. Please provide Lender's attestation confirming condo is warrantable. Exception remains.<br>Seller Comment (2022-03-30): XX/XX/XX - MJP: Please see attached condo docs, confirming that condo has been certified.<br>Reviewer Comment (2022-03-30): Provided HOA Questionnaire is not sufficient to clear the condition, we require the documentation from lender/seller confirming the condo is warrantable. or Lender's attestation confirming condo is warrantable. Exception remains.<br>Seller Comment (2022-03-29): XX/XX/XX - MJP: Please see attached documentation confirming warrantability.<br>Reviewer Comment (2022-03-28): Require a lender attestation confirming the condo is warrantable to clear the exception. Exception remains.<br>Seller Comment (2022-03-23): XX/XX/XX - MJP: Please see attached questionnaire which confirms that condo is warrantable. | 04/14/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-14): Received Final Title dated XX/XX/XX with policy amount of XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-04-13): XX/XX/XX AMB: Please rescind. Please see the attached final title policy showing the correct coverage amount. | 04/14/2022 |  |  | 1 B A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-04-14): Received Final Title dated XX/XX/XX with policy amount of XXXXX updated the details. Exception Cleared | 04/14/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-18): Received XXXXX Document and updated in XXXXX and Associated. Exception Cleared. | 04/18/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-18): Received XXXXX Document and updated in XXXXX and Associated. Exception Cleared.<br>Reviewer Comment (2022-04-15): Valuation Received - XX/XX/XX | 04/18/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-14): Client elects to waive.<br>Seller Comment (2022-04-14): XX/XX/XX Please see attached and clear |  |  | 04/14/2022 | 2 B |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | PropertyXXXXX. - Final 1003 PITIA Captured amount $XXXX - Tax $XXXX - Ins $XXXX. Missing Supporting documentation for additional $XXXX monthly debt shown on application. |  |  |  | Reviewer Comment (2022-04-21): Received new 1003 with updated T&I amount for the said property, verified and associated the document, hence exception cleared.<br>Seller Comment (2022-04-20): XX/XX/XX JH: Please see the revised 1003 with corrections to the overstated taxes.<br>Reviewer Comment (2022-04-13): The 1003 reflects an additional payment of $254.54 for XXXXX that has not been verified.<br>Seller Comment (2022-04-12): XX/XX/XX KM: Please rescind as the taxes were overstated when considered. This caused a higher amount to be listed on the 1003. This overqualified the borrower and nothing additional is required. | 04/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Property XXXXX/ XXXXX (duplex) - Final 1003 PITIA Captured amount $XXX - Tax $XXXX - Ins $XXXX. Missing Supporting documentation for additional $XXXX monthly debt shown on application. |  |  |  | Reviewer Comment (2022-04-21): Received 1003 with updated T&I amount, updated XXXXX and associated documents, hence exception cleared.<br>Seller Comment (2022-04-20): XX/XX/XX JH: Please see the updated 1003 with corrections to the overstated HOI. The taxes remain the same as they will be reassessed to a significantly higher amount, so the CA 1.25% estimate has been utilized as previously explained.<br>Reviewer Comment (2022-04-13): The 1003 shows an additional payment of $1,159.01 for this duplex that has not been verified.<br>Seller Comment (2022-04-12): XX/XX/XX KM: The settlement statement for the purchase of this property was included in the delivery. Due to it being a XXXX purchase, 1.25% of the purchase price was used to estimate the borrower's tax liability. (XXXXX \* .0125 = 23,750 / 12 = 1,979.17). | 04/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-19): Received XXXXX Document and updated in XXXXX and Associated. Exception Cleared. | 04/19/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-19): Received XXXXX Document and updated in XXXXX and Associated. Exception Cleared.<br>Reviewer Comment (2022-04-15): Valuation Received - XX/XX/XX | 04/19/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-20): XXXXX received and verified the details. Exception Cleared | 04/20/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-19): Client elects to waive |  |  | 04/19/2022 | 2 B |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-20): XXXXX received and verified the details. Exception Cleared.<br>Reviewer Comment (2022-04-18): Valuation Received - XX/XX/XX | 04/20/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Documentation verifying source of additional $750 monthly expenses shown for XXXXX., shown on Final 1003, was not provided in loan file. |  |  |  | Reviewer Comment (2022-03-31): Updated 1003 received and associated. Exception cleared.<br>Seller Comment (2022-03-25): XX/XX/XX - MJP: Please see correct 1003. | 03/31/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-08): Final title policy received, verified and associated the document, hence exception cleared.<br>Seller Comment (2022-04-07): XX/XX/XX AMB: Please rescind. Please see the attached final title policy provided showing the final loan amount. | 04/08/2022 |  |  | 1 B A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Loan to be securitized. Secondary Valuation not provided; required. |  |  |  | Reviewer Comment (2022-04-19): XXXXX received and verified the details. Exception Cleared. | 04/19/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | Final Title Policy not provided. |  |  |  | Reviewer Comment (2022-04-08): Final title policy received, verified and associated the document, hence exception cleared. | 04/08/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | California Purchase, Used 1.25% for County Taxes |  |  |  | Reviewer Comment (2022-04-21): Documentation supporting use of less than XX% for CA purchase was provided<br>Seller Comment (2022-04-19): XX/XX/XX AMB: Please see the documentation provided here for the breakdown of the taxes less than the XX%.<br>Reviewer Comment (2022-04-15): Documentation supporting the use of less than XX% for CA purchase is required.<br>Seller Comment (2022-04-13): XX/XX/XX JH: Property costs are as follows: HOI $XXXX. HOA $XXX, Tax as broken down in prior response: $XXXX, which totals a monthly amount of $XXXX. Please verify agreement with lender breakdown so CD with corrected costs can be issued.<br>Reviewer Comment (2022-04-08): XX/XX/XX: Documentation provided XX/XX/XX. Breakdown of non escrow funds is monthly HOI at $XXXX, HOA $XXX and taxes per tax cert is $XXXX, totaling $XXXX. The total on the closing disclosure is $XXXX. Using CA XX% total would be $XXXX. Verification of amounts used at closing to equal $XXXX is required.<br>Seller Comment (2022-04-07): XX/XX/XX AMB: Please rescind. Please note that we used the tax rate from the property tax bill from the county. After including the special assessments, the total annual tax amount comes to $XXXX, which when taken into consideration for the DTI comes to XX%, which is still eligible and within the allowable XX% limit. | 04/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both moderately exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% moderately exceed the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) | California Purchase, Used 1.25% for County Taxes |  |  |  | Reviewer Comment (2022-04-21): Documentation supporting use of less than 1.25% for CA purchase was provided<br>Seller Comment (2022-04-19): XX/XX/XX AMB: Please see the documentation provided here for the breakdown of the taxes less than the 1.25%.<br>Reviewer Comment (2022-04-15): Documentation supporting the use of less than 1.25% for CA purchase is required.<br>Seller Comment (2022-04-13): XX/XX/XX JH: Property costs are as follows: HOI $XXX. HOA $XXXX, Tax as broken down in prior response: $XXXX, which totals a monthly amount of $XXXX. Please verify agreement with lender breakdown so CD with corrected costs can be issued.<br>Reviewer Comment (2022-04-08): XX/XX/XX: Documentation provided XX/XX/XX. Breakdown of non escrow funds is monthly HOI at $XXXX, HOA $XXXX and taxes per tax cert is $XXXX, totaling $XXXX. The total on the closing disclosure is $XXXX. Using CA XX% total would be $XXXX. Verification of amounts used at closing to equal $XXXX is required.<br>Seller Comment (2022-04-07): XX/XX/XX AMB: Please rescind. Please note that we used the tax rate from the property tax bill from the county. After including the special assessments, the total annual tax amount comes to $XXXX, which when taken into consideration for the DTI comes to XX%, which is still eligible and within the allowable XX% limit. | 04/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. |  |  |  |  | Reviewer Comment (2022-04-21): Documentation supporting use of less than 1.25% for CA purchase was provided<br>Seller Comment (2022-04-19): XX/XX/XX AMB: Please see the documentation provided here for the breakdown of the taxes less than the 1.25%.<br>Reviewer Comment (2022-04-15): Documentation supporting the use of less than 1.25% for CA purchase is required.<br>Seller Comment (2022-04-13): XX/XX/XX JH: Property costs are as follows: HOI $XXXX. HOA $XXXXX, Tax as broken down in prior response: $XXXX, which totals a monthly amount of $XXXX. Please verify agreement with lender breakdown so CD with corrected costs can be issued.<br>Reviewer Comment (2022-04-08): XX/XX/XX: Documentation provided XX/XX/XX. Breakdown of non escrow funds is monthly HOI at $XXXX, HOA $XXXX and taxes per tax cert is $XXX, totaling $XXXX. The total on the closing disclosure is $XXXX. Using CA 1.25% total would be $XXXX. Verification of amounts used at closing to equal $XXXX is required.<br>Seller Comment (2022-04-07): XX/XX/XX AMB: Please rescind. Please note that we used the tax rate from the property tax bill from the county. After including the special assessments, the total annual tax amount comes to $XXXX, which when taken into consideration for the DTI comes to XX%, which is still eligible and within the allowable XX% limit. | 04/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | California Purchase, Used 1.25% for County Taxes |  |  |  | Reviewer Comment (2022-04-11): XXXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (2022-04-11): PCCD, LOE, XXXXX<br>Seller Comment (2022-04-11): HC XX/XX/XX - See attached PCCD, LOE, XXXXX |  | 04/11/2022 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation: Safe Harbor QM (APOR) |  |  |  | Reviewer Comment (2022-04-21): Documentation supporting use of less than 1.25% for CA purchase was provided<br>Seller Comment (2022-04-19): XX/XX/XX AMB: Please see the documentation provided here for the breakdown of the taxes less than the 1.25%.<br>Reviewer Comment (2022-04-15): Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.<br>Seller Comment (2022-04-13): XX/XX/XX JH: Property costs are as follows: HOI $XXXX. HOA $XXXX, Tax as broken down in prior response: $XXXX, which totals a monthly amount of $XXXX. Please verify agreement with lender breakdown so CD with corrected costs can be issued. | 04/21/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | 1004 does not include "S" for South |  |  |  | Reviewer Comment (2022-04-08): Received Zipcode Lookup document, verified and associated the document, hence exception cleared.<br>Seller Comment (2022-04-07): XX/XX/XX AMB: Please rescind. Please note that the same address is recognized either with or without the "S" for South. The direction or lack of direction doesn't change the actual address. | 04/08/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-19): XXXXX received and verified the details. Exception Cleared.<br>Reviewer Comment (2022-04-15): Valuation Received - XX/XX/XX | 04/19/2022 |  |  | 1 A |  | XX | Primary | Purchase | D B C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX; however, HOA dues provided on Appraisal reflects $XXXX annually .Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-12): XXXXX received Post CD and Lox.<br>Seller Comment (2022-04-12): LOE, PCCD, XXXXX<br>Seller Comment (2022-04-12): HC XX/XX/XX - See attached LOE, PCCD, and XXXXX label |  | 04/12/2022 |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $70.00 exceeds tolerance of $60.00 plus 10% or $66.00. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $4.00 due to increase of the Recording Fee. No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-24): Sufficient Cure Provided At Closing |  | 03/24/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $34.00 exceeds tolerance of $31.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee disclosed was last disclosed as $31.00 on LE but disclosed as $34.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-24): Sufficient Cure Provided At Closing |  | 03/24/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-25): Sufficient Cure Provided At Closing |  | 04/25/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The Preliminary title policy does not state a coverage amount. |  |  |  | Reviewer Comment (2022-04-26): Client elects to waive |  |  | 04/26/2022 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | VVOE was performed XX/XX/XX |  |  |  | Reviewer Comment (2022-04-28): VVOE completed XX/XX/XX provided.<br>Seller Comment (2022-04-28): VVOE<br>Reviewer Comment (2022-04-28): VVOE provided is 11 business days from note date. Exception remains.<br>Seller Comment (2022-04-27): VOE | 04/28/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The Final Closing Disclosure was dated XX/XX/XX, which was not provided to borrower at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-03-24): XXXXX received XX/XX/XX CD and documentation indicating receipt the same day issued.<br>Seller Comment (2022-03-23): CD/Communication | 03/24/2022 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,470.00 exceeds tolerance of $1,250.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1,250.00 on LE but disclosed as $1,470.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-21): Sufficient Cure Provided At Closing |  | 04/21/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Second Appraisal Fee was last disclosed as $0.00 on LE but disclosed as $150 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-21): Sufficient Cure Provided At Closing |  | 04/21/2022 |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October XXXXX Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX), homeowners insurance ($XXXX), and HOA dues ($XXXX) are $XXXX per year. <br> Final CD reflects Estimated Taxes, Insurance & Assessments of $3,011.01 monthly, correct amount is $XXXX. <br> Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-11): XXXXX Received PCCD and Letter of Explanation with reflecting changes in the estimated Cost over 1 year section.<br>Seller Comment (2022-04-08): (XXXXX) Corrected PCCD and Letter of explanation have been received and uploaded. |  | 04/11/2022 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Evidence of earlier borrower receipt was not found in file. |  |  |  | Reviewer Comment (2022-04-12): XXXXX received XX/XX/XX LE received the same day issued.<br>Seller Comment (2022-04-08): (XXXXX) LE issued on XX/XX/XX was received by borrower on XX/XX/XX. Please see signed LE attached. | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  |  |  |  |  | Reviewer Comment (2022-04-22): AUS received and associated. Exception cleared.<br>Seller Comment (2022-04-20): Please see AUS. | 04/22/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | No assets were found in the loan file. |  |  |  | Reviewer Comment (2022-04-22): Assets provided - Exception cleared.<br>Seller Comment (2022-04-20): Please see asset docs.<br>Seller Comment (2022-04-20): Please review all asset docs.<br>Seller Comment (2022-04-20): Please see all uploaded asset documents. | 04/22/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Exception triggered due to missing income documentation. |  |  |  | Reviewer Comment (2022-04-22): REO documentation provided and asset documentation provided - Exception cleared.<br>Seller Comment (2022-04-20): All asset docs have been uploaded. | 04/22/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. | File was missing evidence of full PITIA payment, and lease agreement to support qualifying income. |  |  |  | Reviewer Comment (2022-04-22): REO documentation provided - Exception cleared.<br>Seller Comment (2022-04-20): All REO docs have been uploaded. | 04/22/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | File was missing evidence of full PITIA payments, lease agreements, and income calculations to support rental income calculation. |  |  |  | Reviewer Comment (2022-04-22): REO documentation provided - Exception cleared.<br>Seller Comment (2022-04-20): Please review all REO docs. | 04/22/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | File was missing assets to support reserves required. |  |  |  | Reviewer Comment (2022-04-22): Assets provided - Exception cleared.<br>Seller Comment (2022-04-20): All asset docs have been uploaded. | 04/22/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-19): Received XXXXX dated XX/XX/XX of value XXXXX. 0% variance from the appraised value. Exception cleared. | 05/19/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-05-19): Received XXXXX dated XX/XX/XX of value XXXXX. 0% variance from the appraised value. Exception cleared.<br>Reviewer Comment (2022-05-18): Valuation Received - XX/XX/XX | 05/19/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | Reviewer Comment (2022-03-30): XXXXX Received Earliest E-Consent.<br>Seller Comment (2022-03-29): Please see disclosure tracking details. The borrower accepted the eConsent on XX/XX/XX. The initial LE was sent on XX/XX/XX and received XX/XX/XX. Disclosure has met the TRID timing requirement. | 03/30/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,979.00 exceeds tolerance of $1,754.00 plus 10% or $1,929.40. Insufficient or no cure was provided to the borrower. | Total amount of $1,979.00 exceeds tolerance of $1,754.00 plus 10% or $1,929.40 no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-04-08): XXXXX Received PCCD, LOE, Copy of check and delivery report for the cure provided.<br>Seller Comment (2022-04-07): Please see refund check, PCCD, LOE and tracking info.<br>Reviewer Comment (2022-04-05): XXXXX upon further review require total cure of $139.60 for 10% tolerance out of which $49.60 was already provided we require additional cure of $90. Please provide cure documents for the same.<br>Seller Comment (2022-04-05): on XX/XX/XX I have reached out to confirm the cure amount and you have confirmed $49.60. Please provide us the final cure amount needed? Need to confirm again, before reaching back out to my CD specialist team.<br>Reviewer Comment (2022-04-04): XXXXX received PCCD along with Cure documents; however, Title - Lender's Title insurance $800, Title - Settlement Fee $75, Title - Title Endorsement Fee $25 has been moved to section C. Due to this total 10% Tolerance has increased to $139.60. Hence additional cure of $90 is required as we've received $49.60 cure.<br>Seller Comment (2022-03-31): Please see refund check, PC CD, LOE and tracking info.<br>Reviewer Comment (2022-03-31): XXXXX required cure amount for 10% tolerance is $49.60.<br>Seller Comment (2022-03-30): Please confirm with us what the required cure amount is?<br>Reviewer Comment (2022-03-30): XXXXX upon further review, Title - Endorsement Fee, Title - Lender's Title Insurance, Title - Settlement Fee has been added on Final CD dated XX/XX/XX in Section B. Please provide PCCD with Payee nameXXXXX fees moved to Section C along with LOE.<br>Seller Comment (2022-03-29): Please review the COC's. |  | 04/08/2022 |  | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Provide AUS. |  |  |  | Reviewer Comment (2022-03-31): AUS document received and verified the details. Exception Cleared.<br>Seller Comment (2022-03-29): Please see AUS. | 03/31/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. | Loan Estimate dated XX/XX/XX was not provided to Borrower at least three business to Closing on XX/XX/XX. |  |  |  | Reviewer Comment (2022-04-06): XXXXX received disclosure tracking indicating the revised LE was received the same day issued.<br>Seller Comment (2022-04-04): See attached TRID disclosure history confirming LE was consented to on XX/XX/XX, 4 days before closing on XX/XX/XX. This is compliant | 04/06/2022 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Loan to be securitized; Secondary Valuation not provided; required. |  |  |  | Reviewer Comment (2022-04-27): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 04/27/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-27): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-04-25): Valuation Received - XX/XX/XX | 04/27/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $28,200.00 exceeds tolerance of $11,750.00. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $28,200.00 exceeds tolerance of $11,750.00 no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-05-10): XXXXX upon further review received Corrected PCCD, LOE, copy of refund Check and Mailing Label.<br>Seller Comment (2022-05-09): check,LOE,PCCD,XXXXX<br>Seller Comment (2022-05-09): HC XX/XX/XX - See attached check refund, LOE, PCCD, and XXXXX label<br>Reviewer Comment (2022-05-09): XXXXX received COC dated XX/XX/XX indicating Transfer Tax increased as mansion tax was being negotiated between seller and buyer, and the broker was not made aware of this cost to the borrower until they received the statement of sale. No information on what change necessitated the increase of the fee was provided. Additional information on the change is required to determine if fee can be rebaselined. Please provide a valid COC or cure documents. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-05-06): Please see attached redisclosed CD for the COC.<br>Seller Comment (2022-05-06): Please see attached COC. |  | 05/10/2022 |  | 2 C B |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (2022-05-11): Received Initial Lender 1003 with borrower signed and dated. Exception Cleared.<br>Seller Comment (2022-05-10): XX/XX/XX TC please see attached document | 05/11/2022 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-18): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared. | 04/18/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | 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 XX/XX/XX incorrectly disclosed whether Homeowners Insurance is included in escrow. | Final CD reflects escrow payment for HOI while Post Closing CD reflects Waived Escrow. |  |  |  | Reviewer Comment (2022-04-20): XXXXX received XX/XX/XX Corrected CD.<br>Seller Comment (2022-04-19): PCCD<br>Seller Comment (2022-04-19): HC XX/XX/XX - See attached PCCD sent on XX/XX/XX showing corrected escrows waived | 04/20/2022 |  |  | 1 C A |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether property taxes are included in escrow. | Final CD reflects escrow payment for property taxes while Post Closing CD reflects Waived Escrow. |  |  |  | Reviewer Comment (2022-04-20): XXXXX received XX/XX/XX Corrected CD.<br>Seller Comment (2022-04-19): PCCD<br>Seller Comment (2022-04-19): HC XX/XX/XX - See attached PCCD sent on XX/XX/XX with correct escrows waived | 04/20/2022 |  |  | 1 C A |  | XX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-18): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-04-15): Valuation Received - XX/XX/XX | 04/18/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-10): Received Risk review report dated XX/XX/XX with value of XXXXX and with variance of 0.00% , verified and associated the document hence exception cleared. | 05/10/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was not disclosed on as $675 on LE but disclosed as $875 on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure was provided. |  |  |  | Reviewer Comment (2022-04-26): Sufficient Cure Provided At Closing |  | 04/26/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $85.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | 2nd Appraisal Fee was not disclosed on LE but disclosed as $85 on Final Closing Disclosure. File does not contain a valid COC for this fee. Cure was provided. |  |  |  | Reviewer Comment (2022-04-26): Sufficient Cure Provided At Closing |  | 04/26/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-05-16): XX/XX/XX / Updated income per employer letter, cleared exception | 05/16/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) | Future Income was used to qualify borrower; per employer letter increase in income will not begin until XXXXX more than 60 days after note date. |  |  |  | Reviewer Comment (2022-05-16): XX/XX/XX / Updated income per Employer Letter, cleared exception | 05/16/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Future Income was used to qualify borrower; per employer letter increase in income will not begin until XXXXX more than 60 days after note date. |  |  |  | Reviewer Comment (2022-05-16): XX/XX/XX / Updated income per Employer Letter, cleared exception | 05/16/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Future Income was used to qualify borrower; per employer letter increase in income will not begin until XXXXX more than 60 days after note date. |  |  |  | Reviewer Comment (2022-05-16): XX/XX/XX / Updated income to reflect future amount as per employer letter, and AUS GL, cleared exception. | 05/16/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-19): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared | 04/19/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-04-19): Received XXXXX Reviewed for subject property secondary valuation updated the details. Exception Cleared<br>Reviewer Comment (2022-04-16): Valuation Received - XX/XX/XX | 04/19/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | Policy amount not mentioned on prelim policy |  |  |  | Reviewer Comment (2022-04-19): Client elects to waive |  |  | 04/19/2022 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan Designation failed due to QM failure. This Exception will be cleared once all QM Specific Exceptions have been cured/cleared |  |  |  | Reviewer Comment (2022-04-26): Documentation provided. Exception cleared.<br>Reviewer Comment (2022-04-21): XX/XX/XX / Exception Remains<br>Seller Comment (2022-04-19): XX/XX/XX AMB: Please see the attached responses to the other QM conditions in order to clear the QM master condition. Thank you! | 04/26/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | Third party verification of borrower's employment dates and status of business was not provided. |  |  |  | Reviewer Comment (2022-04-26): Documentation provided. Exception cleared.<br>Reviewer Comment (2022-04-21): XX/XX/XX / Exception Remains<br>Seller Comment (2022-04-19): XX/XX/XX AMB: Please see the CPA letter to confirm the date of origination and the status of the borrower's Schedule C business. Please rescind. | 04/26/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - C-Corp 1120 | General QM: Unable to verify C-Corp income using reasonably reliable third-party records. | Application date is XX/XX/XX, XXXXX C-Corp returns or extension is required. |  |  |  | Reviewer Comment (2022-04-26): Documentation provided. Exception cleared.<br>Reviewer Comment (2022-04-21): XX/XX/XX / Exception Remains<br>Seller Comment (2022-04-19): XX/XX/XX AMB: Please note that tax deadline for the IRS was XX/XX/XX, so we would not have yet required an extension for the borrower's business returns. Please rescind. | 04/26/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Final LE is required to be received by borrower at least 1 day prior to Initial CD. Based on documentation in file, Final LE was received by borrower on or after date Initial CD was received. Evidence of earlier receipt of LE was not located in file. |  |  |  | Reviewer Comment (2022-04-21): XXXXX received XX/XX/XX CD.<br>Seller Comment (2022-04-19): CS XX/XX/XX Please see attached security instrument, initial CD, and TRID worksheet. The initial CD was sent and consented to on XX/XX/XX, which meets the 3 day requirement before the closing date of XX/XX/XX. | 04/21/2022 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-11): XXXXXreceived and details verified. Exception cleared. | 05/11/2022 |  |  | 1 A |  | XX | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-05-11): XXXXXreceived and details verified. Exception cleared.<br>Reviewer Comment (2022-05-11): Valuation Received - XX/XX/XX | 05/11/2022 |  |  | 1 A |  | XX | Second Home | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-04-15): Received final title policy, verified and associated the document hence exception cleared. | 04/15/2022 |  |  | 1 A |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-15): Final title policy received, verified and associated the document, hence exception cleared.<br>Seller Comment (2022-04-14): XX/XX/XX RF see attached, please clear thank you | 04/15/2022 |  |  | 1 B A |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, a cure of $875.00 was provided on page 2 of Final CD |  |  |  | Reviewer Comment (2022-04-29): XXXXX : Sufficient Cure Provided at closing<br>Seller Comment (2022-04-28): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $875 in section J on the Closing Disclosure for the increase in second appraisal fee from $0 to $875. | 04/29/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $3,320.00 exceeds tolerance of $2,420.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $2,420.00 on LE but disclosed as $3,320.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $900.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-29): XXXXX received valid change circumstance for fee increase<br>Seller Comment (2022-04-28): CS XX/XX/XX The loan locked with pricing at $2,420. Then on XX/XX/XX there was a credit score change that updated a LLPA and impacted pricing to be $3,320 (Final Price amount of -$26,680 deducted from the lender paid compensation amount of $30,000) and this was disclosed on a CD on XX/XX/XX. Please see attached lock confirmation, lock screenshot, credit score change screenshot, and CD. | 04/29/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $875.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-04-29): Sufficient Cure Provided At Closing |  | 04/29/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. |  |  |  | Reviewer Comment (2022-04-27): XXXXX received earliest e-consent dated XX/XX/XX.<br>Seller Comment (2022-04-27): E Consent | 04/27/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX. Final 1008 reflects XXXXX verified. |  |  |  | Reviewer Comment (2022-04-12): Received Bank statements for borrower assets reviewed updated the details and verified the available assets are sufficient for closing. Exception Cleared<br>Seller Comment (2022-04-11): bk statements | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Guidelines require 6 months of reserves. Sufficient assets were not verified for reserves. |  |  |  | Reviewer Comment (2022-05-24): Received bank statements. Cleared.<br>Reviewer Comment (2022-04-12): PITIA reserves are insufficient guidelines require 6 months of reserves, Received Bank statement for borrower assets reviewed, Provided only one month of bank statement XXXXX from XX/XX/XX amount of XXXXX require two months consecutive bank statement per guidelines. and provided bank statement source of funds for EMD XXXXX Please provide Deposit proof for the same. Exception Remains<br>Seller Comment (2022-04-11): All bk statements uploaded to investor.<br>Seller Comment (2022-04-11): All bk statements | 05/24/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | Only a one month bank statement was provided when 2 are required for XXXXX account ending XXXXX. |  |  |  | Reviewer Comment (2022-04-12): Received Bank statements account number XXXXX for borrower assets reviewed updated the details and verified the available assets are sufficient for closing. Exception Cleared<br>Seller Comment (2022-04-11): bk stsement<br>Seller Comment (2022-04-11): bk statement<br>Seller Comment (2022-04-11): bk ststement<br>Seller Comment (2022-04-11): All bk statements | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | QM AUS program; AUS not provided. |  |  |  | Reviewer Comment (2022-04-12): AUS associated & exception cleared.<br>Seller Comment (2022-04-11): AUS | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower #2 4506-C XXXXX and 4506-C XXXXX was missing in this file. |  |  |  | Reviewer Comment (2022-04-25): Documentation provided - exception cleared.<br>Seller Comment (2022-04-21): 4506C | 04/25/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | 1004 & LOX indicates there are no HOA dues, however final CD reflects HOA dues. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-22): XXXXX received document from HOA stating HOA amount of $XXXX per year which is matching with Final CD.<br>Seller Comment (2022-04-22): Email from HOA that verifies the amount of the HOA dues. | 04/22/2022 |  |  | 1 B A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | The only CD found in the file was issued XX/XX/XX - There is not an earlier issued CD in the file. |  |  |  | Reviewer Comment (2022-04-19): XXXXX received XX/XX/XX Initial CD<br>Seller Comment (2022-04-18): CD | 04/19/2022 |  |  | 1 C A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | XXXXX received XX/XX/XX Initial CD. However, missing proof of receive and mailbox rule would be in effect, making borrower receipt date on 4-7, or after closing. Provide proof of earlier receipt within 3 business days of closing. |  |  |  | Reviewer Comment (2022-04-21): XXXXX received disclosure tracking indicating the initial CD was received the same day issued.<br>Seller Comment (2022-04-19): Comp. check | 04/21/2022 |  |  | 1 A |  | XX | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $220.00 exceeds tolerance of $123.00 plus 10% or $135.30. Insufficient or no cure was provided to the borrower. | XXXXX received XX/XX/XX Initial CD, with increased recording costs with no reason stated for the increase. Provide a valid reason to support the increase in recording fees and must be in line with file documentation on lender knowledge of event/increase within 3 business days of redisclosure. |  |  |  | Reviewer Comment (2022-05-02): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Seller Comment (2022-04-29): XXXXX<br>Reviewer Comment (2022-04-29): XXXXX received PCCD,LOE,Refund check and proof of delivery but upon further review cure amount not mentioned in inner side of section J (second page) and lender credit on 1st page of PCCD dated XX/XX/XX.Also fee was reduced on PCCD. Please provide true and certified final settlement statement to verify the same along with corrected CD or detailed LOE .<br>Seller Comment (2022-04-28): cure<br>Reviewer Comment (2022-04-20): XXXXX as per below comment please provide evidence of change in loan program and also the increased number of recording pages that increased the recording fee. Please provide letter of explanation or detailed COC, else need cure documents. Exception remains.<br>Seller Comment (2022-04-20): The COC stated that the program was changed. The program changed resulted in additional documents needing to be recorded, which is why fees increased.<br>Reviewer Comment (2022-04-20): XXXXX received COC dated XX/XX/XX. COC indicating "Additional Service Required by Title". No valid information on what change necessitated the increase of the recording fee was provided. Additional information on the change is required to determine if Recording fee can be rebaselined or provide cure. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Seller Comment (2022-04-19): COC |  | 05/02/2022 |  | 2 B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $450.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Loan origination compensation fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $450.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-31): XXXXXreceived a valid COC on XX/XX/XX for the Appraisal Re-Inspection fee added and remaining cure $250 was provided at closing the addition of the fee increased.<br>Seller Comment (2022-05-27): CS XX/XX/XX The appraisal came in on XX/XX/XX and the property was subject to repairs. This will then require a final inspection to be completed. On XX/XX/XX a Change of Circumstance was submitted for the final inspection. On XX/XX/XX a CD went out to the borrower to re-disclose the final inspection fee. The remaining $250 for the increase in final inspection from $200 to $450 was given as a tolerance lender credit in section J of the final CD. Please see attached. | 05/31/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $450.00 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-31): Sufficient Cure Provided At Closing |  | 05/31/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-13): Letter of Explanation & Corrected Closing Disclosure provided. Cured. |  | 05/13/2022 |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $140.00 exceeds tolerance of $47.00 plus 10% or $51.70. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-12): Sufficient Cure Provided At Closing |  | 05/12/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement. |  |  |  | Reviewer Comment (2022-05-18): Account was removed from use. | 05/18/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-19): Client elects to waive<br>Reviewer Comment (2022-04-19): Client to review.<br>Seller Comment (2022-04-19): Preliminary Title Commitment |  |  | 04/19/2022 | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-27): Received XXXXX with 0% variance from appraised value. Exception cleared. | 04/27/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,175.00 exceeds tolerance of $1,100.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee was last disclosed as $1100.00 on LE but disclosed as $1,175.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, a cure of $75.00 was provided at closing. |  |  |  | Reviewer Comment (2022-04-20): Sufficient Cure Provided At Closing |  | 04/20/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $54.00 exceeds tolerance of $39.00. Sufficient or excess cure was provided to the borrower at Closing. | Credit Report Fee was last disclosed as $39.00 on LE but disclosed as $54.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, a cure of $15.00 was provided at closing. |  |  |  | Reviewer Comment (2022-04-20): Sufficient Cure Provided At Closing |  | 04/20/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-27): Received XXXXX with 0% variance from appraised valued. Exception cleared.<br>Reviewer Comment (2022-04-25): Valuation Received - XX/XX/XX | 04/27/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by $12,050.00. Coverage must be at least the lessor of 80% the Cost to replace new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-04-12): Checklist provided verifies the current dwelling coverage amount is equal to replacement cost of the dwelling.<br>Seller Comment (2022-04-11): XX/XX/XX KM: The insurance policy has a checklist of coverage that is used to ensure the coverage is up to replacement cost. The limit of insurance is XXXXX and is on the basis of replacement cost. This means the dwelling is covered up to the replacement cost, which is XXXXX. Please rescind or have escalated for review.<br>Reviewer Comment (2022-04-07): We do not require proprietary calculation, however, an attestation that says the coverage provided at least meets that number calculated would suffice. Exception remains.<br>Seller Comment (2022-04-05): XX/XX/XX DL: Please rescind. Due to Florida law we are prohibited from requesting a replacement cost estimate. Florida law requires the dwelling coverage to be sufficient. What was provided is what is legally available to us.<br>Reviewer Comment (2022-04-01): The documentation is not sufficient. It is understood that the insurer will not provided their proprietary calculation, however an attestation that says the coverage provided at least meets that number calculated would suffice. Unless the coverage is 100% guaranteed replacement cost then, currently, the replacement coverage is insufficient and proof of sufficient coverage is required.<br>Seller Comment (2022-03-31): XX/XX/XX DL: Please rescind. Please see the attached document stating dwelling is based on replacement cost. | 04/12/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Notice of Special Flood Hazard Disclosure Not Provided Timely | FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. | Borrower was not provided with a copy of the Notice of Special Flood Hazard Disclosure before Closing day. |  |  |  | Reviewer Comment (2022-04-05): Received Notice of special flood hazard disclosure dated within reasonable time prior to closing. Exception cleared.<br>Seller Comment (2022-04-01): BR - XX/XX/XX - Please see the attached Signed Flood Cert from XX/XX/XX | 04/05/2022 |  |  | 1 B A |  | XX | Primary | Purchase | C A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | The appraisal indicated the property was subject to repairs. A 442 Form is required to show the required repairs have been made. Please provide the 442 for the subject property to show the repairs have been made. |  |  |  | Reviewer Comment (2022-04-29): LOE and pictures provided to verify the smoke/CO detector was installed.<br>Seller Comment (2022-04-27): .<br>Seller Comment (2022-04-27): Please see attached | 04/29/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $900.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. | Appraisal Re-Inspection Fee was last disclosed as $200.00 on LE but disclosed as $900.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $700, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-03): XXXXX Received PCCD, LOE, Payment history for Principal reduction for the cure provided<br>Seller Comment (2022-05-02): I have attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction |  | 05/03/2022 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as $750.00 on LE but disclosed as $700.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $50.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-28): XXXXX : Sufficient Cure Provided at Closing | 04/28/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $43.00 exceeds tolerance of $41.00. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $43.00 on LE but disclosed as $41.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-28): XXXXX : Sufficient Cure Provided at Closing.<br>Seller Comment (2022-04-27): .<br>Seller Comment (2022-04-27): Please see attached | 04/28/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Cost to replace new as determined by the insurer was not provided. |  |  |  | Reviewer Comment (2022-04-29): Replacement cost estimator received and verified the details. Exception cleared.<br>Seller Comment (2022-04-28): .<br>Seller Comment (2022-04-28): Please see docs attached | 04/29/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-14): XXXXX received Post CD and LOX.<br>Seller Comment (2022-04-13): PCCD |  | 04/14/2022 |  | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | DU reflects the XXXXX loans were omitted from the DTI, however documentation supporting omission of debts from DTI was not provided. |  |  |  | Reviewer Comment (2022-04-01): Documentation provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-03-29): XX/XX/XX AMB: Documentation attached here.<br>Seller Comment (2022-03-29): XX/XX/XX AMB: Please rescind. Please note that both XXXXX loans were excluded from the borrower's debts due to being paid by the borrower's self-employed business. We documented this by providing 12 months of the payments coming from the business assets, along with the debt being included in the business' expenses listed on the tax returns. Please also note that one of the loans appears to be "missing" a payment, however this was the time between when the old loan closed and the new loan was opened, and this is documented based on the credit report. The month in between the two loans would have been after the old loan closed and before the new payment was due. | 04/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-07): Received Desk Review report dated XX/XX/XX with XXXXXvalue of XXXXX and with variance of 0.00%, verified and associate the document, hence exception cleared. | 04/07/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan Designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-04-01): Documents provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-03-29): XX/XX/XX AMB: Please see the attached responses for the other QM conditions in order to clear this condition. Thank you! | 04/01/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status D C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs don't match and both significantly exceed Guidelines | General QM: The DTIs calculated in accordance with the Lenders Guidelines of XX% and based on 1026.43(e) of XX% significantly exceed the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | DU reflects the XXXXX loans were omitted from the DTI, however documentation supporting omission of debts from DTI was not provided. |  |  |  | Reviewer Comment (2022-04-01): Documents provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-03-29): XX/XX/XX AMB: Please rescind. Please note that both XXXXX loans were excluded from the borrower's debts due to being paid by the borrower's self-employed business. We documented this by providing 12 months of the payments coming from the business assets, along with the debt being included in the business' expenses listed on the tax returns. | 04/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | DU reflects the XXXXX loans were omitted from the DTI, however documentation supporting omission of debts from DTI was not provided. |  |  |  | Reviewer Comment (2022-04-01): Documents provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-03-29): XX/XX/XX AMB: Please rescind. Please note that both XXXXX loans were excluded from the borrower's debts due to being paid by the borrower's self-employed business. We documented this by providing 12 months of the payments coming from the business assets, along with the debt being included in the business' expenses listed on the tax returns. Please also note that one of the loans appears to be "missing" a payment, however this was the time between when the old loan closed and the new loan was opened, and this is documented based on the credit report. The month in between the two loans would have been after the old loan closed and before the new payment was due. | 04/01/2022 |  |  | 1 C A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-04-07): Received Desk Review report dated XX/XX/XX with XXXXXvalue of XXXXX and with variance of 0.00%, verified and associate the document, hence exception cleared.<br>Reviewer Comment (2022-04-05): Valuation Received - XX/XX/XX | 04/07/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-03): XXXXX received and details verified. Exception cleared. | 05/03/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-18): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared. | 04/18/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-04-12): Final Title report received and policy amount verified. Exception Cleared. | 04/12/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $705.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal Fee disclosed was last disclosed as $700.00 on LE but disclosed as $705.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-07): Sufficient Cure Provided At Closing |  | 04/07/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $114.90 exceeds tolerance of $36.00. Sufficient or excess cure was provided to the borrower at Closing. | Verification of Employment Fee disclosed was last disclosed as $36.00 on LE but disclosed as $114.90 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing. |  |  |  | Reviewer Comment (2022-04-07): Sufficient Cure Provided At Closing |  | 04/07/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-04-12): Final Title report received and policy amount verified. Exception Cleared.<br>Seller Comment (2022-04-11): XX/XX/XX AMB: Please see the attached final title policy. Please rescind. | 04/12/2022 |  |  | 1 B A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-18): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-04-15): Valuation Received - XX/XX/XX | 04/18/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX, Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. | XXXXX business returns were not provided and no extension in file. |  |  |  | Reviewer Comment (2022-04-27): Client elects to waive.<br>Reviewer Comment (2022-04-26): Business Tax filing due date is on XX/XX/XX, the personal filings are due on XX/XX/XX. Please provide the Business tax filing or extension.<br>Seller Comment (2022-04-25): XX/XX/XX AMB: Please rescind. Please note that the filing deadline to submit XXXXX tax returns was XX/XX/XX. This loan closed on XX/XX/XX which is prior to that date. Therefore, the XXXXX business returns were not yet due by the time this loan closed, nor was an extension for the XXXXX returns required. This is also supported by XXXXX guideline B1-1-03. |  |  | 04/27/2022 | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide Supporting Documentation for additional $87.75 monthly debt on the property located on XXXXX. as indicated on the Final 1003. |  |  |  | Reviewer Comment (2022-04-29): HOA verification provided, exception cleared.<br>Seller Comment (2022-04-28): Ø Please see the attached HOA statement for the XXXXX property showing quarterly HOA fee is $XXXXx4/12=$XXXX/mo | 04/29/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Asset documentation not provided in loan file. Provided bank statements used for loan qualification. |  |  |  | Reviewer Comment (2022-03-31): Asset documents received & associated. Exception cleared.<br>Seller Comment (2022-03-30): XXXXX statements | 03/31/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-04-19): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared. | 04/19/2022 |  |  | 1 D A |  | XX | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-04-19): Received Desk Review Report dated XX/XX/XX from XXXXXwith XXXXX value of XXXXX and which gives variance of 0.00% from appraised value, verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-04-16): Valuation Received - XX/XX/XX | 04/19/2022 |  |  | 1 A |  | XX | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $142.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing. | Ten Percent Fee Tolerance exceeded. Total amount of $142.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  | Reviewer Comment (2022-05-04): Sufficient Cure Provided At Closing |  | 05/04/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $18,308.36 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | The Loan Discount Points were not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $18,308.36, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. <br> According to the Changed Circumstance form, a CD addressing this change was redisclosed on XX/XX/XX. However, this CD was not found in the file. |  |  |  | Reviewer Comment (2022-04-18): XXXXX received valid COC<br>Seller Comment (2022-04-18): Please see attached | 04/18/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $93.89 exceeds tolerance of $80.00. Insufficient or no cure was provided to the borrower. | The Tax Service Fee (Life Of Loan) was last disclosed as $80.00 on LE but disclosed as $93.89 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $13.89, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-04-28): XXXXX received PCCD, LOE & Payment history.<br>Seller Comment (2022-04-27): .<br>Seller Comment (2022-04-27): I have attached the updated PCCD and payment history to re-disclose and confirm that the cited cost has been cured with a principal reduction, please submit to the investor for review. Thank you!<br>Reviewer Comment (2022-04-18): XXXXX received COC dated XX/XX/XX stating product change, however we would require additional information or approval document confirming the product type prior to the change. Kindly provide the same for further evaluation<br>Seller Comment (2022-04-18): Please see attached |  | 04/28/2022 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The 1084 or income worksheet was not provided in the file. |  |  |  | Reviewer Comment (2022-04-04): Received Income worksheet document, verified and Associated. Exception Cleared.<br>Seller Comment (2022-04-01): income docs | 04/04/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the mortgage statement, taxes and insurance for the following for the rental properties located at XXXXX, and XXXXX. |  |  |  | Reviewer Comment (2022-04-07): Documents received.<br>Seller Comment (2022-04-06): income docs<br>Reviewer Comment (2022-04-04): Received Mortgage statement, Tax, Insurance & HOA Verification documents for both REO properties, verified and associated documents. For REO, #XXXXX-after taking Tax, Insurance & HOA (XXXX/2 + XXX/12) total expense is $XXXX while per 1003 total expense is $XXXX. Please clarify the variance. Exception remains.<br>Seller Comment (2022-04-01): XXXXX | 04/07/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the amount of non-escrowed property costs over Year 1 as $XXXX on page 4; however the information for the HOA dues was not provided, we are missing proof of the HOA dues to calculate properly. |  |  |  | Reviewer Comment (2022-04-06): Client elects to waive.<br>Seller Comment (2022-04-06): Hi , See comment from my closing team<br> Need the investor breakdown of fees included in Total of payments on page 5. The XXXXX in the file show passing. <br>Thanks,<br> XXXXX<br> XXXXX |  |  | 04/06/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $193.00 exceeds tolerance of $175.00 plus 10% or $192.50. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $0.50 due to the recording fee increase of $18.00 No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2022-03-29): Sufficient Cure Provided At Closing |  | 03/29/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-05): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 05/05/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX/ 2 days - XXXXX- No MLS Sheets |  |  |  | Reviewer Comment (2022-05-05): Received XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-05-03): Valuation Received - XX/XX/XX | 05/05/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  |  |  |  |  | Reviewer Comment (2022-05-23): Occupancy rider received & associated. Exception cleared.<br>Seller Comment (2022-05-20): Please see Occupancy Rider.<br>Reviewer Comment (2022-05-19): As per security instrument there are two rider PUD and occupancy. PUD rider is already available on file. Please provide Occupancy rider. Exception remains.<br>Seller Comment (2022-05-17): Please see the security instrument with the rider. | 05/23/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  |  |  |  |  | Reviewer Comment (2022-05-23): Additional month account statement for XXXXX account XXXXX & proof of EMD received & associated. Exception cleared.<br>Seller Comment (2022-05-20): Please see proof EMD and and source of the funds.<br>Seller Comment (2022-05-20): The provided XXXXX statements account XXXXX is for 2 months. The months of February and March.<br>Reviewer Comment (2022-05-19): We have received 2 months bank statement for XXXXX account XXXXX and one months bank statement for XXXXX account XXXXX (XX/XX/XX - XX/XX/XX). Please provide one more month statement for XXXXX account XXXXX, proof for EMD (XXXXX) deposit receipt and source of funds. Exception remains.<br>Seller Comment (2022-05-17): Please see all bank statements. | 05/23/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  |  |  |  |  | Reviewer Comment (2022-05-23): Additional month account statement for XXXXX account XXXXX & proof of EMD received & associated. Exception cleared.<br>Seller Comment (2022-05-20): All required docs are now uploaded.<br>Reviewer Comment (2022-05-19): We have received 2 months bank statement for XXXXX account XXXXX and one months bank statement for XXXXX account XXXXX (XX/XX/XX - XX/XX/XX). Please provide one more month statement for XXXXX account XXXXX, proof for EMD (XXXXX) deposit receipt and source of funds. Exception remains.<br>Seller Comment (2022-05-17): Please see all bank statements. | 05/23/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  |  |  |  |  | Reviewer Comment (2022-05-19): Permanent resident alien card received and verified the details. Exception Cleared.<br>Seller Comment (2022-05-17): Please see permanent resident alien card. | 05/19/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - REO 25% Method | General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. |  |  |  |  | Reviewer Comment (2022-05-20): Entered in the tax, Insurance and Lease information for investment property.<br>Seller Comment (2022-05-17): Please see all the REO docs. | 05/20/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | 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 XX/XX/XX 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. |  |  |  |  | Reviewer Comment (2022-05-18): Client elects to waive.<br>Seller Comment (2022-05-17): Please take a look at the final CD again. In the projected payments section "Other" is for the HOA's not the homeowners insurance. HOA's are not being escrowed. The CD is reflected correctly. |  |  | 05/18/2022 | 2 B |  | XX | Primary | Purchase | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) |  |  |  | Reviewer Comment (2022-05-20): Entered in the tax, Insurance and Lease information for investment property.<br>Seller Comment (2022-05-17): Please confirm if your needing an updated 1008 to reflect ATR/QM status? | 05/20/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | HOI coverage is insufficient by XXXXX. Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2022-05-09): Received Replacement Cost Estimator with Estimated Replacement Cost as XXXXX. Document associated. Exception cleared. | 05/09/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees. |  |  |  | Reviewer Comment (2022-05-05): XXXXX received Letter of Explanation & Corrected Closing Disclosure. | 05/05/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-10): XXXXX Upon further review received clarification for Non escrowed property cost<br>Seller Comment (2022-05-09): County tax is $XXXX/yr & city tax is $XXXX/yr. Attached is the 1008 & Tax Cert(s). The City tax seen on page 2 is not escrowed because it is a special assessment. Non-Escrowed Special Assessment of $XXXX/yr + Non-Escrowed HOA of $XXXX/yr = Non-Escrowed $XXXX/yr.<br>HOI = $XXXX/mo $XXXX/yr <br> Taxes = $XXXX/mo $XXXX/yr <br> HOA = $XXXX/mo $XXXX/yr<br>Total= $XXXX/mo $XXXX/yr | 05/10/2022 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | There is no evidence of an earlier CD for this loan provided to the borrower within at least 3 business days prior to closing. |  |  |  | Reviewer Comment (2022-06-28): XXXXX received XX/XX/XX Initial CD<br>Seller Comment (2022-06-24): CD | 06/28/2022 |  |  | 1 C A |  | XX | Second Home | Refinance - Rate/Term | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $894.70 exceeds tolerance of $890.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-22): Sufficient Cure Provided At Closing |  | 06/22/2022 |  | 1 A |  | XX | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Documents | Missing Document | Documents | File does not contain documentation form lender/seller confirming the condo is warrantable. |  | Condominium and PUD Warranty from in file reflects the condo is non-warrantable. |  |  |  | Reviewer Comment (2022-05-23): Meets non-warrantable requirements.<br>Seller Comment (2022-05-23): Loan meets requirements for non-warrantable properties per XXXXX guides. Please waive this suspense<br>Reviewer Comment (2022-05-17): Please provide the lender's attestation document confirming the condominium project is warrantable & meets guidelines. Exception Remains<br>Seller Comment (2022-05-16): warranty attached | 05/23/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) | No seller paid fees |  |  |  | Reviewer Comment (2022-05-18): Purchase contract is between borrower and builder, no seller fees were imposed. Exception cleared.<br>Seller Comment (2022-05-16): Per closer there were no seller paid fees for this loan. Seller signed CD supports this. | 05/18/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $955.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided. |  |  |  | Reviewer Comment (2022-05-10): Sufficient Cure Provided At Closing |  | 05/10/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Of Employment Fee. Fee Amount of $34.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided. |  |  |  | Reviewer Comment (2022-05-10): Sufficient Cure Provided At Closing |  | 05/10/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $24,626.05 exceeds tolerance of $24,558.00. Sufficient or excess cure was provided to the borrower at Closing. | Cure provided. |  |  |  | Reviewer Comment (2022-05-10): Sufficient Cure Provided At Closing |  | 05/10/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | Note loan amount of XXXXX is less than Guideline minimum loan amount of XXXXX. Per guidelines minimum loan amount $1 over the general one-unit agency limit. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2022-05-24): Client elects to waive: Please downgrade and waive with comp factors: XX% DTI, XX in reserves & XXX FICO<br>Reviewer Comment (2022-05-23): Client to review.<br>Seller Comment (2022-05-23): see attached |  |  | 05/24/2022 | 2 C B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-18): Received Desk Review report dated XX/XX/XX with CDA value of $XXXX and with variance of 0.00%, verified and associated the document, hence exception cleared. | 05/18/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-3,747.00. | Lender Credit was last disclosed as $-3,747.00 on LE but disclosed as $0.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $3,747.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-05-16): SitusAMC received VCC.<br>Seller Comment (2022-05-12): All Lock Confirmations that show the adjustments in the credit/charge for the rate.<br>Seller Comment (2022-05-12): All LE's for re-disclosure of pricing adjustments to the credit for the rate.<br>Seller Comment (2022-05-12): Both CofC's for the loan amount adjustments<br>Seller Comment (2022-05-12): Closing Disclosure<br>Seller Comment (2022-05-12): Loan was locked on XX/XX/XX with a final price for the rate at -0.645% or $-5,805.00. On 2.21 there was a Change of Circumstance that changed the loan amount from $900,000.00 to $581,000.00 causing an adjustment to the final price to 0.645% or $-3,747.45. An LE went out to the borrower on the same day. There was another Change of Circumstance for the loan amount on XX/XX/XX that changed the loan amount from $581,000.00 to $735,000.00 causing the price to adjust to -0.645% or $-4,740.75. This was not re-disclosed within 3-days as it is not borrower harm when the credit for the rate increases. On 4.01 there was a 14 day Lock extension that cause there to be a hit to pricing with a final charge for the rate at -0.295% or $-2,168.25. On wholesale loans, lock actions are acceptable changes of circumstance. An LE went out to the borrower on the same day. There was a another Lock extension for 21 days on 4.18 that caused the final cost for the rate to change from a credit to a charge and had a final cost for the rate to the borrower of 0.755% or $6,591.15. A CD went out to the borrower on that same day. Please see that attached Change of Circumstances, Lock Confirmations, Loan Estimates, and Closing Disclosure. | 05/16/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,309.50 exceeds tolerance of $1,300.00. Insufficient or no cure was provided to the borrower. | Transfer Tax. Fee Amount of $1,309.50 exceeds tolerance of $1,300.00. Insufficient or no cure was provided to the borrower. (8304) |  |  |  | Reviewer Comment (2022-05-16): Sufficient cure provided at closing.<br>Reviewer Comment (2022-05-11): SitusAMC: Cure provided at closing is insufficient to cure for all the citing exception. We need additional cure for $3,747 for Lender credit fee. We will clear this exception once we received resolution on the lender Credit citing. Exception remains.<br>Seller Comment (2022-05-11): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $9.50 in section J on the Closing Disclosure for the increase in Transfer Tax from $1,300 to $1,309.50. | 05/16/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-05-18): Received Desk Review report dated XX/XX/XX with CDA value of $XXXX and with variance of 0.00%, verified and associated the document, hence exception cleared.<br>Reviewer Comment (2022-05-17): Valuation Received - XX/XX/XX | 05/18/2022 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,309.50 exceeds tolerance of $1,300.00. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2022-05-16): Sufficient Cure Provided At Closing |  | 05/16/2022 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | The preliminary title report in file disclosed an amount of title insurance coverage that is less than the loan amount. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-05-17): Client elects to waive.<br>Reviewer Comment (2022-05-16): Provided document is not for the borrower or subject property. Provide a copy of the Final Title Policy or an addendum to the preliminary report verifying the title insurance of at least the loan amount. Exception remains.<br>Seller Comment (2022-05-13): XX/XX/XX RF see attached please clear thank you |  |  | 05/17/2022 | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-05-25): CDA received and verified the details. Exception Cleared. | 05/25/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $61.50 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $61.50 exceeds tolerance of $35.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) |  |  |  | Reviewer Comment (2022-05-16): Sufficient Cure Provided At Closing |  | 05/16/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-05-25): CDA received and verified the details. Exception Cleared.<br>Reviewer Comment (2022-05-24): Valuation Received - XX/XX/XX | 05/25/2022 |  |  | 1 A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-10): Desk review provided. | 06/10/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year. Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-07): SitusAMC received HOA document stating the HOA amount as $XXXX per month which is matching with Final CD.<br>Seller Comment (2022-06-06): AMC XX/XX/XX CW - Please rescind. Please see HOA invoice documenting $XXXX per month from XXXX. $XXXX x 12 = $XXXX + Tax: $XXXX x 12 = $XXX + HOI: $XXXX x 12 = $XXXX. --> $XXXX on page 1. | 06/07/2022 |  |  | 1 B A |  | XX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $641.52 exceeds tolerance of $277.02. Insufficient or no cure was provided to the borrower. | Loan Discount Points Fee was last disclosed as $277.00 on LE but disclosed as $641.52 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $364.52, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-06): SitusAMC received rate lock dated XX/XX therefore no cure required, Exception Cleared.<br>Seller Comment (2022-06-03): CS XX/XX/XX On XX/XX/XX there was a 2 day lock extension applied that changed pricing from $XXXX to $XXXX, which was disclosed on a CD On XX/XX/XX . Please see attached lock confirmations and CD. | 06/06/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $650.00 on LE but disclosed as $725.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $75.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-06): SitusAMC sufficient cure provided at closing.<br>Seller Comment (2022-06-03): CS XX/XX/XX Please see attached Final Closing Disclosure that shows a credit was given to the borrower at closing in the form of a tolerance in the amount of $75 in section J on the Closing Disclosure for the increase in Appraisal fee from $650 to $725. | 06/06/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $725.00 exceeds tolerance of $650.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-06-06): Sufficient Cure Provided At Closing |  | 06/06/2022 |  | 1 A |  | XX | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | Clear Capital / 2 days - CDA - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-15): Desk review provided.<br>Reviewer Comment (2022-06-07): Valuation Received - XX/XX/XX | 06/15/2022 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $2,618.00 exceeds tolerance of $1,899.00. Insufficient or no cure was provided to the borrower. | Processing Fee was last disclosed as $1,899.00 on Final Signed Closing Disclosure issued on XX/XX/XX but disclosed as $2,618.00 on Post Closing Disclosure issued on XX/XX/XX. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a revised post-close CD disclosing the tolerance cure to include $719, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-15): XXXXX Received a corrected PCCD showing the correct fee name as Jumbo loan fee. Final settlement statement is availabe on file that matches the information on the PCCD. exception cleared.<br>Seller Comment (2022-06-14): (XXXXX) Please see the attached PCCD<br>Reviewer Comment (2022-06-13): "XXXXX received attestation letter. Please provided corrected PCCD to reflect the fee has Jumbo loan fee or else provided attestation letter reflecting both the fee name are same.<br>Seller Comment (2022-06-13): (XXXXX) Please see the attached attestation<br>Reviewer Comment (2022-06-09): XXXXX upon further review, received attestation; however, please provide Lender attestation stating the reason as the fee is incorrectly disclosed in the wrong section. From LE dated XX/XX/XX to Final CD dated XX/XX/XX it was updated in Section B (Jumbo Loan Fee) and on PCCD XX/XX/XX it has been added in Section A (Processing Fee). Please provide an attestation stating both the fees are the same.<br>Seller Comment (2022-06-08): (XXXXX) Please see the attached letter<br>Reviewer Comment (2022-06-03): XXXXX as per below comment the fee is incorrectly disclosed under wrong section, to clear this exception we need lender attestation stating the reason. Kindly provide the attestation.<br>Seller Comment (2022-06-02): (XXXXX) Initial LE disclosed Jumbo loan fee incorrectly in section B which shows on initial CD dated XX/XX/XX as paid to lender CD dated XX/XX/XX is the corrected CD moving Fee to proper Section A as it is an Origination fee (Processing Fee). | 06/15/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | There were red flagged issues listed on the Fraud report. However, there was no evidence of these issues being cleared or even reviewed. Please provide a fraud report with all red flagged issues cleared. |  |  |  | Reviewer Comment (2022-06-03): Please ignore previous comments on XX/XX/XX, 2:48 PM. Complete fraud guard report received with red flags resolved. Exception cleared.<br>Seller Comment (2022-06-02): (XXXXX) FG Report Attached | 06/03/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) and HOA ($XXXX) total are $XXXX per year. Provide a post-close CD correcting on page 4; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-16): Client elects to waive. |  |  | 06/16/2022 | 2 B |  | XX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $102.00 exceeds tolerance of $92.00 plus 10% or $101.20. Insufficient or no cure was provided to the borrower. | 10% tolerance was exceeded by $0.80 due to increase of recording fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $0.80, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-28): SitusAMC Received PCCD, LOE, Copy of check and delivery report for the cure provided<br>Seller Comment (2022-06-27): PCCD |  | 06/28/2022 |  | 2 C B |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  | File is missing a copy of the COVID-19 Attestation signed by borrowers. |  |  |  | Reviewer Comment (2022-04-18): Received Borrower Attestation for/as Covid19 attestation, document associated. Exception cleared.<br>Buyer Comment (2022-04-15): Covid19 | 04/18/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | AUS Findings: Available for Reserves discrepancy. |  | Verified reserves after closing of XXXXX are insufficient to cover the DU required reserves of XXXXX. Verified reserves are XX%, which is below the DU Reserve Tolerance of XX%. Additional assets verified with 2 months of recent statements, or resubmission to DU with the lower reserves amount is required. Upon receipt of the additional assets or the resubmitted DU, additional conditions may apply. |  |  |  | Reviewer Comment (2022-04-21): Received the IRA account statement of the XXXXX with asset balance of XXXXX. Sufficient reserves to cover the DU required reserves.Exception cleared.<br>Buyer Comment (2022-04-20): XXXXX | 04/21/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | General | Credit | Initial Rate Lock rate date is not documented in file. |  | File is missing the XXXXX Rate Lock as required by the client's guidance. |  |  |  | Reviewer Comment (2022-04-18): We have received Rate lock document, associated and details updated. Exception cleared.<br>Buyer Comment (2022-04-15): Rate lock | 04/18/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | AUS | General | AUS | Investor Qualifying Debt Ratio is less than 0.00%. | DTI: ___; <br> Total Income: ___ |  |  |  |  | Reviewer Comment (2022-04-21): Exception cleared. | 04/21/2022 |  |  | 1 A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / MCAW" is missing. |  | Received the IRA account statement of the XXXXX with asset balance of XXXXX. Sufficient reserves to cover the DU required reserves. However we would require updated 1008 and AUS as assets has been updated. |  |  |  | Reviewer Comment (2022-04-22): Received revised 1008 and 1003 and associated the same in file. Exception cleared.<br>Buyer Comment (2022-04-21): XXXXX 1008 | 04/22/2022 |  |  | 1 A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Received the IRA account statement of the XXXXX with asset balance of XXXXX. Sufficient reserves to cover the DU required reserves. However we would require updated 1008 and AUS as assets has been updated. |  |  |  | Reviewer Comment (2022-04-22): Received revised AUS and same has been associated in the file. Exception cleared.<br>Buyer Comment (2022-04-21): DU | 04/22/2022 |  |  | 1 A |  | XX | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | Missing Document: COVID-19 Attestation not provided |  | The file is missing the Borrower Attestation with the required COVID-19 verbiage. |  |  |  | Reviewer Comment (2022-04-28): Borrower Attestation with the required COVID-19 verbiage has been provided. Exception cleared.<br>Buyer Comment (2022-04-27): Covid | 04/28/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | The file is missing a copy of the XXXXX Rate Lock. |  |  |  | Reviewer Comment (2022-04-28): XXXXX Rate Lock has been provided. Exception cleared.<br>Buyer Comment (2022-04-27): lock | 04/28/2022 |  |  | 1 B A |  | XX | Second Home | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. | Lender AUS shows HOA dues in the amount of $XXXX per month included in monthly payment. Final CD reflects annual amount of Non-escrowed property costs in the amount of $XXXX, however, the property is not a PUD or condo and the file does not contain any documentation for the addition of a non-escrowed cost of $XXXX per month. |  |  |  | Reviewer Comment (2022-05-05): XXXXX Received PCCD and LOE<br>Buyer Comment (2022-05-04): revised LOX<br>Buyer Comment (2022-05-04): TRID |  | 05/05/2022 |  | 2 B |  | XX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $575.00. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $575.00 on LE but disclosed as $650.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of sufficient cure. |  |  |  | Reviewer Comment (2022-05-04): XXXXX : Upon further review, sufficient cure was provided at closing.<br>Buyer Comment (2022-05-04): TRID<br>Reviewer Comment (2022-04-27): XXXXX: Cure provided at closing $75 is insufficient to cure for all the citing (Appraisal Fee + Pest Inspection Fee) exception. Exception will be cleared on resolution of Pest Inspection Fee Exception.<br>Buyer Comment (2022-04-27): $75.00 cure done at closing | 05/04/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Termite/Pest Inspection Fee in the amount of $175.00 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. |  |  |  | Reviewer Comment (2022-05-05): XXXXX received PCCD XX/XX/XX & LOE dated XX/XX/XX Pest inspection Fee has been moved to Section H.<br>Buyer Comment (2022-05-04): Revised LOX<br>Reviewer Comment (2022-05-04): XXXXX received PCCD along with LOX for the Termite fee moved to Section H. However in LOX the amount mentioned for the Termite fee is $150 which is incorrect and should have been $175 . Please provide updated correct LOX in order to clear this exception. | 05/05/2022 |  |  | 1 C A |  | XX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $575.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2022-05-04): Sufficient Cure Provided At Closing |  | 05/04/2022 |  | 1 A |  | XX | Second Home | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | File only contains the Final Closing Disclosure dated XX/XX/XX, which was signed and dated by the borrower on XX/XX/XX. File is missing evidence the borrower received the Final Closing Disclosure at least 3 business days prior to the closing date of XX/XX/XX. |  |  |  | Reviewer Comment (2022-03-02): XXXXX received XX/XX/XX CD<br>Buyer Comment (2022-03-01): see attached initial cd. | 03/02/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Water Testing Fee. Fee Amount of $164.74 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Water Testing Fee was not disclosed on the Initial Loan Estimate, but disclosed as $164.74 in Section C instead of Section H on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $164.74 was not provided. |  |  |  | Reviewer Comment (2022-03-03): XXXXX upon further review received corrected PCCD and LOE for fee moved to sec H. Hence no Tolerance violation for Water Bill.<br>Buyer Comment (2022-03-02): see attached pccd docs | 03/03/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | Loan amounts > $1.5mm require a 2nd appraisal. AVM not acceptable as a secondary valuation for securitization. |  |  |  | Reviewer Comment (2022-02-28): 2nd appraisal provided.<br>Buyer Comment (2022-02-25): see attached initial appraisal.<br>Reviewer Comment (2022-02-24): Appraisal provided is a duplicate. Exception remains.<br>Buyer Comment (2022-02-23): see attached 2nd aprsl. | 02/28/2022 |  |  | 1 D A |  | XX | Primary | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $649.00 exceeds tolerance of $397.00 plus 10% or $436.70. Sufficient or excess cure was provided to the borrower at Closing. | Final CD provided cure for tolerance increase in fees. |  |  |  | Reviewer Comment (2022-02-22): Sufficient Cure Provided At Closing |  | 02/22/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | Final CD provided cure for tolerance increase in fees. |  |  |  | Reviewer Comment (2022-02-22): Sufficient Cure Provided At Closing |  | 02/22/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2022-06-06): Document provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-06-03): Receipt of XXXXX confirm came from this account | 06/06/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX and after the disbursement date of XX/XX/XX. Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation. |  |  |  | Reviewer Comment (2022-06-09): Received Buyers Final settlement statement and Disbursement date is XX/XX/XX updated the details. Exception Cleared<br>Seller Comment (2022-06-07): Buyer Final<br>Reviewer Comment (2022-06-06): The note date is XX/XX/XX & the disbursement date is XX/XX/XX per final CD in file. The settlement statement provided is estimated & not the final settlement so we cannot consider the date from it. Please provide the signed final settlement statement for this property or else provide the hazard insurance policy which covers the note date. Exception remains.<br>Seller Comment (2022-06-03): Insurance in effect before disbursement (XX/XX/XX) and day after signing. | 06/09/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank XXXXX): Employment history requirement not met. | The file is missing documentation to verify the start and end dates for the borrower's self-employment to verify a 2 year employment history, gaps, and length of gaps as required. |  |  |  | Reviewer Comment (2022-06-22): Loan program updated. Exception cleared.<br>Reviewer Comment (2022-06-15): XX/XX/XX: There has been no documentation to verify the start and end date of self employment for XXXXX. Missing a CPA letter or business license or acceptable third party verification.<br>Seller Comment (2022-06-13): Birth of a child.<br>Seller Comment (2022-06-13): Gap was for birth/care of a newborn.<br>Reviewer Comment (2022-06-09): XX/XX/XX: No new documentation has been provided to clear this exception.<br>Seller Comment (2022-06-07): XXXXX filed sched C in XXXXX as sole prop<br>Seller Comment (2022-06-07): XXXXX Filed Sched C in XXXXX as sole prop.<br>Seller Comment (2022-06-06): I don't know what would be provided to verify self employement when the borrower is not self-employed. XXXXX has been in his position for 5 years, and has not ownership in company.<br>Reviewer Comment (2022-06-06): XX/XX/XX: No new documentation has been provided to clear this exception.<br>Seller Comment (2022-06-03): Neither borrower is self employed. | 06/22/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $154.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | Desk Review Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Provide a post-close CD disclosing the tolerance cure to include $154.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-06-13): XXXXX upon further review received Attestation for Second Appraisal Fee name changed to Appraisal Desk Review Fee.<br>Seller Comment (2022-06-10): The second appraisal and CDR are the same fee. Since the risk value on the appraisal was low, a second appraisal is not required to support value. The result is is a reduction in fees to the borrower and is to their benefit.<br>Reviewer Comment (2022-06-06): XXXXX - Appraisal Desk Review fee was not disclosed on initial LE & was later added on LE dated XX/XX/XX for $400. COC dated XX/XX/XX indicates XXXXX fee of $400 was added to loan. No information on what change necessitated the addition of the fee was provided. Additional information on the change is required to determine if fee can be rebaselined. Exception remains.<br>Seller Comment (2022-06-03): Desk review fee of $400 was disclosed on LE, Sect B | 06/13/2022 |  |  | 1 C A |  | XX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (43-Q) does not match Due Diligence Loan Designation of Non QM. | The file is missing documentation to verify the start and end dates for the borrower's self-employment to verify a 2 year employment history, gaps, and length of gaps as required. |  |  |  | Reviewer Comment (2022-06-22): Loan program updated. Exception cleared.<br>Reviewer Comment (2022-06-06): XX/XX/XX: No new documentation has been provided to clear this exception.<br>Seller Comment (2022-06-03): Neither borrower is self employed | 06/22/2022 |  |  | 1 B A C |  | XX | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History | Qualified Mortgage (Dodd-Frank XXXXX): Employment history requirement not met. | Co-borrower has a gap in employment from XX/XX/XX to XX/XX/XX and LOE for employment gap was not provided. |  |  |  | Reviewer Comment (2022-06-14): Document provided XX/XX/XX. Exception cleared XX/XX/XX.<br>Seller Comment (2022-06-13): Birth of a child/Covid | 06/14/2022 |  |  | 1 A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Employment History - Current Job after Gap | Qualified Mortgage (Dodd-Frank XXXXX): Current Job History post-Gap with LOE, lacking 6 months on current job. | Current Job History post-Gap with LOE, lacking 6 months on current job. (XXXXX) |  |  |  | Reviewer Comment (2022-06-22): Loan program updated. Exception cleared.<br>Reviewer Comment (2022-06-15): Appendix Q requires a borrower with a job gap >6 months to have 6 months of current employment prior to consummation of the loan. The co-borrowers current employment was projected income at the time of consummation with >6 month job gap prior. Exception remains.<br>Seller Comment (2022-06-14): 6 months have not passed since loan closing. Borrower has been working since closing. | 06/22/2022 |  |  | 1 A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Litigation present in condo project, client request to add exception. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower has worked in the same position for more than 3 years. | XXX versus XXX<br>More than 3 years on the job | SitusAMC<br>SitusAMC,Aggregator | Reviewer Comment (2022-04-19): Client elects to waive with compensating factors. |  |  | 04/19/2022 | 2 B |  | XX | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file is missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-02-28): Received title report. Exception cleared. | 02/28/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of XXXXX is less than the note amount of XXXXX based on the Commitment in file. |  |  |  | Reviewer Comment (2022-02-28): Received title with policy amount as XXXXX. Exception cleared.<br>Buyer Comment (2022-02-25): Updated TP attached | 02/28/2022 |  |  | 1 B A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $34,243.84 exceeds tolerance of $17,819.00. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $17,819.00 on LE but disclosed as $34,243.84 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $16,424.84, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2022-02-22): XXXXX received COC dated XX/XX/XX showing rate lock. No additional cure is needed.<br>Buyer Comment (2022-02-18): Corresponding rate lock<br>Buyer Comment (2022-02-18): COC/CD cover letter with change details and corresponding CD - Per Lender: Rate changed from 3.25% to 3.625%, loan amount changed from XXXXX to XXXXX, pricing changed from a cost of 3.334 to a cost of 3.452. | 02/22/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). | Disclosure reflects Total Of Payments of $1,665,946.77 but calculated Total Of Payments of $1,666,056.77. Variance = -$110.00. |  |  |  | Reviewer Comment (2022-03-28): Letter of Explanation, Proof of Delivery, Refund check for under disclosed equivalent amount, Corrected CD, and Re-open Rescission provided. Cured.<br>Reviewer Comment (2022-03-02): XXXXX received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.<br>Buyer Comment (2022-03-01): See attached proof of delivery, LOE, copy of check, and CD.<br>Reviewer Comment (2022-02-22): XXXXX received rebuttal that Title-Escrow Doc Prep is not finance charge. However on TOP violation, the increase in costs over tolerance on the PCCD caused underdisclosure violation. TOP disclosed on the final CD is inaccurate based on fees disclosed on the PCCD dated XX/XX/XX resulting from $110 increase in borrower paid loan costs reflected in Section D. XXXXX's testing approach as a TPR assumes that fee changes reflected on a PCCD are corrections, rather than updates of fees that would result from changes that occurred after closing. That is, a lender incorrectly disclosed fees they were aware of (or should have been aware of) on the final CD and therefore issued a PCCD reflecting the actual fees that should have been disclosed on the final CD. Accordingly, XXXXX will calculate the TOP based on corrected fees on the PCCD and cite exceptions if the TOP disclosed on the final CD (provided at or before consummation) is inaccurate based on the updated fees shown on PCCD. The reason for testing in this manner is that (1) 1026.17(b) (and related commentary) provides that disclosures must be made before consummation; (2) 1026.19(f)(1)(ii) and (f)(2)(ii) require the CD to be provided 3 business days before consummation; and (3) 1026.19(f)(2) and (ii) provide that the CD must be provided before or at consummation. One exception to this would be if the PCCD was issued only due to a change in interim interest (based on a change in disbursement date), such changes would not result in any exception for the PCCD. The cure for the TOP exception includes a Letter of Explanation, Copy of Refund check for full under-disclosed amount, Proof of Delivery, Reopening Rescission, and Corrected CD. Tolerance was exceeded.<br>Buyer Comment (2022-02-18): Please re-run compliance $60.00 fee is a Doc Prep fee, not a TItle - Settlement fee.<br>Reviewer Comment (2022-02-15): Satisfactory PCCD provided. Please provide the following: Letter of Explanation, Proof of Delivery, Refund check for under disclosed equivalent amount, and Re-open Rescission if Applicable |  | 03/28/2022 |  | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-02-25): All QM related exceptions have been addressed. | 02/25/2022 |  |  | 1 B A C |  | XX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.74527% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $35,788.84 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $28,667.26 (an overage of $7,121.58 or .74527%). | Total fees financed by lender is $35,788.84. Threshold maximum is $28,667.26. Lender's Compliance Report is missing in file. |  |  |  | Reviewer Comment (2022-02-25): Undiscounted rate and price provided.<br>Buyer Comment (2022-02-24): Compliance Audit Report | 02/25/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing the YTD Balance Sheet and Profit & Loss documents for borrower's self employed business. |  |  |  | Reviewer Comment (2022-03-09): P&L and Balance sheet provided.<br>Buyer Comment (2022-03-07): P & L and Balance sheet<br>Reviewer Comment (2022-02-23): Lender has used the negative income of Schedule C business ($XXXX) for calculation hence YTD P&L and balance sheet is require. Since borrower primary source of employment is Retirement/SSI income and if lender would like to not consider this income then provide updated 1003/AUS/1008 without income from Schedule C. Exception Remains.<br>Buyer Comment (2022-02-22): Lender Response: "We aren't using any income from Sch C business so no P/L or balance sheet is required." | 03/09/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. |  | Consumer debts and Non Purchase Money 2nds paid through closing are considered "Cash Out". | Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Borrower has worked in the same position for more than 3 years.<br>XXX versus XXX | Aggregator,SitusAMC<br>SitusAMC,Originator Pre-Close,Originator,Aggregator | Reviewer Comment (2022-03-29): Client request to waive with compensating factors.<br>Reviewer Comment (2022-03-29): The application date is XX/XX/XX. The borrowers made around a 6k withdrawal on XX/XX/XX (just shy of the full 12 months). The HELOC balance of XXXXX increased to XXXXX<br>Reviewer Comment (2022-03-28): Pay history verified. HELOC not to be included in C/O.<br>Reviewer Comment (2022-02-24): Guidelines allow for exclusion from cashout if there have been no draws greater than $2000 in the 12 months prior to the application date. The application date is XX/XX/XX, and per the payment history included with the credit report, the balance increased from $243,311 in XX/XX/XX to $249,101 in XX/XX/XX which is an increase of over $2000. Lender can provide a payment history from the lender to confirm that this increase was not due to a borrower draw. Otherwise the exception remains.<br>Buyer Comment (2022-02-22): Lender Response: "The Cash Out guide does not state that HELOC's are to be considered in cash out max amount, although this heloc would meet the 12 months seasoning guideline for no draws exceeding 2k. see snip of history below. This Mtg would not be considered towards the c/o received." |  |  | 03/29/2022 | 2 C B |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Client request to re-review from XXXXX to XXXXX, new rate lock XX/XX/XX |  |  |  | Reviewer Comment (2022-03-28): Client request to move to XXXXX due to cash out amount<br>Buyer Comment (2022-03-28): Confirmed move to XXXXX. | 03/28/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | A hazard insurance shortfall of $110,200.00 is indicated. |  |  |  | Reviewer Comment (2022-01-04): Replacement Cost Estimator has been received. HOI Policy provides sufficient dwelling coverage. Exception cleared.<br>Buyer Comment (2022-01-03): RCE attached | 01/04/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees XXXXX | Qualified Mortgage (Dodd Frank XXXXX): Points and Fees on subject loan of 3.42498% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $36,334.85 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $31,826.35 (an overage of $4,508.50 or .42498%). |  |  |  |  | Reviewer Comment (2022-02-18): Bona fide threshold testing reset from .250 to .20 across all scopes at client request, After further testing the exception has been cleared.<br>Reviewer Comment (2022-01-27): Data entry updated and exception remains. See breakdown below:<br> - Undiscounted Starting Rate = 3.875%<br> - Note Rate = 3.625%<br> - The Undiscounted Stating Rate was paying 0.225% and the new rate resulted in a cost of 1.275% which is a difference of 1.05%<br> - Par rate of 3.875% minus Note rate of 3.625% = 0.25% rate reduction.<br> -0.25% / 1.05% = 0.238% (under standard ratio of .25%)<br>Buyer Comment (2022-01-25): See attached breakdown/pricing<br>Reviewer Comment (2022-01-21): Data updated for use of undiscounted rate of 3.875% and undiscounted rate price -3.055. Exception remains, loan does not meet industry standard of 0.25 (i.e. bona fide).<br>Buyer Comment (2022-01-20): Lender LOE - confirming par rate is 3.875%<br>Reviewer Comment (2022-01-19): Undiscounted interest rate of 3.75% and base price of -2.578% used from rate sheet provided and exception remains. Please confirm base rate and price as lock information shows par rate as 3.825%.<br>Buyer Comment (2022-01-13): Undiscounted rate 3.75<br>Buyer Comment (2022-01-13): Rate sheet | 02/18/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $13,736.85 exceeds tolerance of $12,659.45. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $13,736.85 exceeds tolerance of $12,659.45. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2022-01-11): XXXXX received COC dated XX/XX/XX.<br>Buyer Comment (2022-01-10): LOE<br>Buyer Comment (2022-01-10): COC, CD, esign and consent. | 01/11/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. |  |  |  | Reviewer Comment (2022-02-18): Bona fide threshold testing reset from .250 to .20 across all scopes at client request, After further testing the exception has been cleared.<br>Reviewer Comment (2022-02-02): This exception will be cleared once all QM specific exceptions have been cured/cleared.<br>Buyer Comment (2022-02-01): Please advise what is required to clear this finding. | 02/18/2022 |  |  | 1 B A C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Client request to move from XXXXX to XXXXX. Lock date XX/XX/XX XXXXX now. |  |  |  | Reviewer Comment (2022-03-04): client confirmed<br>Buyer Comment (2022-03-04): confirmed move to XXXXX, XXXXX | 03/04/2022 |  |  | 1 A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2022-04-18): Received Loan Underwriting and Transmittal Summary (1008). Exception cleared.<br>Buyer Comment (2022-04-15): 1008 attached | 04/18/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Employment | Miscellaneous | Employment | The verification of employment was not obtained within 10 days of the note date. |  | Missing third party business verification dated within 10 days of Note dated XX/XX/XX or within 35 days of purchase for business North Agency. (CPA letter in file dated XX/XX/XX , Business verification dated XX/XX/XX) |  |  |  | Reviewer Comment (2022-03-30): Received Third party Verification and VVOE within 10 days of closing date. Exception Cleared.<br>Buyer Comment (2022-03-29): Verification of business | 03/30/2022 |  |  | 1 A |  | XX | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Missing Document | General | Missing Document | One or more of your documents was not signed and dated by the borrower(s). |  | Missing signed and dated on or before the Note date of XX/XX/XX 1120S for XXXXX & XXXXX. |  |  |  | Reviewer Comment (2022-03-30): Received Signed/dated 1120S and 1040 for XXXXX & XXXXX. Exception Cleared.<br>Buyer Comment (2022-03-29): XXXXX & XXXXX 1120-S | 03/30/2022 |  |  | 1 A |  | XX | Primary | Purchase | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing.; Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2022-06-17): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared. | 06/17/2022 |  |  | 1 D A |  | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Property | Valuation | General | Valuation | Valuation Product pending |  | XXXXX / 2 days - XXXXX - No MLS Sheets |  |  |  | Reviewer Comment (2022-06-17): Received and associated XXXXXDesk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised value. Exception cleared.<br>Reviewer Comment (2022-06-15): Valuation Received - XX/XX/XX | 06/17/2022 |  |  | 1 A |  | XX | Primary | Refinance - Cash-out - Other | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-07): Client elects to waive |  |  | 06/07/2022 | 2 B |  | XX | Primary | Refinance - Rate/Term | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $250.00 exceeds tolerance of $181.00 plus 10% or $199.10. Sufficient or excess cure was provided to the borrower at Closing. | 10% tolerance was exceeded by $50.90 No valid COC provided, cure provided at closing. |  |  |  | Reviewer Comment (2022-07-25): Sufficient Cure Provided At Closing |  | 07/25/2022 |  | 1 A |  | XX | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  | The file was missing a copy of the final title policy. |  |  |  | Reviewer Comment (2022-06-16): Received Final Title policy dated XX/XX/XX with policy amount of XXXXX updated the details. Exception Cleared | 06/16/2022 |  |  | 1 A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The Mortgage Statement was not found in the file for the property located at XXXXX. |  |  |  | Reviewer Comment (2022-06-20): HLV received. Cleared.<br>Seller Comment (2022-06-16): Per UW, Property address is clearly shown on page 2 under "Property Address". We use HLV as it shows all the information included on a mtg stmnt and more, such as payment history<br>Reviewer Comment (2022-06-16): Home Loan View received did not reflect property address. The mortgage on this property is through XXXXX per the credit report - Need mortgage statement - exception remains<br>Seller Comment (2022-06-14): HLV | 06/20/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2022-06-16): Received Final Title policy dated XX/XX/XX with policy amount of XXXXX updated the details. Exception Cleared<br>Seller Comment (2022-06-14): Title Policy | 06/16/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Please provide verification of additional $754.57 amount listed on 1003 for this property. Taxes and Insurance are escrowed in monthly payment. Approval required verification of HOA but nothing is provided in file. |  |  |  | Reviewer Comment (2022-05-10): Tax and insurance documents are provided for the REO at XXXXX , it can be verified from the statement and tax document that only the taxes are escrowed and $754.57 is the amount for insurance. Exception cleared.<br>Buyer Comment (2022-05-06): Please note statement escrows are for only taxes despite stating taxes and insurance. Attached is the tax and insurance bills.<br>Reviewer Comment (2022-05-05): Escrow waiver provided is for the subject property however we would require documentation to verify $754.57 listed on 1003 for REO at XXXXX as in the provided statement for this property , taxes and insurance are escrowed .Exception remains.<br>Buyer Comment (2022-05-04): Borrower waiving hazard insurance premium. Hence the difference of the 1003 and final CD total monthly payment. See attached escrow waiver and final CD. | 05/10/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provide the XXXXX Rate Lock form. |  |  |  | Reviewer Comment (2022-05-05): XXXXX form has been provided. Exception cleared.<br>Buyer Comment (2022-05-04): lock form | 05/05/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Tax transcripts are required with all loans. Lender to provide tax transcripts for most recent two years. |  |  |  | Reviewer Comment (2022-03-29): See new exception. Transcripts provided for B1, missing transcripts for B2.<br>Reviewer Comment (2022-03-25): Received XXXXX & XXXXX wage Transcript for borrower XXXXX. Provide XXXXX & XXXXX Transcript for XXXXX. Exception Remains.<br>Buyer Comment (2022-03-24): XXXXX W/E transcripts. Borrower is a W/E 1040 transcripts not required | 03/29/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | FTHB Maximum loan amount XXXXX per XXXXX Guides. | Borrower has worked in the same position for more than 3 years. | 3 years same job | SitusAMC,Aggregator | Reviewer Comment (2022-03-28): Client request to waive with compensating factors. |  |  | 03/28/2022 | 2 B |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | Client request to re-review from XXXXX to XXXXX. Loan amount issue. Rate lock XX/XX/XX |  |  |  | Reviewer Comment (2022-03-29): Client confirmed<br>Buyer Comment (2022-03-29): Confirmed move to XXXXX. | 03/29/2022 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Income / Employment | Income Documentation | Income / Employment | Tax returns were used for income documentation and tax transcripts are missing . |  | Existing exception already present. Transcripts for B1 were provided, missing transcripts for B2 |  |  |  | Reviewer Comment (2022-03-30): Received Wage Transcript XXXXX and XXXXX for XXXXX. Exception cleared.<br>Buyer Comment (2022-03-29): XXXXX Transcripts | 03/30/2022 |  |  | 1 C A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | Credit Documentation | Credit | Insufficient Verification of Rental History. |  | VOR in file is from private party. File contains evidence if cancelled checks from from XX/XX/XX to XX/XX/XX, 13 months. Missing the prior 11 months for period XX/XX/XX toXX/XX/XX. 24 months required per guides. |  |  |  | Reviewer Comment (2022-06-16): August XXXXX check was provided<br>Buyer Comment (2022-06-15): August check<br>Reviewer Comment (2022-06-08): Check is dated XX/XX/XX and is considered to be XX/XX/XX payment. Please see credit comments added to the portal for breakdown of checks received for review. August payment is still missing. Exception remains.<br>Buyer Comment (2022-06-08): August<br>Reviewer Comment (2022-06-07): Cancelled checks received. Still missing cancelled checks for XX/XX/XX and XX/XX/XX payments.<br>Buyer Comment (2022-06-07): Cancelled rent checks. Still missing August XXXXX | 06/16/2022 |  |  | 1 A |  | XX | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided |  | Missing Required AUS Document. Loan Data Tape 1 Indicates XXXXX which requires an AUS to be provided. Reserve Requirements subject to change upon receipt. |  |  |  | Reviewer Comment (2022-04-14): AUS with recommendation as Approve/Ineligible has been received. Exception cleared.<br>Buyer Comment (2022-04-13): AUS | 04/14/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX% by XX% |  |  |  | Reviewer Comment (2022-04-25): Evidence of XXXXX payoff provided.<br>Buyer Comment (2022-04-21): Lender Response: "Please see attached file for the Final CD and Note. This is a concurrent file." See uploaded Note & CD<br>Reviewer Comment (2022-04-15): Lien payment $2,176 for property 'XXXXX' from XXXXX Acc XXXXX is omitted per updated 1003, 1008 and AUS/DU, please provide proof of omission for this account. Exception remains.<br>Buyer Comment (2022-04-14): 1003<br>Buyer Comment (2022-04-14): Lender's rebuttal: 1) XXXXX = -$2,142.62 = rental income $1,001.08 - mortgage payment for 1st and 2nd $2,086.7 - $316.52 - Insurance $87.83 - tax $652.65 2) XXXXX = -88.42 = rental income $2,400 (3,200\*0.75) - mortgage payment $2,482.42 (tax and insurance impounded) Please refer to 1003 and 1008. Per out calculation, DTI is under 45% | 04/25/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank XXXXX): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-04-25): All QM related exceptions have been addressed. | 04/25/2022 |  |  | 1 B A C |  | XX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (2022-04-25): Evidence of XXXXX payoff provided.<br>Reviewer Comment (2022-04-15): Lien payment $2,176 for property 'XXXXX' from XXXXX Acc XXXXX is omitted per updated 1003, 1008 and AUS/DU, please provide proof of omission for this account. Exception remains.<br>Buyer Comment (2022-04-14): 1008<br>Buyer Comment (2022-04-14): Lender's rebuttal: 1) XXXXX = -$2,142.62 = rental income $1,001.08 - mortgage payment for 1st and 2nd $2,086.7 - $316.52 - Insurance $87.83 - tax $652.65 2) XXXXX = -88.42 = rental income $2,400 (3,200\*0.75) - mortgage payment $2,482.42 (tax and insurance impounded) Please refer to 1003 and 1008. Per out calculation, DTI is under 45% | 04/25/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | One or more Guideline Exceptions with (ATR Impacted) are open on the loan. |  |  |  | Reviewer Comment (2022-04-25): Evidence of XXXXX payoff provided. | 04/25/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| [redacted] | [redacted] | [redacted] | [redacted] | XXXX |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcripts (1040) and/or W-2 Transcripts. |  | Missing Most Recent 2 Years 1040 and/or W2 Wage Tax Return Transcripts for all borrower(s) required per Loan Program. Only XXXXX was provided. Missing XXXXX and/or XXXXX |  |  |  | Reviewer Comment (2022-05-03): Received XXXXX 1040 Transcript. Exception Cleared<br>Buyer Comment (2022-05-02): XXXXX transcripts attached | 05/03/2022 |  |  | 1 C A |  | XX | Primary | Refinance - Rate/Term | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

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## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 4**

![](logositus-001.gif)

**Valuation Report**

**Run Date - 1/10/2023 1:13:39 PM** 

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal Confidence Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -10.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 6.312% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -0.909% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.881% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 3.571% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.510% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 3.333% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.773% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.190% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -8.333% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -8.980% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -0.851% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 7.788% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 39.130% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 12.222% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 11.571% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | -4.211% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.284% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.100% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.613% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.695% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 999.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.50 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.90 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 1.022% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 2.138% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.40 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 2.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.10 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4.30 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.70 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 1.00 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.80 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  | 3.704% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  | XXXX |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.60 |
| [redacted] | [redacted] | [redacted] | [redacted] |  |  |  |  |  | XXXX |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.50 |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 5**

![](logositus-001.gif)

**Supplemental Data**

**Run Date - 1/10/2023 1:13:39 PM** 

---

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| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Application Date** | **TRID** | **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** | **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** | **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?** |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11685.00 |  | 3.530% | $0.00 | 2.2 |  |  |  | N/A | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; VVOE - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $10310.00 |  | 3.350% | $0.00 |  |  |  |  | N/A | No | XXXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506 or 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018 | [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2019<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; 4506 or 4506-T - 2017<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8643.00 |  | 3.130% | $0.00 | 2 |  |  |  | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 17.97 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 2.850% | $0.00 | 5 |  |  |  | No | No | XXXX | 3 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506 or 4506-T - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506 or 4506-T - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506 or 4506-T - 2018<br> [Borrower]; Account Transcripts - 2017<br> [Coborrower]; 4506 or 4506-T - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506 or 4506-T - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506 or 4506-T - 2018<br> [Coborrower]; Account Transcripts - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3518.90 |  | 2.820% | $0.00 |  |  |  |  | N/A | No | XXXX | 3 | 3 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11889.60 |  | 2.780% | $0.00 | 2.1 |  |  |  | No | No | XXXX | 2 |  | 2 | 0 | 3 | 3 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1040 - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 2.780% | $0.00 | 3.4 |  |  |  | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | 13.57 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 3.140% | $0.00 | 2.4 |  |  |  | No | No | XXXX | 2 | 1 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; Transcripts (1040) - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8040.00 |  | 3.230% | $0.00 | 4 |  |  |  | No | No | XXXX | 1 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8275.00 |  | 3.090% | $0.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9448.67 |  | 3.090% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Tax Return Extension - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Tax Return Extension - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 1040 - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Tax Return Extension - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Tax Return Extension - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1040 - 2017 | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 3.240% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 3 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Temporary SHQM (GSE/Agency Eligible) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1290.00 |  | 2.780% | $0.00 | 2.1 | LP / LPA |  | Accept | No | No | XXXX | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12950.00 |  | 3.030% | $0.00 | 1.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; Account Transcripts - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Account Transcripts - 2018<br> [Borrower]; 1040 - 2018 | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 3.020% | $200.00 | 4 |  |  |  | Yes | No | XXXX | 3 |  | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2017 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22108.00 |  | 3.010% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | 15.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018<br> [Borrower - \| Non-Primary Income - Capital Gains]; Account Statements - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 1040 - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; Transcripts (1040) - 2017<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 4506-C - 2017 | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 2.990% | $0.00 |  |  |  |  | No | No | XXXX | 3 | 0 | 3 | 0 | 4 | 3 |  |  | 15.97 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2176.05 |  | 2.990% | $0.00 | 3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1040 - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1040 - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1040 - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17500.00 |  | 3.050% | $10000.00 | 4 |  |  |  | No | No | XXXX | 0 | 0 | 3 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7590.00 |  | 3.010% | $84637.50 | 1.8 |  |  |  | No | No | XXXX | 2 | 2 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16766.70 |  | 3.050% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040-ES - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; 4506-T - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18090.00 |  | 3.000% | $0.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 17.47 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13195.00 |  | 3.040% | $0.00 | 3.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018 | [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5520.00 |  | 3.010% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Account Statements - 2021<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2015 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6476.65 |  | 2.700% | $0.00 | 4.1 |  |  |  | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  | HELOC | No |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2018 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $18430.25 |  | 3.070% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17390.84 |  | 3.010% | $0.00 | 2 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16274.40 |  | 3.030% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1565.00 |  | 3.030% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6635.00 |  | 2.980% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15301.25 |  | 2.980% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017<br> [Borrower - \| Non-Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - C-Corp]; 4506-C (for Business) - 2017<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14530.92 |  | 2.950% | $0.00 | 3.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 |  | 3 | 0 | 4 | 2 |  |  | 18.33 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2018<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2018 | [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18545.00 |  | 3.050% | $0.00 | 1.9 |  |  |  | No | No | XXXX | 0 |  | 2 | 0 | 4 | 2 |  |  | 19.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24074.26 |  | 2.930% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  | HELOC | No |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1590.00 |  | 2.830% | $5000.00 | 1 |  |  |  | Yes | No | XXXX | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2020<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2021 | [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6930.00 |  | 2.850% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 4 | 1 |  |  | 17.97 | No |  |  |  |  | 360 | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18000.00 |  | 2.850% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2837.80 |  | 2.850% | $11000.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16340.00 |  | 2.920% | $0.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1465.00 |  | 2.920% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | 1 | 0 |  |  | XXXX | $17379.22 |  | 2.920% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $1295.00 |  | 3.010% | $1500.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9895.00 |  | 2.910% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11800.00 |  | 2.910% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 19.83 | No |  |  | Closed End | No |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 2.850% | $0.00 | 4.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - C-Corp]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18063.99 |  | 2.820% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1385.00 |  | 2.920% | $4000.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8977.56 |  | 2.920% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $30086.49 |  | 2.920% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2021 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7583.00 |  | 2.920% | $3000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2019<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11047.92 |  | 2.920% | $0.00 | 2.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18671.20 |  | 2.920% | $9905.90 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 3 | 2 |  |  | 20.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20124.40 |  | 2.930% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1500.00 |  | 2.930% | $0.00 | 3.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16829.60 |  | 2.920% | $0.00 | 1.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12405.50 |  | 2.920% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes |  | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-T - 2018<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23373.85 |  | 2.930% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3490.00 |  | 2.930% | $0.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8118.00 |  | 2.910% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31367.85 |  | 2.910% | $2448.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-T - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-T - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2409.25 |  | 2.930% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15395.25 |  | 2.930% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1595.00 |  | 2.930% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-T - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-T - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-T - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1659.25 |  | 2.930% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2127.76 |  | 2.820% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17667.02 |  | 3.060% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3295.00 |  | 3.060% | $17000.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 1 | 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 |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21375.64 |  | 3.060% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 2 |  |  | 20.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4885.00 |  | 3.060% | $3000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17958.75 |  | 3.060% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1050.00 |  | 3.060% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14531.52 |  | 3.040% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Business License - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Account Transcripts - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Account Transcripts - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7481.00 |  | 3.040% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2675.00 |  | 3.040% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 2.930% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1290.00 |  | 2.920% | $0.00 | 1 |  |  |  | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15721.25 |  | 3.040% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2020<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2020<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10564.54 |  | 3.160% | $0.00 | 1.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 22.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9330.00 |  | 2.930% | $0.00 | 999 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | 19.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16018.53 |  | 3.100% | $5000.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 3.100% | $29970.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2680.95 |  | 3.100% | $0.00 | 1 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | XXXX | $21672.52 |  | 3.050% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4271.48 |  | 3.140% | $230000.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20657.00 |  | 3.140% | $15000.00 | 1.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Business License - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13590.00 |  | 3.200% | $0.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2900.20 |  | 3.040% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24272.83 |  | 3.200% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Employer Letter - 2021<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Housing Allowance]; Paystubs - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12741.09 |  | 3.140% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18053.65 |  | 3.140% | $0.00 | 2.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 2 | 0 | 3 | 2 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 3.140% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business License - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6455.10 |  | 3.140% | $0.00 | 1 |  |  |  | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $33890.13 |  | 3.200% | $32500.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1595.00 |  | 3.200% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $20339.00 |  | 3.030% | $25000.00 | 1.5 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1665.00 |  | 3.030% | $10000.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24675.00 |  | 3.140% | $8108.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12500.00 |  | 3.140% | $3000.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 1 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; FNMA 1088 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31878.98 |  | 3.200% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | 20.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17972.40 |  | 3.060% | $0.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 3 | 2 |  |  | 21.90 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22642.15 |  | 3.140% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | 20.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $30999.00 |  | 3.200% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 2 | 2 |  |  | 21.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32623.75 |  | 3.160% | $5056.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2021<br> [Borrower - \| Primary Income - Trust Income]; Other - 2021<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2006 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16275.00 |  | 3.160% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 0 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; Other - 2021<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32458.25 |  | 3.030% | $3437.50 | 4 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 2 | 0 | 3 | 2 |  |  | 22.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Other - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12762.66 |  | 3.160% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19179.02 |  | 3.140% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13274.25 |  | 3.160% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | 0 | 0 |  |  |  | $3319.70 |  | 3.160% | $0.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2018 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1390.00 |  | 3.140% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 3 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21945.00 |  | 3.160% | $18921.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 2 | 0 | 3 | 2 |  |  | 22.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14300.46 |  | 3.030% | $0.00 | 3.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 2 | 0 | 3 | 0 |  |  | 22.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Account Transcripts - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  | 5 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12045.75 |  | 2.930% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $31362.50 |  | 3.100% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22322.36 |  | 3.200% | $1838.00 | 2.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 5-Stated/Verified as defined |  | Level 1-Not Stated/Not Verified |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21119.45 |  | 3.040% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - C-Corp]; Business Viability Analysis - 2021<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2021<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11871.86 |  | 3.160% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19232.98 |  | 3.100% | $0.00 | 1.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-T (for Business) - 2017 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6910.00 |  | 3.200% | $0.00 | 4.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 4 | 1 |  |  | 20.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20679.00 |  | 3.170% | $0.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $110.25 |  | 3.170% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Trust Income]; Account Statements - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1695.00 |  | 3.170% | $1000.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 1 | 0 | 2 | 1 |  |  | 22.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24710.00 |  | 3.170% | $0.00 | 2.9 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21627.40 |  | 3.170% | $17000.00 | 4 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2021<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - C-Corp]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Non-Primary Income - C-Corp]; 1120 - 2018<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; 1120 - 2020<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; 1120 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; Tax Return Extension (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; 1120 - 2019<br> [Coborrower(s) - \| Non-Primary Income - C-Corp]; 1120 - 2018 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $29850.15 |  | 3.280% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18640.00 |  | 3.510% | $15000.00 | 1.1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $13000.00 |  | 3.510% | $0.00 | 1.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1095.00 |  | 3.510% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 2 | 0 | 3 | 2 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27405.00 |  | 3.510% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 2 | 0 | 3 | 1 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25021.10 |  | 3.510% | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 2 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $33208.80 |  | 3.510% | $0.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $3505.00 |  | 3.620% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  | [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11677.71 |  | 2.830% | $0.00 | 2.6 | LP / LPA |  | Caution/Ineligible | N/A | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17965.25 |  | 2.930% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2018 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2815.00 |  | 2.910% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 20.27 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040-ES - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040-ES - 2019<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Account Transcripts - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Tax Return Extension - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Account Transcripts - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1542.92 |  | 2.910% | $0.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 2 | 0 | 3 | 1 |  |  | 19.50 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8465.44 |  | 3.100% | $120000.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11310.00 |  | 3.200% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | XXXX | $18345.40 |  | 3.200% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11240.00 |  | 2.930% | $0.00 | 1.4 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | 19.97 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10837.06 |  | 2.910% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  |  | $10569.64 |  | 3.030% | $0.00 | 2.7 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $8495.00 |  | 2.930% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | FNMA (June 2020) | Yes |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2739.25 |  | 3.620% | $0.00 | 3.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12980.63 |  | 3.620% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 1 | 0 | 2 | 1 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27095.80 |  | 3.280% | $0.00 | 4.3 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 3 | 2 | 0 | 2 | 2 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Primary Income - Trust Income]; Other - 2022 | [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13090.00 |  | 3.620% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1775.25 |  | 3.620% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 | 3 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1440.00 |  | 2.470% | $0.00 | 1 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15542.50 |  | 3.610% | $0.00 | 1 |  |  |  | Yes | No | XXXX | 2 | 2 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 - 2020<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1385.00 |  | 3.610% | $0.00 | 1 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 3 | 0 | 0 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1475.00 |  | 3.620% | $1250.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 3.610% | $0.00 | 999 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 1 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $20438.74 |  | 3.610% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27151.84 |  | 3.610% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 0 | 2 | 0 | 3 | 0 |  |  | 13.90 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12944.60 |  | 3.610% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13284.20 |  | 3.610% | $0.00 | 2.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | 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 5-Stated/Verified as defined | Level 5-Stated/Verified as defined | Level 3-Stated/Verified as defined | Level 3-Stated/Verified as defined | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17020.00 |  | 3.610% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 | 0 | 1 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $28945.07 |  | 3.610% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1385.00 |  | 3.610% | $2500.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; 1099-R - 2021<br> [Borrower - \| Primary Income - IRA Distribution]; 1099-R - 2021<br> [Borrower - \| Primary Income - IRA Distribution]; 1099-R - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5938.76 |  | 3.610% | $0.00 | 3.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $32532.16 |  | 3.610% | $2777.50 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 3.610% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18755.00 |  | 3.610% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Projected Income]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Projected Income]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9307.51 |  | 3.610% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21536.88 |  | 3.960% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22980.00 |  | 3.610% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 2 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $37311.00 |  | 3.610% | $0.00 | 4.8 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 2 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12727.50 |  | 3.610% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 3 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17753.20 |  | 3.610% | $10000.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20865.00 |  | 3.610% | $20000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22964.20 |  | 3.610% | $25000.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2019 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3705.00 |  | 4.790% | $16595.26 | 3.5 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14804.60 |  | 3.610% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10690.00 |  | 3.610% | $25000.00 | 1.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18766.00 |  | 3.610% | $8000.00 | 3.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $30870.25 |  | 5.180% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 240 | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4288.05 |  | 3.610% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | 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/Partially Verified | Level 1-Not Stated/Not Verified | Level 3-Stated/Verified as defined | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16086.02 |  | 3.760% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $67405.00 |  | 3.760% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14933.28 |  | 3.760% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2021<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Account Statements - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $995.00 |  | 3.760% | $0.00 | 3.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16592.60 |  | 3.760% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9893.60 |  | 3.030% | $0.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1040 - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6246.00 |  | 2.910% | $12400.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18911.80 |  | 3.760% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6335.00 |  | 3.760% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7478.00 |  | 3.990% | $321000.00 | 2.6 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $34119.00 |  | 3.990% | $0.00 | 2.7 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 2 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2360.20 |  | 3.990% | $50500.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Pension]; 1099 - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21055.00 |  | 3.990% | $1300.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1760.00 |  | 3.990% | $0.00 | 999 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22812.80 |  | 3.990% | $0.00 | 4.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Primary Income - Social Security]; Account Statements - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Other - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17931.00 |  | 3.990% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $33561.00 |  | 3.990% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6095.00 |  | 3.990% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16546.00 |  | 3.960% | $1000.00 | 5 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  | 6 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22373.00 |  | 3.990% | $23962.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 2 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2015<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17740.60 |  | 3.960% | $0.00 | 3.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12223.40 |  | 4.230% | $27096.95 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $29125.00 |  | 3.990% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12477.50 |  | 3.960% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5527.86 |  | 3.960% | $1110.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1550.00 |  | 3.960% | $0.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3858.76 |  | 3.960% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2011 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13299.59 |  | 3.610% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20881.56 |  | 3.960% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; WVOE - 2022<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - K-1 (< 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1595.00 |  | 3.960% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2370.00 |  | 3.960% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15552.64 |  | 3.960% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23884.50 |  | 3.960% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 2 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16735.00 |  | 3.960% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2245.00 |  | 3.960% | $0.00 | 1.1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 1 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2021<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8271.25 |  | 3.960% | $19998.48 | 3.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14125.50 |  | 3.960% | $16529.42 | 3.2 | DU |  | ApproveIneligible | No |  | XXXX | 1 |  | 0 | 0 | 1 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13395.00 |  | 3.960% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Account Statements - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $20000.00 |  | 3.760% | $8202.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1326.00 |  | 3.760% | $975.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15432.00 |  | 3.960% | $0.00 | 2.6 | DU |  | ApproveIneligible | No | No | XXXX | 4 | 0 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14235.90 |  | 4.740% | $0.00 | 1.9 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1390.00 |  | 3.760% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 3 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Non-Primary Income - Child Support]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Child Support]; Other - 2022<br> [Borrower - \| Non-Primary Income - Alimony]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Alimony]; Divorce Decree - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Non-Primary Income - Child Support]; Divorce Decree - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4884.31 |  | 3.830% | $0.00 |  | DU |  | ApproveEligible | No | No | XXXX | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $60778.00 |  | 3.830% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021 | [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1825.00 |  | 3.830% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1795.00 |  | 3.830% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2013<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2013 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $45458.25 |  | 3.830% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 | 0 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14335.15 |  | 3.990% | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1595.00 |  | 3.920% | $0.00 | 1.6 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26712.62 |  | 4.490% | $0.00 | 3.5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2020<br> [Borrower - \| Non-Primary Income - Pension]; Other - 2022 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $4919.00 |  | 3.140% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5737.56 |  | 3.920% | $4100.00 | 2 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 3 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12255.00 |  | 3.920% | $725.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21264.63 |  | 3.920% | $0.00 | 4 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25362.75 |  | 3.920% | $150000.00 | 2.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2018<br> [Borrower - \| Primary Income - Wages]; W-2 - 2017<br> [Borrower - \| Primary Income - Wages]; W-2 - 2016 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $14176.76 |  | 3.920% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 6 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21434.20 |  | 3.920% | $0.00 | 5 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7337.08 |  | 3.830% | $0.00 | 2.3 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 |  | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $36744.75 |  | 3.920% | $0.00 | 3.6 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 3 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 3.920% | $0.00 | 3 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 3 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - No Results Returned - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $37954.87 |  | 3.960% | $4383.00 | 4.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12055.00 |  | 4.490% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - C-Corp]; Business License - 2022<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16980.98 |  | 3.920% | $5000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8455.00 |  | 3.620% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15740.00 |  | 3.920% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - C-Corp]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - C-Corp]; CPA Letter - 2022<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2022<br> [Borrower - \| Primary Income - C-Corp]; Paystubs - 2022<br> [Borrower - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - C-Corp]; P&L Statement - 2021<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2021<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2020<br> [Borrower - \| Primary Income - C-Corp]; 1120 - 2019<br> [Borrower - \| Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - C-Corp]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Coborrower(s) - \| Primary Income - C-Corp]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; P&L Statement - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2020<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - C-Corp]; 1120 - 2019<br> [Coborrower(s) - \| Primary Income - C-Corp]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - C-Corp]; W-2 - 2019<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2021 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $34375.00 |  | 3.990% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 3 | 2 | 0 | 3 | 2 |  |  | 13.90 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3710.45 |  | 3.920% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2610.00 |  | 4.740% | $0.00 | 3 | LP / LPA |  | Caution/Ineligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $12445.80 |  | 3.920% | $0.00 | 1 | LP / LPA |  | Caution/Ineligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $13861.60 |  | 3.920% | $12750.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11459.00 |  | 3.920% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24765.40 |  | 3.920% | $0.00 | 1.8 | DU |  | ApproveIneligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5603.00 |  | 3.920% | $18497.50 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Trust Income]; D1C Income Verification Report - 2022<br> [Borrower - \| Primary Income - Trust Income]; Other - 2022<br> [Borrower - \| Primary Income - Trust Income]; Trust Agreement - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9277.50 |  | 3.990% | $0.00 | 2.3 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16675.00 |  | 3.920% | $155000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 1 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $21271.00 |  | 3.920% | $0.00 | 4.1 | DU |  | ApproveIneligible | No | No | XXXX | 3 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23278.40 |  | 3.920% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $9170.00 |  | 3.920% | $100000.00 | 1.4 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 2 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $36988.36 |  | 3.920% | $25000.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 3 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16165.00 |  | 3.920% | $77000.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 13.90 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $10926.84 |  | 3.760% | $0.00 | 999 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 2022<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2019<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2016 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6274.73 |  | 3.830% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; Tax Return Extension - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25549.12 |  | 3.920% | $15500.00 | 1.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Foster Care]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2014 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11852.50 |  | 3.920% | $4070.00 | 3 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7767.52 |  | 3.920% | $0.00 | 1.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26560.00 |  | 3.920% | $0.00 | 5 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $762.00 |  | 3.990% | $0.00 |  | DU |  | ApproveEligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $8697.20 |  | 3.990% | $0.00 | 4.4 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2009<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19162.50 |  | 4.230% | $0.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | XXXX | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18308.36 |  | 3.830% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $31734.78 |  | 4.230% | $0.00 | 2.1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $17639.80 |  | 5.070% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24517.50 |  | 4.230% | $0.00 | 2.5 | DU |  | ApproveIneligible | No | No | XXXX | 1 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1302.25 |  | 3.610% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15772.45 |  | 4.230% | $0.00 | 3.9 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2021<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $71928.34 |  | 5.070% | $0.00 | 4.4 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2020<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2022 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $23995.00 |  | 4.490% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 2 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $2020.00 |  | 4.490% | $0.00 | 1 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 2 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; Business License - 2018 | [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $53468.00 |  | 3.920% | $5000.00 |  | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $39667.87 |  | 4.740% | $0.00 | 4.2 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $22104.21 |  | 4.740% | $0.00 | 1.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 1 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $30997.25 |  | 3.920% | $0.00 | 3.4 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  | XXXX |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 4.490% | $10000.00 | 1 | DU |  | ApproveEligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $25135.00 |  | 3.620% | $0.00 | 2.6 | DU |  | ApproveIneligible | Yes | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (43-Q) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-T - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 106 | 0 | 0 |  |  | XXXX | $38910.64 |  | 3.200% | $0.00 |  |  |  |  | N/A | No | XXXX | 3 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15296.15 |  | 3.610% | $0.00 | 3.3 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - No Results Returned - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; Transcripts (1040) - 2019<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $7597.54 |  | 3.610% | $4000.00 | 2.4 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 2 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  | XXXX |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 3.990% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1055.00 |  | 3.990% | $0.00 | 1.8 | DU |  | ApproveIneligible | No | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $16276.52 |  | 3.140% | $0.00 | 3.4 | DU |  | ApproveIneligible | No | No | XXXX | 2 | 1 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2019<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-T - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-T - 2020<br> [Borrower]; Tax Return Extension - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Tax Return Extension - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-T - 2019<br> [Borrower]; Tax Return Extension - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-T - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $19352.38 |  | 3.830% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 3 |  | 2 | 0 | 4 | 2 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; 1099-R - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; Account Statements - 2022<br> [Coborrower(s) - \| Non-Primary Income - IRA Distribution]; 1099-R - 2021 | [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 4506-C - 2019 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1440.00 |  | 5.070% | $0.00 | 3.8 | LP / LPA |  | Caution/Ineligible | No | No | XXXX | 0 | 0 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $5475.00 |  | 3.280% | $0.00 | 1 | DU |  | ApproveEligible | Yes | No | XXXX | 3 | 3 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | Yes | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $3085.79 |  | 3.960% | $0.00 | 2.3 | DU |  | ApproveEligible | Yes | No | XXXX | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2016<br> [Borrower - \| Non-Primary Income - Trust Income]; Account Statements - 2022<br> [Borrower - \| Non-Primary Income - Trust Income]; Trust Agreement - 2022 | [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018 | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1945.00 |  | 3.510% | $0.00 | 2 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 0 |  |  | 24.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 3 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18364.99 |  | 3.140% | $0.00 |  | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Projected Income]; Employer Non-Revocable Contract - 2022<br> [Coborrower(s) - \| Primary Income - Projected Income]; VVOE - 2022 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2016<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; 1040 - 2019<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 4506-C - 2016<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $6159.50 |  | 3.610% | $0.00 | 2.2 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 2 | 0 | 5 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1590.00 |  | 3.960% | $0.00 | 4.1 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 3 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | Level 1-Not Stated/Not Verified | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Borrower - \| Non-Primary Income - Disability]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2021<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; 1099 - 2020<br> [Borrower - \| Non-Primary Income - Pension]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2020<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Balance Sheet - 2021<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2021<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2020<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1040 - 2020<br> [Coborrower]; Transcripts (1040) - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $27039.40 |  | 3.100% | $0.00 | 4.3 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 | 0 | 1 | 0 | 1 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Primary Income - Wages]; Other - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; VVOE - 2021<br> [Borrower - \| Primary Income - Wages]; WVOE - 2021 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $25022.15 |  | 3.160% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $15045.00 |  | 3.920% | $0.00 | 2.6 | DU |  | ApproveEligible | N/A | No | XXXX | 3 |  | 2 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2021<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2020<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2019<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2017 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $24416.75 |  | 3.610% | $0.00 | 3.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 2 | 0 | 4 | 2 |  |  | 13.90 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $26197.36 |  | 3.920% | $0.00 | 3.8 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Primary Income - Pension]; Paystubs - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $1976.50 |  | 3.620% | $0.00 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Pension]; 1099-R - 2021<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $27130.92 |  | 5.180% | $5000.00 | 1.7 | DU |  | ApproveIneligible | Yes | No | XXXX | 1 | 0 | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022 | [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 1040 - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; Transcripts (1040) - 2018<br> [Borrower]; 1084 or income worksheet - Year Not Available | 2 Years Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $18213.00 |  | 3.620% | $166018.44 | 1 | DU |  | ApproveIneligible | No | No | XXXX | 0 |  | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020 | [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | XXXX | $16515.50 |  | 3.920% | $0.00 | 2.8 | LP / LPA |  | Caution/Ineligible | N/A | No | XXXX | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; WVOE - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2019<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2021<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2020<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2019<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2019 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | XXXX | $11995.00 |  | 3.760% | $0.00 | 1.6 | DU |  | ApproveIneligible | N/A | No | XXXX | 3 | 3 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |
| [redacted] | [redacted] | [redacted] | [redacted] | Safe Harbor QM (APOR) |  | Yes | No | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX |  |  |  |  |  |  |  | XXXX | 1 | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Primary Income - Wages]; VVOE - 2022<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2021<br> [Borrower - \| Primary Income - Wages]; W-2 - 2021<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2020<br> [Borrower - \| Primary Income - Wages]; W-2 - 2020<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2022<br> [Borrower - \| Non-Primary Income - Wages]; The Work Number - Income - 2022<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2021<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2021 | [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2020<br> [Borrower]; 1040 - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; Transcripts (1040) - 2019<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018 | 1 Year Tax Returns |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $11340.00 |  | 3.610% | $0.00 | 1.5 | DU |  | ApproveIneligible | N/A | No | XXXX | 2 |  | 1 | 0 | 4 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 6**

![](logositus-001.gif)

**ASF**

**Run Date - 1/10/2023 1:13:40 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 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** |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 294 | 35000.00 | 4 | 0.574004 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 6903.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 206 | 27000.00 | 2 | 0.175417 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 33 | 12600.00 | 1 | 0.015317 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 2228.90 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 246 | 18753.00 | 2 | 0.178765 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 10599.60 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 28 | 38803.00 | 3 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 235 | 46917.00 | 11 | 0.193608 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 310 | 42926.00 | 4 | 0.306104 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 6750.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 199 | 50000.00 | 10 | 0.044488 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 6720.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 183 | 35000.00 | 5 | 0.127002 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 714.15 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 49 | 76447.00 | 5 | 0.118202 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 300 | 24000.00 | 2 | 0.335056 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 2 | XXXX | 1425.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 462 | 34389.00 | 6 | 0.155257 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 1 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 261 | 19027.00 | 2 | 0.147076 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 21053.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 5 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 90 | 106632.00 | 12 | 0.245316 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 400 | 96797.00 | 6 | 0.392944 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 7395.59 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 79 | 46798.00 | 2 | 0.124235 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 17500.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 81 | 25000.00 | 10 | 0.012299 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 6300.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 297 | 24500.00 | 3 | 0.001346 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 12 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 2711.70 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 214 | 318891.00 | 10 | 0.015536 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15500.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  |  |  |  | 95 | 30000.00 | 2 | 0.015133 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 237 | 60979.00 | 3 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 3875.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 178 | 70247.00 | 4 | 0.293901 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1295.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 73 | 63133.00 | 7 | 0.174695 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 3446.25 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 160 | 30500.00 | 5 | 0.330612 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 40 | 22000.00 | 5 | 0.194377 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 52030.84 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 344 | 60000.00 | 5 | 0.325544 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15254.40 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 121 | 25490.00 | 4 | 0.205000 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 10 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 234 | 52443.00 | 7 | 0.203687 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 5200.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 135 | 24000.00 | 3 | 0.011631 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 1181.25 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 497 | 55594.00 | 12 | 0.853403 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 29210.92 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 116 | 74244.00 | 7 | 0.313111 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 24340.25 | 0 | 0 | 0 | 1 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 62 | 19484.00 | 4 | 0.331461 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 17520.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 288 | 50635.00 | 1 | 1.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 22779.26 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 310 | 73327.00 | 8 | 0.049400 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 11677.71 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 324 | 50000.00 | 1 | 0.000195 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 1 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 86 | 16000.00 | 3 | 0.286904 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 5625.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 350 | 40500.00 | 3 | 0.054320 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 18000.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 120 | 50509.00 | 15 | 0.055480 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1612.80 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 231 | 17000.00 | 4 | 0.070308 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 10394.52 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 364 | 52500.00 | 5 | 0.044671 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15050.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 182 | 38800.00 | 4 | 0.039109 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 151 | 17567.00 | 4 | 0.174298 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 9112.15 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 14 | 50000.00 | 5 | 0.308421 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 2815.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 340 | 60000.00 | 10 | 0.544162 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 3 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 180 | 78226.00 | 3 | 0.302042 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 3594.64 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 40 | 56460.00 | 3 | 0.819192 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 252 | 76084.00 | 5 | 0.533605 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 76 | 31608.00 | 3 | 0.009565 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 1833.99 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 221 | 18700.00 | 1 | 0.338449 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 115 | 25000.00 | 8 | 0.047165 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 7922.56 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 105 | 15500.00 | 3 | 0.049944 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 15646.54 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 230 | 35000.00 | 3 | 0.016287 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 251 | 40000.00 | 6 | 0.437625 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2691.92 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 111 | 51207.00 | 7 | 0.408459 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2616.20 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 169 | 1230.00 | 6 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 88 | 27101.00 | 3 | 0.081654 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 4724.40 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 74 | 45000.00 | 6 | 0.464026 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 1500.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 228 | 23000.00 | 6 | 0.615404 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 3 | 3 | 3 | 3 | 3 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15774.60 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 179 | 50421.00 | 4 | 0.741841 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 1 | 4 | 1 | 1 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 8040.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 56 | 49331.00 | 2 | 0.179411 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 837.76 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 20 | 23000.00 | 4 | 0.316757 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 21873.60 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 205 | 23900.00 | 9 | 0.150369 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 3490.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 452 | 68153.00 | 8 | 0.469639 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 17840.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 60 | 41156.00 | 4 | 0.141933 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 97.92 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 257 | 11300.00 | 5 | 0.063546 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 1 | 3 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 6424.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 40 | 117128.00 | 4 | 0.047278 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 9247.06 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 214 | 24369.00 | 4 | 0.210304 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15312.85 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 26 | 32000.00 | 1 | 0.430884 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 5081.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 124 | 18000.00 | 5 | 0.021227 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 3 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 109 | 1500.00 | 1 | 0.061333 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 128 | 35000.00 | 3 | 0.000419 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 13040.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 62 | 33700.00 | 1 | 0.071716 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 89 | 36625.00 | 6 | 0.188168 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 105 | 21000.00 | 5 | 0.155521 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 200 | 61439.00 | 3 | 0.057732 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 294.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 54 | 20783.00 | 4 | 1.000100 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1800.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 9 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 39 | 27297.00 | 4 | 0.497371 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2772.59 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 3 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 135 | 47683.00 | 7 | 0.002564 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 3790.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 194 | 40000.00 | 9 | 0.052349 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 12 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 452 | 85359.00 | 12 | 0.582774 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 150 | 228518.00 | 3 | 0.022768 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2476.52 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 224 | 30000.00 | 3 | 0.087534 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 4 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 251 | 22000.00 | 6 | 0.824574 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 6406.00 | 0 | 0 | 0 | 1 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 165 | 38000.00 | 4 | 0.003488 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 185 | 35958.00 | 5 | 0.403811 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2226.25 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 100 | 9200.00 | 2 | 0.024181 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 3465.60 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 362 | 52000.00 | 5 | 0.189844 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 4 | 3 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 6018.53 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 204 | 35000.00 | 7 | 0.202936 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 6975.44 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 162 | 54504.00 | 12 | 0.250593 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 162 | 24043.00 | 7 | 0.018495 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2591.23 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 184 | 108656.00 | 4 | 0.103850 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 12 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 19662.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 233 | 81924.00 | 9 | 0.135250 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 9960.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 122 | 17836.00 | 15 | 0.174756 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 16850.40 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 79 | 49798.00 | 3 | 0.071703 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 12300.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 306 | 6634.00 | 2 | 0.461052 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 12 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 7453.13 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 190 | 35000.00 | 3 | 0.037396 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1435.20 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 140 | 64110.00 | 4 | 0.005380 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 13475.88 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 99 | 38223.00 | 3 | 0.149686 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 10779.84 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 103 | 27875.00 | 8 | 0.277485 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 1 | XXXX | 16003.60 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 161 | 5510.00 | 3 | 0.056363 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 7000.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 244 | 26504.00 | 2 | 0.555527 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 320 | 21500.00 | 10 | 0.529275 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 5506.10 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 105 | 29000.00 | 4 | 0.063451 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 22595.13 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 28 | 29000.00 | 2 | 0.025023 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 1595.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 106 | 42800.00 | 5 | 0.832444 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 3 | 3 | 3 | 1 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 10248.60 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 390 | 14359.00 | 3 | 0.001234 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1044.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 214 | 17602.00 | 5 | 0.282603 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 192 | 17700.00 | 3 | 0.411613 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 68 | 68182.00 | 3 | 0.028181 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 17568.75 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 26 | 4600.00 | 1 | 0.069215 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 980.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 180 | 152915.00 | 6 | 0.185416 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1403.25 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 97 | 35000.00 | 1 | 0.134314 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 2 | XXXX | 2762.66 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 285 | 42070.00 | 11 | 0.441482 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 11212.02 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 133 | 70000.00 | 5 | 0.072271 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 9516.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 163 | 15746.00 | 14 | 1.004700 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 7 | 5000.00 | 1 | 0.582000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 555.20 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 103 | 7634.00 | 2 | 0.094411 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 20890.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 200 | 43536.00 | 5 | 0.040878 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 19217.03 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 78 | 50000.00 | 5 | 0.163232 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 7458.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 7 | 206385.28 | 2 | 0.147058 | XXXXXXXXXXXX | 59 |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 29767.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 82 | 50000.00 | 3 | 0.020342 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 3 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 9767.36 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 3 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 121 | 18000.00 | 6 | 0.305206 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 19824.45 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 3 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 183 | 20700.00 | 7 | 0.456855 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 1 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2995.56 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 194 | 31000.00 | 7 | 0.866032 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 8770.88 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 121 | 41555.00 | 2 | 0.059350 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 5720.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 173 | 297490.00 | 6 | 0.118162 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 10374.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 118 | 62772.00 | 4 | 0.045988 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 22 | 14000.00 | 2 | 0.053942 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 81 | 42881.00 | 5 | 0.072182 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 3 | 3 | 1 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 23520.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 66 | 49116.00 | 3 | 0.602170 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 12 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 5572.40 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 92 | 119277.00 | 6 | 0.386547 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 26320.77 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 312 | 314092.00 | 8 | 0.454739 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 16335.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 233 | 48234.00 | 7 | 0.188824 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 61 | 30500.00 | 3 | 0.099380 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 231 | 97004.00 | 6 | 0.059768 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 26350.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 252 | 63027.00 | 4 | 0.009470 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 1 | XXXX | 14666.10 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 111 | 142109.00 | 6 | 0.225400 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2153.80 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 257 | 30483.00 | 6 | 0.157132 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 13 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 171 | 300000.00 | 19 | 0.421246 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 106 | 37400.00 | 4 | 0.013581 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 434.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 66 | 45065.00 | 2 | 0.089400 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 11390.63 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 235 | 29000.00 | 4 | 0.340676 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 4600.80 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 112 | 34000.00 | 4 | 0.019556 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 116 | 36000.00 | 3 | 0.185217 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 3 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 207 | 43800.00 | 5 | 0.022830 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 87 | 60000.00 | 2 | 0.329136 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 3 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 14152.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 103 | 397502.00 | 3 | 0.072863 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 168 | 24500.00 | 2 | 0.009306 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 4 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 8 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 5260.00 | 0 | 0 | 0 | 1 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 35 | 13558.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 217 | 21000.00 | 12 | 0.015249 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 167 | 44300.00 | 5 | 0.083083 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 25761.84 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 336 | 50000.00 | 1 | 0.059060 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3889.60 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 78 | 45000.00 | 3 | 0.067422 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 229.20 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 145 | 24900.00 | 7 | 0.076186 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 825.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 4 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 90 | 38467.00 | 7 | 0.055041 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 19658.71 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 17 | 106972.00 | 9 | 0.000215 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 457 | 78496.00 | 2 | 0.041144 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 176 | 49431.00 | 8 | 0.742152 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1477.16 | 0 | 0 | 1 | 2 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 49 | 31000.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 22668.75 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 157 | 18000.00 | 5 | 0.008431 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 5 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 163 | 35000.00 | 4 | 0.034597 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 15000.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 289 | 29900.00 | 2 | 0.128256 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1807.51 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 286 | 20000.00 | 5 | 0.023118 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 8316.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 223 | 25000.00 | 3 | 0.204081 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 19990.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 59 | 23400.00 | 5 | 0.210028 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 3 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 8256.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 162 | 264414.00 | 6 | 0.289511 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 1547.44 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 101 | 35000.00 | 5 | 0.004398 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 17550.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 7 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 98 | 22900.00 | 4 | 0.161790 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 25553.20 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 30 | 40000.00 | 3 | 0.075993 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 27714.70 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 49 | 93380.00 | 8 | 0.251761 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 21909.20 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 134 | 21000.00 | 5 | 0.086064 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3705.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 111 | 64162.00 | 6 | 0.004065 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 13749.60 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 115 | 22500.00 | 9 | 0.053359 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1690.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 50 | 21000.00 | 2 | 0.003475 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 16874.99 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 197 | 52424.00 | 7 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 14 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 27 | 70078.00 | 3 | 0.326759 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 52975.25 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 239 | 26500.00 | 4 | 0.171742 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 90 | 20000.00 | 1 | 0.233050 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 661.02 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 4 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 174 | 46800.00 | 3 | 0.117846 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 4 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 40350.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 421 | 86700.00 | 6 | 0.617699 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 10463.28 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 86 | 28000.00 | 1 | 0.005605 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 314 | 42000.00 | 4 | 0.411436 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 3 | 1 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1012.60 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 4 | 27363.00 | 2 | 0.278685 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 956.80 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 188 | 24592.00 | 6 | 0.062124 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 4950.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 26 | 61250.00 | 2 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 3 |  | 3 |  | 3 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 6479.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 2 |  |  |  |  | 70 | 32072.00 | 11 | 0.020872 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 33064.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 377 | 50100.00 | 4 | 0.138023 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 1411.20 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 64 | 102314.00 | 3 | 0.095685 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 13 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 143 | 25000.00 | 7 | 0.055461 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 460.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 388 | 24850.00 | 3 | 0.094037 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 1 | 1 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 4812.80 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 48 | 119296.00 | 4 | 0.087154 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 462 | 65726.00 | 5 | 0.669830 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 1 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3561.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 96 | 20500.00 | 3 | 0.105788 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 5000.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 90 | 56800.00 | 3 | 0.200641 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15106.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 235 | 127047.00 | 3 | 0.030236 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 31 | 66331.00 | 2 | 0.057404 | XXXXXXXXXXXX | 70 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 16945.60 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 403 | 57870.00 | 10 | 0.911798 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 5 | 3 | 3 | 1 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2525.60 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 131 | 10500.00 | 1 | 0.107878 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 1 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 152 | 450000.00 | 7 | 0.119107 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 11092.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 58 | 18100.00 | 6 | 0.189368 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 3757.61 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 55 | 14500.00 | 2 | 0.225225 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 73 | 17500.00 | 1 | 0.016204 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 3063.76 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 187 | 28686.00 | 7 | 0.243920 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 5 | 1 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 8749.59 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 59 | 32000.00 | 1 | 0.202437 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 4 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3826.56 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 7 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 314 | 109769.00 | 12 | 0.178653 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 171 | 56691.00 | 12 | 0.231304 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 336 | 55000.00 | 4 | 0.688859 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 14357.64 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 67 | 50000.00 | 1 | 0.071680 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 3 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 9954.50 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 144 | 15500.00 | 5 | 0.124486 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 1 | 5 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 13736.85 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 170 | 27000.00 | 3 | 0.429288 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 32 | 53170.00 | 2 | 0.125833 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 22 | 10282.00 | 1 | 0.181093 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 1 | 3 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 6221.25 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 133 | 110000.00 | 9 | 0.006032 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 5429.38 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 257 | 50000.00 | 11 | 0.057467 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 11900.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 228 | 41567.00 | 2 | 0.000613 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 276 | 74178.00 | 5 | 0.136142 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 131 | 21000.00 | 4 | 0.059615 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 13992.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 242 | 50625.00 | 4 | 0.181200 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 13140.90 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 206 | 65602.00 | 5 | 0.024171 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 139 | 25726.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 209 | 300000.00 | 5 | 0.186909 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 14 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 28350.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 102 | 61331.00 | 20 | 0.041566 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 90 | 25000.00 | 2 | 0.011592 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 113 | 39800.00 | 4 | 0.156499 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 43741.25 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 190 | 50000.00 | 5 | 0.252661 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 3 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 13436.15 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 413 | 44800.00 | 3 | 0.054917 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 1 | 29336.00 | 4 | 0.869910 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 4 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 14712.62 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 391 | 68823.00 | 11 | 0.102893 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 73 | 33000.00 | 2 | 0.041338 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 3682.56 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 150 | 58623.00 | 9 | 0.047329 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 219 | 45000.00 | 6 | 0.147121 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 8209.63 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 88 | 33257.00 | 23 | 0.066598 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 23102.75 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 102 | 34558.00 | 4 | 0.058487 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 1121.76 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 108 | 33300.00 | 5 | 0.147836 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 10979.20 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 108 | 45800.00 | 4 | 0.321132 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 10920.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 171 | 71902.18 | 2 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 5689.75 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 234 | 24800.00 | 2 | 0.466129 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 214 | 20000.00 | 2 | 0.027363 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 9974.87 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 160 | 37544.00 | 5 | 0.013265 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 12436.85 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 75 | 24825.00 | 5 | 0.049464 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 14730.98 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 78 | 38961.00 | 5 | 0.573549 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 170 | 32400.00 | 4 | 0.181276 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 14350.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 245 | 85785.00 | 5 | 0.038618 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3320.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 278 | 75000.00 | 3 | 0.596486 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 165.20 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 65 | 21668.00 | 3 | 0.001206 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1225.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 64 | 51000.00 | 4 | 0.099842 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15025.50 | 0 | 0 | 0 | 1 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 110 | 36000.00 | 5 | 0.057506 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 11350.80 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 250 | 96124.00 | 9 | 0.930913 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 8861.60 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 69 | 45261.00 | 2 | 0.002890 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 13275.41 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 106 | 19600.00 | 5 | 0.107918 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 4 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 10710.40 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 153 | 4000.00 | 2 | 0.048305 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 4608.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 468 | 20500.00 | 9 | 0.153679 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 1777.50 | 0 | 0 | 1 | 2 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 331 | 32300.00 | 5 | 0.024605 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15180.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 3 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 121 | 25400.00 | 4 | 0.034251 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 6426.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 100 | 22900.00 | 3 | 0.063693 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 13478.40 | 0 | 0 | 1 | 2 | 2 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 27 | 11300.00 | 5 | 0.267257 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 7380.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 20 | 24784.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 25989.36 | 0 | 0 | 1 | 2 | 1 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 172 | 33000.00 | 3 | 0.034165 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 13 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 14770.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 197 | 64056.00 | 7 | 0.090072 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 13650.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 127 | 77373.00 | 5 | 0.208674 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 8976.84 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 77 | 62467.00 | 12 | 0.307657 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 119.73 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 83 | 35000.00 | 6 | 0.016832 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 23859.12 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 53 | 19000.00 | 4 | 0.105717 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 9262.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 120 | 17000.00 | 5 | 0.010744 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 5777.52 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 180 | 192600.00 | 15 | 0.039548 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 1740.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 19 | 23500.00 | 3 | 0.594057 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 5 | 1 | 3 | 1 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 157 | 16000.00 | 14 | 0.143591 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 197 | 50000.00 | 2 | 0.033580 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 17667.50 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 94 | 37705.00 | 8 | 0.076666 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 4 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 18308.36 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 120 | 32000.00 | 2 | 0.055946 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 30735.78 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 141 | 33831.00 | 6 | 0.330551 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 15584.80 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 275 | 30000.00 | 14 | 0.142799 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 24462.50 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 150 | 25000.00 | 3 | 0.061189 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 324 | 338643.00 | 3 | 0.053033 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 3 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 14167.45 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 103 | 17000.00 | 2 | 0.277882 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 34243.84 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 4 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 589 | 37500.00 | 4 | 0.007953 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 4 | 1 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 126833.34 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 177 | 55000.00 | 4 | 0.061751 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 1 | 3 | 1 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 22400.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 12 | 9500.00 | 3 | 0.087447 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 141 | 50640.00 | 5 | 0.018453 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 3 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 29860.50 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 167 | 22600.00 | 2 | 0.183353 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 13 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 69457.35 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 380 | 114598.00 | 15 | 0.367478 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 35809.21 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 93 | 53200.00 | 2 | 0.000093 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 3 | 3 | 3 | 4 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 14942.25 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 33 | 33000.00 | 2 | 0.103767 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 87 | 12100.00 | 6 | 0.004159 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3720.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 120 | 7250.00 | 1 | 0.042344 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 56 | 36656.00 | 2 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 4 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3235.79 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 113 | 30421.00 | 1 | 0.045823 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 6580.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 215 | 21000.00 | 3 | 0.044124 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 6591.15 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 49 | 47400.00 | 3 | 0.305048 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 151.54 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 4 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 39 | 23700.00 | 1 | 0.079544 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 32 | 25000.00 | 2 | 0.209823 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 3 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 32 | 32666.00 | 3 | 0.011572 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 641.52 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 174 | 45601.00 | 8 | 0.333526 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 4 | 3 | 3 | 1 | 1 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 26296.88 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 156 | 25643.00 | 2 | 0.277009 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 311 | 50000.00 | 2 | 0.055260 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 1 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 3 | XXXX | 6107.36 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 216 | 82291.00 | 4 | 0.053260 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 1 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 31 | 57305.00 | 3 | 0.021626 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 1 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 50969.92 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 66 | 20444.00 | 4 | 0.076263 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 4 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 7545.16 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 115 | 61500.00 | 6 | 0.012439 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 3580.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 29 | 22900.00 | 3 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 8930.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 74 | 57500.00 | 3 | 0.115040 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 29 | 26400.00 | 1 | 0.000000 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 0 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 54 | 23600.00 | 4 | 0.015042 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 3 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 147 | 49315.00 | 6 | 0.727507 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 4 | 4 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 2 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 9 | XXXX | 10823.98 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 1 | 1 | XXXX | XXXX |  | XXXX | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 166 | 79609.00 | 4 | 0.050160 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 4 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 |  |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 2522.40 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 2 | 2 | 1 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 22 | 25000.00 | 2 | 0.192204 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 7 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 7 | XXXX | 4945.88 | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 1 | 1 | XXXX | XXXX |  |  | 1 |  | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | 79 | 35623.00 | 5 | 0.461103 | XXXXXXXXXXXX |  |  | XXXX |  | XXXX |  | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 3 | 1 |  | XXXX | XXXX |  | 0 |  |  |  |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 0.000000 |  | 99 |  | UNK | [redaction] | 1 | 1 | 0 | 6 | XXXX | 0.00 | 0 | 0 | 1 | 2 | 0 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  | 2 | 0 | 0 |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | 1 | 2 | 0 | XXXX | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 386 | 60230.00 | 5 | 0.016479 | XXXXXXXXXXXX |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 1 | XXXX |  | XXXX |  | 1 | 1 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX |  | 0 |  | XXXX | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.2

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.2 - Schedule 7**

![](logositus-001.gif)

**Data Compare Summary (Total)**

**Run Date - 1/10/2023 1:09:16 PM**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 27 | 0.00% | 308 |
| Amortization Term | 0 | 18 | 0.00% | 308 |
| Amortization Type | 0 | 17 | 0.00% | 308 |
| Balloon Flag | 0 | 297 | 0.00% | 308 |
| Borrower First Name | 0 | 300 | 0.00% | 308 |
| Borrower FTHB | 0 | 16 | 0.00% | 308 |
| Borrower Last Name | 0 | 305 | 0.00% | 308 |
| Borrower SSN | 0 | 297 | 0.00% | 308 |
| City | 0 | 308 | 0.00% | 308 |
| Contract Sales Price | 0 | 8 | 0.00% | 308 |
| Decision System | 0 | 16 | 0.00% | 308 |
| Doc Type | 0 | 4 | 0.00% | 308 |
| Escrow Account | 0 | 15 | 0.00% | 308 |
| Has FTHB | 0 | 6 | 0.00% | 308 |
| Investor: Qualifying Total Debt Ratio | 0 | 306 | 0.00% | 308 |
| Lender | 0 | 297 | 0.00% | 308 |
| Lien Position | 0 | 17 | 0.00% | 308 |
| LTV Valuation Value | 0 | 10 | 0.00% | 308 |
| Margin | 0 | 4 | 0.00% | 308 |
| Maturity Date | 0 | 5 | 0.00% | 308 |
| Mortgage Type | 0 | 6 | 0.00% | 308 |
| Note Date | 0 | 22 | 0.00% | 308 |
| Occupancy | 0 | 308 | 0.00% | 308 |
| Original CLTV | 0 | 306 | 0.00% | 308 |
| Original Interest Rate | 0 | 303 | 0.00% | 308 |
| Original Loan Amount | 0 | 308 | 0.00% | 308 |
| Original LTV | 0 | 308 | 0.00% | 308 |
| Original Term | 0 | 4 | 0.00% | 308 |
| Originator Loan Designation | 0 | 297 | 0.00% | 308 |
| PITIA Reserves Months | 0 | 148 | 0.00% | 308 |
| Product Description | 0 | 297 | 0.00% | 308 |
| Property Type | 0 | 308 | 0.00% | 308 |
| Purpose | 0 | 308 | 0.00% | 308 |
| Refi Purpose | 0 | 51 | 0.00% | 308 |
| Representative FICO | 0 | 308 | 0.00% | 308 |
| State | 0 | 308 | 0.00% | 308 |
| Street | 0 | 301 | 0.00% | 308 |
| Universal Loan Identifier (ULI) | 0 | 1 | 0.00% | 308 |
| Zip | 0 | 306 | 0.00% | 308 |
| **Total** | **0** | **6471** | **0.00%** | **308** |

---

## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 1**

![](ex993s1001.jpg)

Executive Summary

GSMBS 2023-PJ1

(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of Northpointe Bank (the "Client"). The loans were originated by one Seller and acquired directly (or indirectly) by Goldman Sachs Mortgage Company through a Reliance Letter. The loan reviews were conducted from November 2021 through April 2022 by CRES.

(2) Number of Assets.

There were 17 assets in the loan population.

(3) Review Process.

The post-closing loan reviews were graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated April 18, 2022<br>|
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Moody's Approach to Rating US Prime RMBS dated November 15, 2018<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Moody's Approach to Rating US RMBS Using the MILAN Framework, dated February 16, 2022 |

---

The post-closing reviews included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 17 mortgage loans with an aggregate original principal balance of approximately $19,085,981. The mortgage loans were originated from November 2021 through March 2022 by one Seller.

(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included,

Page 1 of 10

but are not limited to:

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines and as applicable Appendix Q or Ability to Repay.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to income ratio requirements.

Page 2 of 10

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All ARR or CDA documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology (Consumer Loans)**

CRES reviews on consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases

Page 3 of 10

certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

*CRES utilizes a third-party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third-party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR
§1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

Page 4 of 10

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 3.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories:

(i) QM: Safe Harbor: Loans that meet the rule's definition of a QM and are eligible for safe harbor protection

Page 5 of 10

under the original QM definition, (ii) QM: Safe Harbor (APOR): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection under the new General QM definition (iii) QM: GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition, (iv) QM: Rebuttable Presumption: Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the original QM definition, (v) QM: Rebuttable Presumption (APOR): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection under the new General QM definition, (vi) QM: GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (vii) Non-QM: Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (viii) Non-QM: Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (ix) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. The seller's guidelines were updated 6/25/2021 to allow loans to be qualified under the new General QM requirements. All the loans in the population were reviewed to the new General QM requirements.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
| | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;100.00% |

---

**Document Review**

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

● Initial escrow disclosure.

● Initial TIL.

● Leases

Page 6 of 10

● Loan Estimate(s).

● Market Rent supporting documentation

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;LTV | &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;&nbsp;&nbsp;QM Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;&nbsp;&nbsp;Property City |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 17 mortgage loans reviewed, fifteen unique mortgage loans had at least one tape discrepancy across 20 data fields (one mortgage loan had more than one data discrepancy). The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data was not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;15 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;DTI\* | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;2 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;12 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Note Date\* | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;**17** |

---

Page 7 of 10

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;17 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | &nbsp;&nbsp;17 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |
| &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% | &nbsp;&nbsp;DTI Variance Threshold Applied: 3% |

---

DTI variances are the difference on the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating incomes. Total Debt Ratio variances that were less than or equal to 3% of the tape value are not included in the data discrepancies reflected.

(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans in the securitization have a Credit grade of "B" or higher and 82.35% of the mortgage loans by number have a Credit grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14 | 82.35% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 17.65% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "A.".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "A."

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 83.33% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14 | 82.35% |

---

Page 8 of 10

---

| | | |
|:---|:---|:---|
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3 | 17.65% |
| C | 0 | 0.00% |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17 | 100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14 | 82.35% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| &nbsp;&nbsp;**Second Home** | 3 | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17.65% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11 | 64.71% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5 | 29.41% |
| &nbsp;&nbsp;**Rate Term Refi** | 1 | 5.88% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6 | 35.29% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11 | 64.71% |
| &nbsp;&nbsp;**Condo** | 0 | 0.00% |
| &nbsp;&nbsp;**2-4 Family** | 0 | 0.00% |
| &nbsp;&nbsp;**Commercial** | 0 | 0.00% |
| &nbsp;&nbsp;**Townhome** | 0 | 0.00% |
| &nbsp;&nbsp;**Mixed Use** | 0 | 0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | 1 | 5.88% |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 4 | 23.53% |
| &nbsp;&nbsp;**30%-39.99%** | 6 | 35.29% |
| &nbsp;&nbsp;**40%-49.99%** | 6 | 35.29% |
| &nbsp;&nbsp;**50%-60.00%** | 0 | 0.00% |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Total** | **17** | **100.00%** |
| &nbsp;&nbsp;**Max DTI <43%** |  |  |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**20%-29.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**30%-39.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**40%-49.99%** | 0 | 0.00% |
| &nbsp;&nbsp;**50%-59.99%** | 1 | 5.88% |
| &nbsp;&nbsp;**60%-69.99%** | 3 | 17.65% |
| &nbsp;&nbsp;**70%-79.99%** | 6 | 35.29% |
| &nbsp;&nbsp;**80%-89.99%** | 3 | 17.65% |
| &nbsp;&nbsp;**90%-100%** | 4 | 23.53% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Count** | **Percentage** |
| **AZ** | 1 | 5.88% |
| **CA** | 2 | 11.76% |
| **FL** | 3 | 17.65% |
| **GA** | 3 | 17.65% |
| **NV** | 3 | 17.65% |
| **PA** | 1 | 5.88% |
| **TX** | 2 | 11.76% |
| **UT** | 2 | 11.76% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**17** | **100.00%** |

---

Page 10 of 10

## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 |
| **Primary Servicer** | **Servicing Fee— Percentage** | **Servicing Fee—Flatdollar** | **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 Amount(s)** | **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 Round 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 Cap (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<br> VantageScore<br> 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** | **4506-T Indicator** | **Borrower Income Verification Level** | **Co-Borrower Income Verification** | **Borrower Employment Verification** | **Co-Borrower Employment Verification** | **Borrower Asset Verification** | **Co-Borrower Asset Verification** | **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 Value2** | **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 %** | **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 I/O 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 Manufacturer's Invoice Price** | **LTI (Loan-to- Invoice) Gross** | **Net Manufacturer's Invoice Price** | **LTI (Net)** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community/Related Party Lender (Y/N)** | **Defined Underwriting Criteria (Y/N)** | **Credit Grade** | **Program** | **Application Date** | **TRID** | **TILA Qualified Mortgage Status** | **Detail Why Loan Designation is Non-QM/Exempt** | **Borrower Rate Lock Date with Seller** | **Eligible for GSE** | **Points and Fees (HOEPA)** | **APR** | **Meets Appendix Q Doc Requirement** | **Underwriting Guidelines Seller utilized to review loan File** | **Underwriting Guidelines Date Seller utilized to review loan File** | **Balloon Flag** | **Maturity Date** | **Interest Only Flag** | **ARM First Rate Adj Date** | **ARM Next Rate Adj Date** | **Property Value Used For LTV** | **Source Doc LTV Based On** | **FEMA Disaster Flag** | **Disaster Name** | **Date Of Disaster** | **Disaster Type** | **FEMA Disaster Date < Apsl Date** | **FEMA Disaster > Apsl Date < to Note Date** | **FEMA Disaster Date > Apsl Date > Note Date Prop Insp In and Confirmed Prop No Damage** | **Prop Insp Est Prop Damage in % or Dollars** | **Texas Equity Transaction** | **Seller Authorized to sell Texas Equity** | **Leasehold** | **Condo** | **Condo Warrantability** | **HOA Super Lien State** | **Borrower 3 Wage Earner Original FICO Equifax** | **Borrower 3 Wage Earner Original FICO Experian** | **Borrower 3 Wage Earner Original FICO Transunion** | **Borrower 4 Wage Earner Original FICO Equifax** | **Borrower 4 Wage Earner Original FICO Experian** | **Borrower 4 Wage Earner Original FICO Transunion** | **Borrower 5 Wage Earner Original FICO Equifax** | **Borrower 5 Wage Earner Original FICO Experian** | **Borrower 5 Wage Earner Original FICO Transunion** | **Borrower 6 Wage Earner Original FICO Equifax** | **Borrower 6 Wage Earner Original FICO Experian** | **Borrower 6 Wage Earner Original FICO Transunion** | **Most Recent Borrower 3 FICO** | **Most Recent Borrower 4 FICO** | **Most Recent Borrower 5 FICO** | **Most Recent Borrower 6 FICO** | **Borrower 3 Wage Income** | **Borrower 4 Wage Income** | **Borrower 5 Wage Income** | **Borrower 6 Wage Income** | **Borrower 3 Other Income** | **Borrower 4 Other Income** | **Borrower 5 Other Income** | **Borrower 6 Other Income** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 5 Income Verification Level** | **Borrower 6 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification Level** | **Borrower 5 Employment Verification Level** | **Borrower 6 Employment Verification Level** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Borrower 5 Asset Verification Level** | **Borrower 6 Asset Verification Level** | **Residual Income** | **Employment Indicator Borrower 1** | **Employment Indicator Co-Borrower** | **Employment Indicator Borrower 3** | **Employment Indicator Borrower 4** | **Employment Indicator Borrower 5** | **Employment Indicator Borrower 6** | **Income Verification – Borrower 1 Income Doc Type** | **Income Verification – Co-Borrower Income Doc Type** | **Income Verification – Borrower 3 Income Doc Type** | **Income Verification – Borrower 4 Income Doc Type** | **Income Verification – Borrower 5 Income Doc Type** | **Income Verification – Borrower 6 Income Doc Type** | **Income Documentation Number of Months Provided - Borrower 1** | **Income Documentation Number of Months Provided - Co-Borrower** | **Income Documentation Number of Months Provided - Borrower 3** | **Income Documentation Number of Months Provided - Borrower 4** | **Income Documentation Number of Months Provided - Borrower 5** | **Income Documentation Number of Months Provided - Borrower 6** | **Income Documentation Type - Borrower 1** | **Income Documentation Type - Co-Borrower** | **Income Documentation Type - Borrower 3** | **Income Documentation Type - Borrower 4** | **Income Documentation Type - Borrower 5** | **Income Documentation Type - Borrower 6** | **Bankruptcy Chapter** | **Bankruptcy Date** | **Bankruptcy Disposition** | **Foreclosure Date** | **Short Sale** | **DIL Date** | **Housing History times 30 last 12 months** | **Housing History times 60 last 12 months** | **Housing History times 90 last 12 months** | **Housing History times 120 last 12 months** | **Housing History times 30 last 24 months** | **Housing History times 60 last 24 months** | **Housing History times 90 last 24 months** | **Housing History times 120 last 24 months** | **Borrower 1 Citizenship Status** | **Co Borrower Citizenship Status** | **Borrower 3 Citizenship Status** | **Borrower 4 Citizenship Status** | **Borrower 5 Citizenship Status** | **Borrower 6 Citizenship Status** | **Borrower Income Months Verified** | **Co Borrower Income Months Verified** | **Borrower 3 Income Months Verified** | **Borrower 4 Income Months Verified** | **Borrower 5 Income Months Verified** | **Borrower 6 Income Months Verified** | **Loan Number 2** |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 3 | 6 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 82 | 18889 | 21 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 1 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 |  | XXXXXXX | XX | XXXXXXX | 1 | 2 |  | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | 5 | 5 | 5 | 5 | 1 | 1 | 3 | 3 | 4 | 4 | 4 | 4 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Tax Returns (Business) | Tax Returns (Personal) | Tax Returns (Personal) | Tax Returns (Personal) | Tax Returns (Personal) | Tax Returns (Personal) |  |  |  |  |  |  | Standard | Standard | Standard | Standard | Standard | Standard |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 24 | 24 | 24 | 24 | 24 | 24 | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 2 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 82 | 32000 | 2 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 2 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Paystubs/W2 | Paystubs/W2 |  |  |  |  |  |  |  |  |  |  | Standard | Standard |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 34 | 32 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 2 | 2 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 99 | 45922 | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Tax Returns (Business) | No Data |  |  |  |  |  |  |  |  |  |  | Standard | No Data |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 34 | 0 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 1 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  | 99 | 55450 | 15 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 1 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Paystubs/W2 |  |  |  |  |  |  |  |  |  |  |  | Standard |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX |  |  |  |  |  | 25 |  |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 2 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 99 | 26600 | 10 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 1 | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Paystubs/W2 | No Data |  |  |  |  |  |  |  |  |  |  | Standard | No Data |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 36 | 0 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 9 | XXXX | XXXX | 0 | 0 | 0 | 4 | 0 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 2 | 0 | XXXXXXX | XXXX | XXXX | 0.2 | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 82 | 562120 | 9 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 |  | XXXXXXX | XX | XXXXXXX | 1 | 1 |  | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Tax Returns (Personal) | Tax Returns (Personal) |  |  |  |  |  |  |  |  |  |  | Standard | Standard |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 34 | 33 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 2 | 1 | XXXXXXX | XXXX | XXXX | 6 | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 99 | 85162 | 8 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 |  | XXXXXXX | XX | XXXXXXX | 7 | 1 |  | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Tax Returns (Personal) | Benefits Letter |  |  |  |  |  |  |  |  |  |  | Standard | Standard |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 24 | 24 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 1 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  | 82 | 57709 | 24 |  |  | XXXXXXX |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Paystubs/W2 |  |  |  |  |  |  |  |  |  |  |  | Standard |  |  |  |  |  | XXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX |  |  |  |  |  | 35 |  |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 2 | 2 | 1 | XXXXXXX | XXXX | XXXX | 14 | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 99 | 96322 | 12 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 1 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 |  | XXXXXXX | XX | XXXXXXX | 7 | 1 |  | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Tax Returns (Business) | No Data |  |  |  |  |  |  |  |  |  |  | Standard | No Data |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 24 | 0 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 1 | 0 | XXXXXXX | XXXX | XXXX | 14 | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  | 99 | 33920 | 6 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 4 |  | XXXXXXX | XX | XXXXXXX | 7 | 1 |  | XXXXXXXXX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Paystubs/W2 |  |  |  |  |  |  |  |  |  |  |  | Standard |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | XXXX |  |  |  |  |  | 34 |  |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 1 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 2 | 2 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 82 | 50000 | 15 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 1 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 2 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Tax Returns (Personal) | Tax Returns (Personal) |  |  |  |  |  |  |  |  |  |  | Standard | Standard |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 24 | 24 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 3 | XXXX | XXXX | 0 | 0 | 0 | 1 | 0 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 2 | 0 | XXXXXXX | XXXX | XXXX | 12 | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 99 | 52566 | 10 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 |  | XXXXXXX | XX | XXXXXXX | 1 | 1 |  | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Paystubs/W2 | Paystubs/W2 |  |  |  |  |  |  |  |  |  |  | Standard | Standard |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 24 | 24 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 2 | 1 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  | 99 | 775 | 5 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Paystubs/W2 |  |  |  |  |  |  |  |  |  |  |  | Standard |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX |  |  |  |  |  | 34 |  |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 6 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 2 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 99 | 48001 | 8 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 1 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Paystubs/W2 | Tax Returns (Personal) |  |  |  |  |  |  |  |  |  |  | Standard | Standard |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 35 | 24 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 2 | 2 | 1 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | 87 | 116931 | 6 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |  |  |  |  | Tax Returns (Business) | Tax Returns (Business) |  |  |  |  |  |  |  |  |  |  | Standard | Standard |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX | XXXX |  |  |  |  | 24 | 24 |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 0 | 4 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 1 | 0 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  | 99 | 10000 | 5 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 1 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 9 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Paystubs/W2 |  |  |  |  |  |  |  |  |  |  |  | Standard |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX |  |  |  |  |  | 25 |  |  |  |  |  | XXXXXXXXX |
| XXXX | 0 | 0 | 99 | XXXXXXXXX | UNK | XXXX | 1 | 1 | 0 | 7 | XXXX | XXXX | 0 | 0 | 1 | 2 | 4 | XXXXXXXXX |  |  |  | XXXXXXXXX |  | XX/XX/XXXX | XXXXXXXXX | XXXX | 360 | 360 | XX/XX/XXXX | 2 |  | 0 |  |  | XXXX | XXXXXXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  | 0 |  |  | 1 | 1 | 1 | XXXXXXX | XXXX | XXXX |  | 1 | XX/XX/XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  | 99 | 98578 | 19 |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 4 | 1 | XXXXXXX | XX | XXXXXXX | 7 | 1 | XXXXXXXXX | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXXXXXXX | 3 | XX/XX/XXXX |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | XX/XX/XXXX | Yes | QM: Safe Harbor (APOR) | N/A: QM Loan | XX/XX/XXXX |  | XXXX | XXXX | Yes | XXXXXXXXX | XX/XX/XXXX | 0 | XX/XX/XXXX | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | Tax Returns (Personal) |  |  |  |  |  |  |  |  |  |  |  | Standard |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | XXXX |  |  |  |  |  | 24 |  |  |  |  |  | XXXXXXXXX |

---

## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 3**

![](logocovius-002.gif)

**&nbsp;&nbsp;&nbsp;&nbsp;ATR QM Data Fields**

Loans in Report: 17

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| XXXXXXXXXXXX | XXXXXXXXXXXX | QM: Safe Harbor (APOR) | No | Yes |
| **XXXX** |  |  |  |  |

---

## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 4**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **TPR Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | LTV | -1.0577 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | LTV | -0.8182 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | LTV | -0.5833 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | LTV | 2 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | LTV | -2.2346 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | CLTV | -1.0577 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | CLTV | -0.8182 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | CLTV | -0.5833 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | CLTV | 2 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | CLTV | -2.2346 | Yes |
| XXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | Appraised Value | 25000 | Yes |
| XXXX | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | Appraised Value | 3000 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -62 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -8 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -3 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | 24 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -3 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | 14 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | 31 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -16 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -62 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -9 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -9 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -39 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -28 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | 5 | Yes |
| XXXX | XXXXXXXXXXX | XXXX | XXXX | FICO | -6 | Yes |

---

## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 5**

**Rating Agency Grades: 1/9/2023**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Credit Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Compliance Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Property Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Initial Overall Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Credit Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Compliance Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Property Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** | **Final Overall Grades** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** | **DBRS** | **KBRA** | **Fitch** | **Moody's** | **S&P** |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | C | C | C | C | C | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | C | C | C | C | C | C | C | C | C | C | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | A | A | A | A | A | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | C | C | C | C | C | D | D | D | D | D | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | D | D | D | D | D | C | C | C | C | C | A | A | A | A | A | D | D | D | D | D | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | A | A | A | A | A | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |
| XXXX | XXXXXXXXX | XXXXXXXXX | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | C | C | C | C | C | B | B | B | B | B | A | A | A | A | A | A | A | A | A | A | B | B | B | B | B |

---

## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 6**

**ValuationReport**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Seller Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **CU Date** |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 5 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.2 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.1 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXX | XXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXX | XXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.5 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | XXXX | XXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.8 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Sale Price | XXXXXXXXXX | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.5 Fannie Mae | XX/XX/XXXX |
| XXXX | XXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXX | XXXX | Appraised Value |  | XXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 Fannie Mae | XX/XX/XXXX |

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## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 7**

**Rating Agency Exceptions Report: 1/9/2023**

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| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | The 1008 located in the loan file is not signed. | 01/21/2022 - document received clears condition |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Total Debt Ratio | Audit calculated total debt ratio exceeds guidelines. The underwriter used a total qualifying monthly income of $XXXX with a total monthly debt of $XXXX giving the borrower a DTI of XX%. The auditor found the total qualifying income to be $XXXX with a total monthly debt of $XXXX giving the borrower a DTI of XX%. Due to the issues identified in the above exception, this loan appears to be ineligible for sale under the Product type. The Provider must obtain approval from the investor to repurchase the loan in question or obtain an exception for the deviation. | 01/21/2022 - removed the XXXXX payment and XXXXX Card since documentation provided shows XXXXX balances removed the XXXXX pmt since there is less than payments. DTI ratio of XX% exceeds maximum XX%. 02/10/2022 ratios are XX% and exceed guidelines. 02/17/2022 Document provided to cure. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal. | 02/24/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Funds to Close | Provide the source of the XXXXX in the XXXXX #XXXXX on XXXXX. These funds are needed for closing. | 02/24/2022 only XXXXX was sourced. still need to source XXXXX. 02/28/2022 We understand that the funds were paid however they were not sourced. Only proof of XXXXX was provided. . still need to source XXXXX a 03/03/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document is included in the loan file was not signed for a manually underwritten loan. | 02/24/2022 Document provided is unsigned. 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit | Provide disposition of XXXXX, which is on the Schedule E but not on the REO Schedule of the 1003. | 02/24/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit - Eligiblity | Provide documentation to show the HOA fees for XXXXX, The Schedule # shows XXXXX year. Audit used XXXXX per month to calculate the net rental income. DTI ratio is pending. | 02/24/2022 Only need HOA. Hazard, taxes provided need HOA dues. . 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit Report | Provide a complete rental pay history for the most recent 24 months and copies of the signed lease agreements for XXXXX. The file includes statements showing XXXXX withdrawals and withdrawals to XXXXX, but the file was missing the history from XXXXX through XXXXX and the payments toXXXXX were not consistently the same each month. | 02/24/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Income - Self Employment | Most recent paystub is missing in the file. Provide YTD pay stubs dated within 90 days prior to the Note date from XXXXX, supporting the wages on the 2020 W-2. Note: XXXXX, and XXXXX (see 2020/2019 W-2 tax forms, UW SE Worksheet) are not owned/affiliated with borrower's company, XXXXX. The W-2 earnings cannot be used from these sources if the employment with them has not continued, DTI is pending until documents are provided. Provide the missing paystubs. | 03/02/2022 Received paystubs from XXXXX<br>Still need Paystubs dated within 90 days prior to the Note date from XXXXX, supporting the wages on the 2020 W-2. Note: XXXXX, and XXXXX (see 2020/2019 W-2 tax forms, UW SE Worksheet) are not owned/affiliated with borrower's company, XXXXX. 04/26/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. Please provide the Seller Closing Disclosure for our review. | 03/02/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrower received a copy of the appraisal for our review. | 03/02/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit | Provide copy of the Note and Mortgage for the junior lien with XXXXX reflecting satisfactory terms, and documenting the payment, balance, account number. | 03/02/2022 Received HELOC agreement with XXXXX. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 03/02/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Other | The Change of Circumstance provided in the file was for the Increased Appraisal, but the Change of Circumstance was dated XXXXX which is the date of the Initial Loan Estimate. Provide a corrected Change of Circumstance dated XXXXX. | 01/13/2022 - Covius compliance to review 01/14/2022 - documents clear condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | According to the underwriting guidelines, a desktop valuation analysis from Clear Capital is required when the Collateral Underwriter Risk Score is over 2.5. The Risk Score for the subject appraisal was 2.6. Provide the desktop valuation analysis from Clear Capital. | 01/13/2022 - documents received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Funds to Close | Provide documentation to show the source of the XXXXX deposit on XXXXX in the XXXXX/cash account #XXXXX. | 01/13/2022 - document provided clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit Report | Provide the borrowers' rental pay history at XXXXX and XXXXX to cover the remining 15 months housing history since the guidelines require the most recent 24 month history. The rental history is prior to borrowers purchasing the property located at XXXXX in XXXXX (9 months history provided). | 02/15/2022 Payments are not consistent with lease provided. We do not have an additional 15 months. LOX provided only accounts for 5 payments that should be a different amount XXXXX. Some months have no payments to the party provided on the lease or correct amount. 02/21/2022 We have a total of 11 confirmed payments. We have a lot of pieced together amounts that we can not account for. 02/24/2022 We have a total of 20 pymts between the mtg o credit and submitted rental docs. 02/25/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Closing Disclosure | The Seller Closing Disclosure is not included in the loan file. | 01/13/2022 - document received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 01/13/2022 - document received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file must be signed for a manually underwritten loan. Provide a fully completed signed 1008 for our review. | 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit - Inquiries | Credit report reflects inquiries that are not addressed/explained. The Originator should include a step in the underwriting process to verify that any credit inquiries listed on the credit report did not result in a new credit account opened by the Borrower. If the Borrower opened a new credit account, it must be considered in the determination of the Borrower's capacity to repay the Mortgage. | 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | According to the SSR/UCDP the Collateral Underwriter® Risk Score is in excess of 2.5 giving the property a 3.2. According to the guidelines, the Correspondent must validate the appraisal by obtaining a desktop valuation analysis from an approved XXXXX vendor and include it in the Loan Delivery Submission package, however, in this case there is no desktop valuation located in the loan file. Provide a desktop valuation analysis from Clear Capital for our review. | 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Asset Verification | Loan Presentment Data denotes asset verification occurred; however, asset verification support is not in file. The loan file contains a VOD account ending in #XXXXX in which there is no average balance for the last 60 days as the account was recently opened on XXXXX, however, the loan file does not contain evidence of where the funds in the amount of XXXXX came from. Provide satisfactory evidence of where the funds were derived for our review. | 02/28/2022 HELOC was the large deposit. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. Date of the Rate Lock must be documented in the loan file. | 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Title | The Title Commitment or Title Policy is not included in the loan file. Please provide the Title Commitment and/or Policy with all applicable endorsements for our review. | 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Income | A signed Profit and Loss Statement (P&L) was not located in the loan file. Provide a signed Profit and Loss Statement (P&L) for our review. | 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Income | The 2020 and 2019 1120S business tax returns located in the loan file are missing the statements. Please provide the missing statements for the 2020 and 2019 for the 1120S business tax returns for our review. | 02/28/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 02/11/2022 Document provided to cure. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Rate Lock | Evidence of the Rate Lock date is not in the loan file. | 02/11/2022 Document provided to cure. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit Report | Provide either canceled check (front & back)/bank statements and a signed lease agreement or a VOR if the landlord is a professional management company. for the borrowers at XXXXX. The application shows the borrowers have been residing at this property for the last 7 months. | 02/11/2022 Document provided to cure. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrowers received a copy of the appraisal. | 02/11/2022 Document provided to cure. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Income | Provide a signed 4506-C for XXXX. | 03/14/2022 Document provided to cure |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. Provide a copy of the complete, signed Uniform Underwriting Transmittal Summary (Form 1008) for our review. | 02/3/2022 Document provided to cure. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Loan Estimate | The Loan Estimate does not meet the three business days after application timing requirement requirement. Provide evidence a Loan Estimate was provided to the borrower in compliance with timing requirements. | 01/17/2022 - documents not sent 02/3/2022 Covius compliance to review. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Income | The IRS tax form 4506C for XXXXX was not in the file. | 02/28/2022 Document provided to cure. |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Loan Estimate | The Service provider list was not provided in the file. | 12/27/2021 - document received clears condion |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Homeownership counseling | The Homeownership Counseling Organization List Disclosure is not in file. | 12/27/2021 - document provided clears condition |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit | Provide the closure letter signed by the borrower for the XXXXX HELOC #XXXXX. | 12/27/2021 documents received clears condition |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Asset Verification | The guidelines require 12 months reserves. The borrower has XX months of reserves. | 01/03/2022 Stmts sent are the same funds provided. See DTI worksheet with funds verified. <br> 01/12/2022 XXXXX statement provided is a charge account. Need additional asset statements to confirm borrower has a full 12 months reserves 01/26/2022 - document received clears condition |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | Form 1008 document in the loan file was not signed for a manually underwritten loan. | 12/27/2021 - document provided clears condition |  | Cleared Exception A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | 1008 | Provide the signed 1008 since loan is manually underwritten. | 04/18/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence borrower received a copy of the appraisal | 04/18/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Final 1003 | The final 1003 is not included in the loan file. | 04/18/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit - Inquiries | This loan failed the charges that cannot increase test. The initial LE reflects the appraisal fee as $XXXX, however the final CD reflects the comparable fee as $XXXX for an increase of $XXXX. A change of circumstance for the increased fee was not included in the loan file. | 04/18/2022 Covius compliance to review. 04/21/2022 Discl tracking was provided but not the COC to support the changes. 04/25/2022 Covius compliance to review 4/26/2022 Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | Provide evidence the borrowers received a copy of the appraisal. | 03/21/2022 - document received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Other | The E-Consent is missing from the file. | 03/21/2022 - documents received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | VOM | Provide the Verification of Mortgage (VOM) and/or the mortgage payment history on XXXXX Mortgage #XXXXX for the time frame of XXXXX through XXXXX. | 03/21/2022 - document received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit | Provide documentation to verify the new XXXXX #XXXXX auto payment of XXXXX reflected on the 1003 since it is not on the credit report in the file. Also, provide documentation of the $XXXXX XXXXX #XXXXX payment and $XXXXX XXXXX #XXXXX payment on the 1003 as the credit report in the file reflects a $XXXXX and $XXXXX payment on these two accounts. | 03/21/2022 - document received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Income | Provide the signed and dated 4506-Cs for the borrowers and the business, XXXXX. | 03/21/2022 - documents received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Income | Provide the XXXXX business bank statements for XXXXXo #XXXXX, XXXXX #XXXXX and XXXXX #XXXXX since depository accounts covering the last 3 months reflected on the YTD P&L Statement are required. The YTD P&L statement ended XXXXX. The file only contains the XXXXX and XXXXX stattments. | 03/21/2022 - documents received clears condition (received LOX for business bank statements indicating the XXXXX accounts were not opened until XXXXX- the XXXXX XXXXX statements show a beginning balance of $XXXXX. Received the XXXXX bank statement for XXXXX) |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Owner Occupied | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Funds to Close | Provide the business cash flow analysis to confirm the withdrawal of funds for the subject transaction will not have a negative impact on the business as it appears the business bank accounts are being used for closing and reserves. | 03/21/2022 - document received clears condition |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Second Home | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Closing Disclosure | The Initial Closing Disclosure signed/provided to the borrower at least 3 business days prior to closing is missing from the loan file. | 03/25/2022 - Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Second Home | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | VOM | Provide the Verification of Mortgage (VOM) and/or the mortgage payment history on XXXXX Loan #XXXXX for XXXXX. | 03/25/2022 - Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Second Home | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | According to the SSR/UCDP the Collateral Underwriter® Risk Score is in excess of 2.5 giving the property a 3.8. According to the guidelines, the Correspondent must validate the appraisal by obtaining a desktop valuation analysis from an approved XXXXX vendor and include it in the Loan Delivery Submission package, however, in this case there is no desktop valuation located in the loan file. Provide a desktop analysis from Clear Capital for our review. | 01/25/2022 - document received clears condition |  | Cleared Exception B | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Second Home | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Funds to Close | Documentation of the sale of XXXXX is not located in the loan file. Provide satisfactory evidence XXXXX is sold for our review. | 01/25/2022 - document received is for the sale in 2019 and the settlement statement does not show the borrowers as the sellers. Need the settlement statement for XXXXX when the borrowers sold the property. 03/03/2022 Received 1003 stating property is retained and not sold. provide mortgage stmt and or tax cert and HOI to confirm PITI for this property. DTI pending. 03/08/2022 Received 1003 again. If property is sold provide final CD with the borrowers as sellers . the settlement statement does not show the borrowers as the sellers if property is retained provide mortgage stmt and or tax cert and HOI to confirm PITI for this property. DTI pending. 03/11/2022 Document provided to cure. |  | Cleared Exception B | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Second Home | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Funds to Close | Down payment funds, cash to close, and reserves as required per the AUS or guidelines are not in file. According to the guidelines 24 months of verified reserves are required, however, there is only 17 months reserves verified after closing. Please provide documentation to support all required funds for our review. | 03/25/2022 - What was provided is an exception request for the missing reserves, however, the exception does not indicate the request has been granted. Provide the missing needed reserves or provide the approved exception. 03/31/2022 Exception provided. | Credit Score - Borrower credit score is 784 which is 84 point higher than the 700 score required by the Lender, Prior Housing History - Borrowers have good records of their mortgage payment history. No any late payment found on all mortgage loan. | Client Accepted B | 2 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Second Home | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Property | Appraisal | According to the underwriting guidelines, a desktop valuation analysis from Clear Capital is required with the Collateral Underwriter Risk Score is over 2.5. The Risk Score for the subject is 4.5. Provide a desktop valuation analysis from Clear Capital | 02/01/2022 Document provided to cure. |  | Cleared Exception B | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Purchase | Second Home | PUD | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Credit Report | Provide the borrowers' rental payment history from XXXXX through XXXXX for XXXXX. Also, provide the rental payment history and the lease agreement for the rental lease in XXXXX reflected on liabilities section of the final 1003 (address not provided). | 02/01/2022 Received lease. Still need borrowers' rental payment history from XXXXX through XXXXX for XXXXX. Also, provide the rental payment history and the lease agreement for the rental lease in XXXXX 02/24/2022 Received rental payment history from XXXXX through XXXXX for XXXXX. Received Lease for XXXXX property. Still need the rental payment history for XXXXX (XXXXX). 03/25/2022 - An exception request for the rental payment history for XXXXX was provided, however, the exception has not been approved. Provide an approved exception for XXXXX. 03/31/2022 Client provided exception. | Credit Score - The borrower have a credit scores of 807. Program minimum score is720., Months Of Reserves - Borrowers have 75 months in reserves. Program requires a minimum of 12 months. | Client Accepted B | 2 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | VOM | The Verification of Mortgage (VOM) and/or the mortgage payment history on the XXXXX#XXXXX for the time frame of XXXXX-XXXXX is not in the loan file. While the payoff in the loan file reflects the next due date is XXXXX for the mortgage, the guidelines state "The most recent 24 months mortgage or rental payment history is required. 0x30x24 late <br> payments allowed". Therefore, the payment history for the time frame of XXXXX-XXXXX is required for our review. | 04/06/2022 Document provided to cure. |  | Cleared Exception B | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Compliance | Loan Estimate | Written List of Providers missing. Please provide the evidence that the written list of providers was provided to the borrowers for our review. | 04/06/2022 Document provided to cure. |  | Cleared Exception B | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Hazard Insurance | According to the underwriting guidelines, hazard insurance is required on all loans. Dwelling coverage covering the loan 100% of the insurable value of the improvements as established by the property insurer or the unpaid balance of the mortgage/loan amount as long as it is equal to 80% of the insurable value of improvements on appraisal, whichever is lower. In this case, the hazard insurance reflects coverage of XXXXX. The policy indicates there is an additional 125% coverage, which is a total of XXXXX, however, the loan amount is XXXXX. Provide replacement cost estimator to support lower coverage or update coverage amount for our review.<br>| 04/06/2022 Document provided to cure. |  | Cleared Exception B | 1 |
| XXXX | XXXXXXXXXXX | XXXX | Refi - Cash Out | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX | XXXX | Credit | Program Eligibilty | It appears that the terms of the subject loan do not meet eligibility guidelines. According to the guidelines the maximum cash out for a loan amount of up to XXXXX is $XXXX. In this case the borrowers received $XXXX cash in hand at the closing table. If you disagree with the guidelines on this, please provide a letter of explanation and documentation that supports your explanation or the approved exception for the additional cash out for our review. | 04/06/2022 Exception provided. Client accepts. | Months Of Reserves - The borrowers have XX more months of reserves than the required amount of 12 months., Credit Score - The credit score of XXX is XX points higher than the minimum required of 720. | Client Accepted B | 2 |
| **XXXX** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXXXXXXXXX | XXXX | Rate Term Refi | Owner Occupied | Single Family Detached | XXXX |  | XXXX | XXXX | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| **XXXX** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.3

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.3 - Schedule 8**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Number of Mortgaged Properties** | **Current Payment Amount Due** | **Current 'Other' Monthly Payment** | **Subject PITIA** | **Non-Subject PITIA** | **Non-Subject Net Rental Income Calc** | **FEMA Cert Number** |
| XXXX | XXXXXXXXXXX | 2 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 2 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 2 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 2 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 2 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 3 | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |
| XXXX | XXXXXXXXXXX | 1 | XXXXXXX | XXXXXXX | XXXXXXX | 0.00 | 0.00 | XXXXXXXXXXX |

---

## Exhibit 99.4

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.4 - Schedule 1**

![](ex994s1-001.jpg)

GSMBS 2023-PJ1

Opus Capital Markets Consultants, LLC

Executive Narrative

Opus Capital Markets Consultants, LLC

300 Tri-State International \| Suite 320

Lincolnshire, IL 60069<br> 224.632.1300 \| www.opuscmc.com

Opus Privileged and Confidential Public Page 1

**Executive Narrative**

**January 10, 2023**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

 **Goldman Sachs Mortgage Company**

This report summarizes the results of a due diligence review performed on (1) loan provided by Goldman Sachs Mortgage Company (Customer) who provided Opus Captial Markets Consultants, LLC (Consultant) with a data tape, from which 100% of the loan sample was chosen and loaded into the Paragon<sup>®</sup> underwriting software. Consultant performed a detailed compliance and credit review on the loan.

One (1) loan was underwritten to Client-provided underwriting guides and was identified as Qualified Mortgage – Safe Harbor. The loan was underwritten under Legacy General QM and designated as Safe Harbor (calculated in accordance with Appendix Q to Regulation Z).

Opus was established in 2005 and acquired by Wipro Ltd in January 2014. Owls Partners acquired Opus December 2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Credit Qualification

A re-underwriting review was conducted in order to verify that the requisite underwriting guidelines as specified by Client were met. Confirmation of the loan terms was performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review consisted of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.1 Guidelines

Determine whether each mortgage loan meets the requisite guideline requirements as specified by the Client. In lieu of specific requirements, Consultant should consider Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.2 Employment

Review the file documentation for minimum required level of opus employment, income and asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.3 Income

Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter at origination to determine compliance with the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.4 Assets

Confirm the presence of adequate asset documentation to comply with the Client provided underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.5 Debt Ratio

Recalculate the debt to income ratio and verify the ratio accuracy used by the loan underwriter at origination to determine compliance with Client provided underwriting guidelines and regulatory requirements.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.6 Property Valuation

Analyze all appraisals and alternative value tools used to qualify the loan for integrity of comparable sales, completeness of data, eligibility of the appraiser and reasonableness of estimated value. Review the appraisal to determine the appraisal(s) meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.7 Loan-to-Value Ratio

Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination and meet Client provided underwriting guideline and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.8 Credit History

Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1.9 Credit Scores

Verify that borrower(s) meet minimum credit score requirements of the Client provided underwriting guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**1.10** **Compensating Factors** 

Verify exceptions to the Client provided underwriting guidelines are documented and reasonable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Document Review

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1 Collateral Docs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.1 Title Commitment / Policy

Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.2 Mortgage Note / Security Instrument

Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.3 Mortgage / Deed of Trust

Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.1.4 Conveyance Deed

Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2 Closing Docs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.1 Final Hud-1 Settlement Statement

If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.2 Final Truth-in-Lending Disclosure

If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

Opus Privileged and Confidential Public Page 3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.2.3 Notice of Right to Cancel

If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.4 If required verify the presence of the current Loan Estimate (LE) at the time of origination

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.2.5 If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3 Credit Docs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.1 Loan Application

Verify the presence and completeness of both the initial and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.2 Underwriting Worksheet

Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.3 Credit Report

Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.4 Housing Payment History

In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.5 Letters of Explanation

When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.6 Gift Letters

When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.7 Income Documentation

Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.8 Asset Documentation

Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.9 Property Valuation Tools

Verify that each loan file contains adequate appraisal and other third party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.3.10 Proof of Insurance

Verify the presence of insurance certificates for mortgage, hazard and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Regulatory Compliance

Each mortgage loan file will be subject to a post-closing regulatory compliance review to verify that each mortgage loan closed in compliance with the applicable federal, state and local anti-predatory lending statutes in effect at the time of origination of the Mortgage Loan and that the loans meet the applicable disclosure requirements provided under (i) the federal Truth in Lending Act ("TILA"), as

Opus Privileged and Confidential Public Page 4

implemented by Regulation Z, 12 C.F.R. Part 1026; (ii) Section 4 of the Real Estate Settlement Procedures Act ("RESPA"), as implemented by Regulation X, 24 C.F.R. Part 3500; (iii) the National Flood Insurance Act, (iv) the disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution and associated regulations; and (v) the disclosure requirements and prohibitions of the applicable state, county and municipal laws and ordinances enacted to combat predatory lending.

The regulatory compliance review will be conducted in line with the most recently dated Structured Finance Industry Group (SFIG) RMBS TRID Compliance Review Scope with an effective date of October 2018.

 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.1** **Third Party Fees** 

If a third party charge appears to be unreasonable based upon the reviewer's experience, the fee will be considered unreasonable for purposes of tolerance testing and finance charge calculation (as applicable).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.2** **Federal Truth in Lending Act/Regulation Z:** 

A review of the material compliance disclosures set forth in Reg Z, as amended, including the Truth in Lending Disclosure and the Notice of Right-to-Cancel, if applicable; and a review and comparison of the material disclosures with a report outlining any TILA violations. This includes a re-calculation of disclosed finance charge [§1026.18(d)], proper execution by all required parties [§1026.17(b)], principal and interest calculations [§1026.18(s)], payment stream(s), recalculation of disclosed APR [§1026.22], and a review to ensure disclosure differences are within the allowed tolerances [§1026.18(d) and §1026.23(g)]. A review of the Notice of Right to Cancel (§1026.15 / §1026.23): Review includes a verification of the transaction date and expiration date, ensures proper execution of the Notice of Right to Cancel by all required parties verifies the disbursement date and determines if a full 3-day rescission period was adequately provided to the borrower(s). Further, a review of proper rescission model form usage will be conducted in accordance with Circuit Court ruling methodology related to use of the H8 vs. H9 forms on same lender rescindable transactions. A condition must be placed if the transaction is a refinance by the original creditor and the borrower was provided the Form H-8 rescission notice. Opus will note in the condition whether or not there was a new advance that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.3** **Business Days as Defined by Regulation Z:** 

General business day is defined as the days on which a creditor's offices are open to the public for carrying on substantially all of its business functions excluding Sundays and holidays specified by §1026.2(a)(6). Specific business day is defined as all calendar days (Monday through Saturday) excluding Sundays and holidays specified by 5 U.S.C. 6103(a)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.4** **MDIA (Mortgage Disclosure Information Act) - Applications Dated After 07/30/2009 and Prior to 10/03/2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.1 Initial Delivery: Creditor must deliver the Initial Disclosures within 3 "general" business
days of application

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.2 No Pre-disclosure Fees: Creditor may not charge fees, other than credit report fee, prior to borrower
receiving the Initial Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.3 7 Day Waiting Period: Creditor must deliver the Initial Disclosures more than 7 "specific"
business days prior to closing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.4 3 Day Waiting Period: Creditor must issue revised disclosures if APR in initial disclosures becomes inaccurate.
Closing may not occur until the 3rd "specific" business day after the consumer receives the corrected disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.4.5 APR on Final TIL: APR on Final TIL must be within tolerance 1/8 or ¼ of percent difference in APR
based on regular or irregular payment stream.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.5** **Home Ownership Equity Protection Act (HOEPA) testing, to include:** 

 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.1 APR test [HOEPA (§1026.32(a)(1))] and [HPML(§1026.35(a)(1))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.1.1 If missing initial application, missing initial application date or missing rate lock confirmation results
in inability to determine application date or rate set date for purposes of high cost / higher-priced mortgage loan testing, vendor will
test based on: (1) a six-month window prior to closing date for missing application date; and (2) all dates between application and closing
for missing rate set date. A condition should be set to identify that the application date or rate lock date is missing and that alternative
(look-back) testing was utilized. Other evidence in the file (e.g. date of initial disclosures, rate lock expiration on GFE) may be relied
upon to estimate application or rate set date but will be determined by the Client on a case by case basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.2 Points and Fees test [HOEPA (§1026.32(a)(2))]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.3 Review of HOEPA disclosure (§1026.32(c)) for accuracy (i.e. payment stream, highest payment scenario;
dates disclosed, dates acknowledged)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.4 Review and confirm documentation type (i.e. full, stated, no ratio)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.5 Review for evidence of prepayment penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.5.6 Verification of Debt to Income conformity, when necessary.

HOEPA (Section 32) loan coverage has been expanded to include purchase-money mortgages and open-end credit plans (i.e., home equity lines of credit or HELOCS), as well as the amendment of rate and points and fees threshold testing. Consultant system requirements have been updated to address the expansion of coverage as well as amendments to threshold testing. In addition, there is a homeownership counseling requirement to be verified for all covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.6** **RESPA/Regulation X (Loans with an Application Date prior to 10/03/2015):** 

Each mortgage loan will be reviewed to ensure compliance with the January 1, 2010, or most current amendments to Regulation X. The RESPA/Regulation X review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.1 Good Faith Estimate (GFE):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.2 Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage
Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.3 Confirm the presence of the current GFE form in effect at the time of origination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.4 Verify the GFE was provided to the borrower(s) within three days of "Application".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5 Application shall be defined by Regulation X and generally be considered complete when the following seven
conditions are met:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.1 Borrower(s) First and Last Name

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.2 Borrower(s) Social Security Number (to enable the loan originator to obtain a credit report)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.3 Subject Property Address (including "To Be Determined")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.4 Mortgage Loan Amount Sought

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.5 Estimation of Property Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.6 Monthly Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.5.7 Any other requirement as defined in the lender's policies and procedures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.6 Consultant will verify that all Broker fees, including Yield Spread Premium ("YSP") were accurately
disclosed and reflected in the appropriate locations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.7 Fees will be reviewed to ensure they are reasonable and customary fees for the lender and title and escrow
companies and that those fees were accurately disclosed on the GFE and were reflected in the proper location on the document.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.8 Analysis to determine whether a Changed Circumstance form is required to accompany each revised Good Faith
Estimate (GFE)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9 Change of Circumstance Definition:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.1 Acts of God, war, disaster or other emergency;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.2 Information particular to borrower or transaction that was relied on in providing the GFE and that changes
or is found to be inaccurate after GFE has been provided to borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.3 New information particular to the borrower or transaction that was not relied on in providing the GFE;
or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.4 Other circumstances that are particular to borrower or transaction, including boundary disputes, need
for flood insurance or environmental problems

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.5 In the event any of the above occurs, the loan originator is required to provide a new revised GFE to
the borrower within 3 business days of receiving information sufficient to establish "changed circumstances" and document
the reason the revised GFE was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.9.6 Rate Locks: If the rate has not been locked by the borrower or a locked rate has expired, the charge or
credit for rate chosen, adjusted origination charges, per diem interest and loan terms related to the rate may change. If borrower later
locks the rate, a new GFE must be provided showing the revised rate-dependent charges and terms. All other charges and terms must remain
the same as on the original GFE, except as otherwise provided above for "changed circumstances."

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.10 Final HUD-1: Consultant will confirm compliance with current RESPA requirements in effect at origination of the Mortgage Loan
including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.10.1 Confirm the presence of the current applicable Final HUD-1 form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.10.2 Confirm the Final HUD-1 accurately lists all broker and YSP fees.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11 Good Faith Estimate (GFE) and Final HUD-1 Analysis: Confirm compliance with current RESPA requirements
in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.1 Analysis of Origination fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s)
on the Final HUD-1 (no variance) - No variance for the following charges:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.1.1 Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.1.2 Credit or Charge for Interest Rate Chosen

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.1.3 Adjusted Origination Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.1.4 Transfer Taxes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.2 Analysis of Third-Party fees disclosed on the Good Faith Estimate (GFE) and those charged to the borrower(s)
on the Final HUD-1 (10% tolerance) - 10% tolerance between GFE and actual charges at settlement for sum of following services:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.2.1 Lender-required settlement services (lender selects third-party provider);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.2.2 Lender-required services, title services and required title insurance, and owner's title insurance,
when the borrower uses a settlement service provider identified by the loan originator; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.11.2.3 Government recording charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.12 Analysis to confirm all fees are accurately reflected in the correct tolerance category on the Good Faith
Estimate (GFE) and Final HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.13 Analysis to confirm lender accurately provided borrower adequate restitution in the event of tolerance
violations and timelines for restitution/document correction were adhered to

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.14 Analysis to confirm loan terms are accurately disclosed between the Good Faith Estimate (GFE) and Final

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.6.15 Analysis to confirm page 3 of the HUD-1 accurately reflects fees disclosed on the Good Faith Estimate
(GFE) and Final HUD-1

**QM / ATR (QUALIFIED MORTGAGE / ABILITY TO REPAY) DODD FRANK REVIEW (LOANS WITH APPLICATION DATE ON OR AFTER 01/10/2014) Covers Legacy QM Rules (applications on or after 01/10/2014) – elective compliance date of Revised QM Rules (applications on or after 3/1/2021) and mandatory of Revised QM Rules (applications on or after 10/1/2022)**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7** **QM / ATR (Qualified Mortgage / Ability to Repay)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.1 Ability to Repay**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant will incorporate checkpoints for the ATR's eight verification steps for any origination
QC work. Consultant has the option to run ATR checks on any transactions subject to QM that falls outside the ability to meet QM guidelines,
whether due to coverage exceptions or due to failing QM criteria. Thus, any transaction that is being tested for QM will also have the
ability to be screened for ATR if the QM testing fails or the loan is exempt from QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Consultant is required to verify all information within the scope of the eight verification steps before
an ATR loan can pass. These eight tests include verifications of any amounts used in the loan consideration and a page(s) reference to
the third-party records/documentation/images

o Income and Assets

o Current Employment Status

o Monthly qualifying payments for the proposed loan

o Monthly payment on any simultaneous loans

o Monthly payment for mortgage related obligations for the proposed loans

o Debts, alimony and child support

o Qualifying monthly DTI and/or residual income

o Credit History

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If all of the verifications are made and each of the eight topic areas is confirmed to agree with the
representations made by the lender, and there are no credit exceptions to the lender's guidelines, the loan will pass the ATR test.
If any of the conditions fail or the loan lacks the documentation to support the stated values in any of the areas, affected items will
not be considered verified and the loan will be subject to failing the ATR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· ATR results will be reported as ATR-Pass. ATR-Fail and ATR-Exempt. This is in addition to existing credit
and compliance related reporting by the Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.2 <u>Qualified Mortgage</u>**

Consultant's scope includes review of all available QM types:

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Legacy QM (for applications taken on or after January 10, 2014 until September 30, 2022);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Revised QM (for applications taken on or after March 1, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM (for applications taken on or after January 10, 2014 until
June 30, 2021);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Agency QM with APOR (for applications taken on or after July 1,
2021); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Government QM (for applications taken on or after January 10, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.3 <u>Generally Applicable Factor</u>**

The following factors are reviewed for Legacy, Revised and Agency QM categories:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **REGULAR PAYMENTS**. Provides for regular periodic payments that are substantially equal, except for the effect of certain interest
rate changes for adjustable or step rates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **TERM**. Loan term does not exceed 30 years.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **POINTS AND FEES.** Points and fees do not exceed the applicable threshold for the appropriate loan amount.

<u>QM Rules Points and Fees Testing.</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(A) Points and fees include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Finance charges, unless excluded;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The portion of upfront private mortgage insurance that exceeds
FHA premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan originator compensation – Compensation/YSP known at
the time of the consummation will be included but Consultant does not review lender or broker compensation programs as part of its QM
testing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Real estate-related fees if the creditor receives direct or indirect
compensation in connection with the fee or charge, the fee or charge is paid to a creditor affiliate or the fee or charge is not reasonable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Premiums for credit insurance, credit property insurance, and
other insurances where the creditor is the beneficiary, debt cancellation or suspension coverage payments;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Maximum prepayment penalty; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Prepayment penalty paid in a refinance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(B) Points and fees exclude:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Interest;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Bona fide third-party charges not retained by the creditor;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Government mortgage insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Private mortgage insurance premiums up to an amount equal to
government insurance premiums;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Up to two bona fide discount points if the interest before the
discount does not exceed APOR by 1% based on a calculation that is consistent with established industry practices for determining the
amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer;
if no discount points excluded up to one bona fide discount point if the loan's interest rate before the discount does not exceed
APOR 2%; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Sellers points

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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;(C) A loan is a QM loan if the points and fees do not exceed (values marked with "\*" are indexed for inflation):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 3 percent of the total loan amount for a loan greater than or
equal to $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o $3,000\* for a loan greater than or equal to $60,000\* but less
than $100,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 5 percent of the total loan amount for a loan greater than or
equal to $20,000\* but less than $60,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o $1,000\* for a loan greater than or equal to $12,500\* but less
than $20,000;\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 8 percent of the total loan amount for a loan less than $12,500\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.4** **Legacy QM** 

In addition to the Generally Applicable Factors above, all Legacy QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Monthly Payment.** The amount of the monthly payment on the loan is calculated using the maximum
rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Appendix Q.** Considers and verifies income, assets, employment, and debts in accordance with Appendix
Q. &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **DTI.** The DTI ratio of total monthly debt to total monthly income does not exceed 43 percent.

**Verified**. Only verified amounts will be included in the QM debt-to-income test - verified income and assets, loan and simultaneous loan payments, insurance, taxes and HOA, alimony, child support and open debts. The calculated value will be the verified debts divided by the verified income represented as a ratio, with amounts less than or equal to 43.00% passing, and anything above 43.00% failing. Failing this test also results in returning an overall QM status of Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5** **Revised QM** 

In addition to the Generally Applicable Factors above, all Revised QM loans must meet the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.1 Monthly Payment.**

The amount of the monthly payment on the loan is calculated using the maximum rate that may apply during the first five years and considers the monthly payment for simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.5.2 Consider and Verify.**

The creditor considers and verifies the consumer's current or expected income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· As part of the "consider" requirement, Consultant will review the (i) creditor's policies
and procedures provided by Client, as well as any exceptions thereto, for how the creditor takes into account the underwriting factors
enumerated above, and (ii) the documentation retained by creditor, such as an underwriting worksheet or a final automated underwriting
system certification, showing how the creditor took these factors into account in its ability-to-repay determination.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· **Consider and Verify Safe Harbor.** Creditor is deemed to have complied with this "verify"
requirement if it complies with the verification standards in one or more of these following agency manuals:

<br> - Chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

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

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

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

- 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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For purposes of compliance with verified safe harbor, a creditor must comply with only those provisions in the manuals that require
creditors to verify income, assets, debt obligations, alimony and child support using specified documents or to classify and count particular
inflows, property, and obligations as income, assets, debt obligations, alimony, and child support,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Revised versions of manuals. A creditor also complies with the verified safe harbor where is complies
with revised versions of the manuals listed above provided that the two versions are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· The Revised QM Rule permits the creditor to "mix and match" verification standards from different
agency manuals. Consultant will test the creditor's "verification" of third- party records in instances when the creditor
either uses (i) its own procedures or alternatively, (ii) the verification standards of one or more of the agency handbooks listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note: the creditor (or client, as the case may be,) must provide written policies and procedures and related
documentation such as underwriter worksheets in order for Consultant to review loans under the Revised QM Rules, and in particular, with
regard to the "consider" and "verify" requirements. Further, if the creditor (or client, as the case may be) intends
to use the verification safe harbor, its written policies and procedures must specify the precise agency handbook(s) that it is relying
on with specific references to the particular provisions addressing income, assets, debt obligations, alimony and child support using
specified documents or to classify and count particular inflows, property, and obligations as income, assets, debt obligations, alimony,
and child support – as well as the specific dates(s) of the agency handbook(s) issuance, publication or revision. In addition, Consultant
is not responsible for determining whether revised versions of the manuals listed above are "substantially similar" for purposes
of the verification safe harbor; such a determination of the sole responsibility of the creditor (or client, as the case may be).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Note: due to the inherent subjectivity of the foregoing "consider" and "verify"
requirements, Consultant will review the creditor's (or client's, as the case may be) (i) policies and procedures and worksheets
and (ii) methods and criteria for verification of income and assets (regardless of whether the "safe harbor" is utilized)
for content only, and will not opine whether such policies and procedures, worksheets and verification methods and criteria themselves
comply with applicable

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law, and cannot guarantee that a court, governmental regulator, rating agency or another third party diligence provider would reach the same conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APOR. The APR on the loan does not exceed the threshold for the loan amount (values marked with "\*"
are indexed for inflation):

For a first-lien loan with a loan amount greater than or equal to $110,260,\* 2.25% or more percentage points;

For a first-lien loan with a loan amount greater than or equal to $66,156\* but less than $110,260\*, 3.5% or more;

For a first lien loan with a loan amount less than $66,156,\* 6.5 or more percentage points;

For a subordinate-lien loan with a loan amount great than or equal to $66,156\*, 3.5 or more percentage points; and

For a subordinate-lien loan with a loan amount less than $66,156\*, 6.5 or more percentage points.

Short Term ARMs. The APR used on short term ARMs of five years or less uses the maximum rate in the first five years for the entire term of the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.6** **Agency QM/ Temporary Qualified Mortgage (TQM) covered by the GSE Patch** 

In addition to the Generally Applicable Factors above, all Agency QM loans must be eligible for sale to Fannie Mae or Freddie Mac. The selling guides for the agencies include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

**Agency QM with APOR/ General Qualified Mortgage (QM) testing**

Meets the test for "Agency QM" and the APOR test applicable for Revised QM.

**Government QM/ General Qualified Mortgage (QM) testing**

A Government QM is defined as a qualified mortgage by the U.S. Department of Housing and Urban Development under 24 CFR 201.7 and 24 CFR 203.19, the U.S. Department of Veterans Affairs under 38 CFR 36.4300 and 38 CFR 36.4500, or the U.S. Department of Agriculture under 7 CFR 3555.109. The guidelines include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• LTV / CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• DTI – using the same calculation guidelines as QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit Score

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Loan Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Maximum Cash Out

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Disposable Income

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.7** **Safe Harbor for Revised QM Rules** 

For first-lien transactions, a loan receives a conclusive presumption that the consumer had the ability to repay (and hence receives the "safe harbor" presumption of QM compliance) if the APR does not exceed the APOR for a comparable transaction by 1.5 percentage points or more as of the date the interest rate is set. A first-lien loan receives a "rebuttable presumption" that the consumer had the ability to repay if the APR exceeds the APOR for a comparable transaction by 1.5 percentage points or more but by less than 2.25 percentage points. There are higher thresholds for loans with smaller loan amounts, for subordinate-lien transactions, and for certain manufactured housing loans—all of which will be tested by Consultant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.8 QM/ATR Reporting (Covers both Legacy and Revised QM Rules as Applicable)**

For QM/TQM testing, the results of the debt-to-income test (QM) or guideline review (TQM) and the Points and Fees test will result in the following available compliance conditions as requested by the rating agencies:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / Non-HPML [QM or TQM – Pass / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• QM/TQM-ATR Pass / HPML [QM or TQM – Pass / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / Non-HPML [QM or TQM – Fail / HPML – No]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• ATR Fail / HPML [QM or TQM - Fail / HPML – Yes]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Compliant [NonQM or TQM Loan, Exempt / ATR – Compliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NonQM / Noncompliant [NonQM or TQM Loan, Exempt / ATR –Noncompliant]

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Not Covered – / Exempt [QM or TQM – Exempt / ATR – Exempt]

For Revised QM Rules testing, the following results will be provided to establish Verified Safe Harbor designation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• VSH Confirmed [Verified Safe Harbor}

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• NVSH Confirmed [Not Verified Safe Harbor]

As with ATR testing, these QM results are in addition to the existing credit and compliance related reporting currently performed by Consultant. Customized reporting is available based on mutual agreement on individual Customer needs.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.7.9 For Legacy and Revised QM Rules**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Current testing for Higher Priced Covered Transactions will be performed using one of two formulas, normal
QM and FHA TQM. For QM, a loan will be considered a Higher Priced Covered Transaction if the APR exceeds the Average Prime Offer Rate
by 1.50% or more percentage points on conforming First Liens and 3.50% or more percentage points on Second Liens. For FHA TQM, the formula
is modified to be the Average Prime Offer Rate plus 1.15%, plus the monthly MI premium factor

Capitalized terms used herein, unless defined where used, shall have the meanings ascribed to such terms in the SOW. This constitutes the entire agreement and understanding between the Parties with respect to amending the SOW. Except as expressly set forth in this Amendment, the terms and conditions of the SOW are hereby ratified, confirmed and approved in their entirety and shall continue in full force and

Opus Privileged and Confidential Public Page 13

effect, enforceable in accordance therewith and shall govern this Amendment. This Amendment may be executed in one or more counterparts, including facsimile counterparts, each of which, when so executed, shall be deemed an original and all of which, together, shall constitute one and the same instrument.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.8** Additional Disclosures and Requirements:

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1 Servicing Transfer Disclosure (for applications prior to 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1.1 Confirm the presence of the Servicing Transfer Disclosure form in
file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.1.2 Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2 Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2.1 Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.2.2 Confirm the Home Loan Tool Kit is provided within three general business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3 Affiliated Business Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.1 Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.2 Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third-party services)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.3.3 Confirm the Affiliated Business Disclosure is executed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4 Initial Escrow Disclosure Statement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4.1 Confirm the presence of the Initial Escrow Disclosure Statement in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.8.4.2 Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.9** **National Flood Insurance Program (NFIP)** 

 

Each mortgage loan will be reviewed to ensure adherence to flood insurance coverage requirements as outlined under the NFIP, including identification of flood zones and subsequent policy documentation for evidence of adequate coverage amounts.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.10** **Homeowner's Flood Affordability Act (HFIAA)** 

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured

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by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.1 Frequency – Payable with same frequency as payments designated for the loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2 Exceptions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.1 Loan is an extension of credit primarily for business, commercial or agricultural purposes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.2 Loan is in a subordinate position to a senior lien secured by the same residential improved real estate
or mobile for which the borrower has obtained flood insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3 Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.1 Meets requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.2 Provided by a condominium association, cooperative or other applicable group and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.10.2.3.3 The premium for which is paid by the condominium associate, cooperative, homeowners association, or other
group as a common expense.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.11** **Equal Credit Opportunity Act (Regulation B)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.11.1 Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals
within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12
CFR § 1026.27(m)(1).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.11.2 Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations
(as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days
prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/
consummation date (3 day rule plus 3 days mailing time)?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.11.3 For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has
either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver
occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals
and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.12** **Fair Credit Report Act (Regulation V)** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.12.1 Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR
§ 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the
risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval

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decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.12.2 Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan
Applicant (as required by 15 U.S.C. § 1681g) before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.13** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**3.14** **Seasoning and Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. High Cost - State & Local Anti-Predatory Regulations:

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable

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regulations implemented during the Term of this SOW – legal guidance documentation available for detailed discussion, if necessary:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.1** Arkansas Home Loan Protection Act, AR. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.2** California Anti-Predatory Lending Statute, CA. Fin. Code § 4970 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.3** California Higher Priced Mortgage Loan Statute, CA. Fin Code § 4995 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.4** Colorado Consumer Equity Protection Act, CO. Rev. Stat. § 5-3.5-101 et seq. and as amended by Senate
Bill 216 (2007) and House Bill 1322 (2007)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.5** Colorado Consumer Credit Code, CO. Rev. Stat. 5-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.6** Connecticut Abusive Home Loan Lending Practices Act, CT. Stat. Ann. §36a-746 et seq. and the Responsible
Lending and Economic Security Act, CT. House Bill 5577 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.7** Connecticut Nonprime Home Loan Statute, CT. Gen. Stat. §§ 36a-760 et seq. (as originally enacted
and as amended by Senate Bill 949.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.8** District of Columbia Home Loan Protection Act of 2002, D.C. Official Code § 26-1151.01 et seq., as
implemented by 20 D.C. Municipal Reg. § 2000.1 et seq. and DC Mortgage Disclosure Act of 2007.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.9** Florida Fair Lending Act, FL. Stat. Ann. § 494.0078 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.10** Georgia Fair Lending Act, GA. Stat. Ann. § 7-6A-1 et seq. (as originally enacted by House Bill 02-1361
and as modified by Senate Bill 03-53)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.11** Idaho Residential Mortgage Practices Act, ID. Code § 26-3101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.12** Illinois High Risk Home Act, IL. Comp Stat. tit. 815, §§137/5 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.13** Illinois High Risk Home Loan Regulations, 38 IL. Admin. Code § 345.10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.14** Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.15** City of Chicago, Illinois, Anti-Predatory Lending Ordinance, Chicago Municipal Code, §§ 2-32-440;
2-32-455; 2-92-325; 4-4-155; 8-4-325.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.16** Cook County, Illinois, Anti-Predatory Lending Ordinance, Ordinance No. 240864 (2001) as amended by Illinois
SB 1167 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.17** Indiana Home Loan Practices Act, IN. Code § 24-9-1-1 et seq. and as amended by 2005 In. P.L. 141
§ 6 P2013-011.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.18** Kansas Consumer Credit Code, KS. Stat. Ann. § 16a-1-101 et seq. Sections 16a-1-301, 16a-3-207 and
16a-3-308a.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.19** Kentucky Anti-Predatory Lending Statute, KY. Rev. Stat. § 360.100 et seq. and as amended by KY. House
Bill 552 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.20** Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages, 9A ME. Rev. Stat. Ann.
§§ 8-101; 8-103(1); 8-206(8); 8-206A and ME. Legislative Document 1869 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.21** Maryland Commercial Law, MD. Stat. Ann. §§ 12-124.1; 12-127; 12-409.1; 12-1029 and as amended
by MD. Senate Bill 270 (2008) and Maryland Regulations under the MD. Mortgage Lender Law (2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.22** Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the MD. Mortgage Lender Law,
MD. Code Ann., Fin. Instit. Code §§ 11-501 et seq.; MD. Code Regs. §§ 09.03.06.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.23** Massachusetts High Cost Mortgage Regulations, 209 CMR § 32.32 et seq. including MA. House Bill 4387
(2008) 20. MA. Predatory Home Loan Practices Act, M.G.L. Chapter 183(C).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.24** Massachusetts Regulations for Higher Priced Mortgage Loans, 209 MA. Code Regs. §§ 32.00

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.25** Massachusetts "Borrower's Interest" Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.26** Massachusetts Mortgage Lender and Broker Regulations, 940 CMR § 8.00 (15-17).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.27** Michigan Consumer Mortgage Protection Act, MI. Stat. Ann. § 445-1631 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.28** Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et al. (S.F. 2988 (2002) and as
amended by House File 1004 and SF 98 (2007) and SF 3154 and 3214 (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.29** Nebraska Mortgage Bankers Registration and Licensing Act, NE. Stat.§ 45-702 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.30** Nevada Anti-Predatory Lending Law, NV. Rev. Stat. § 598D.010 et seq. and as amended by AB 440 and
492. Opus Privileged and Confidential Public Page 17

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.31** New Jersey Home Ownership Security Act of 2002, NJ. Stat. Ann. § C:46:10B-22 et seq. and as amended
by PL. 2004, Ch. 84 § 1.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.32** New Mexico Home Loan Protection Act, NM. Stat. Ann. § 58-21A-1 et seq. and as amended by Senate Bill
342 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.33** New York High Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.34** New York High Cost Home Loan Act, NY. Bank. L. Ch. 626., as implemented by 3 NYCCR Part 41 (2003) and
as amended by Senate Bill 8143-A (2008). Banking Law Article 6-l (2003) and 6-m (2008).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.35** North Carolina Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-1.1A to 24-10.2 and North Carolina
Amendments to Anti-Predatory Lending Law, NC. Gen. Stat. §§ 24-9; 24-1.1(E)(a); 24-10.2(a) and as amended by House Bill 1817
(2007).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.36** Ohio Anti-Predatory Lending Statute, OH. Rev. Code Ann. §§ 1349.25 to 1349.37and § 1.63
and as amended by S.B. 185.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.37** City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.38** Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.39** Oklahoma Higher –Priced Mortgage Loans Law, OK. Admin. Code §§ 160:45-9-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.40** Pennsylvania Consumer Equity Protection Act, 63 PA. Cons. Stat. Ann. § 456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.41** City of Providence, Rhode Island Predatory Lending Ordinance, Ordinance No. 245, Chapter 2006-33 as amended.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.42** Rhode Island Home Loan Protection Act, Chapter 25.2 of Title 34 of RI. Gen. Laws. §§ 34-25.2-1
et seq., including the Emergency and Final Regulations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.43** South Carolina High-Cost and Consumer Home Loans Act, SC. Code § 37-23-10 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.44** South Carolina Consumer Protection Code, SC. Code 37-1-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.45** Tennessee Home Loan Protection Act, TN. Code Annotated §§ 45-20-101 et seq., Title 47 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.46** Texas High-Cost Home Loan Statute, TX. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.47** Texas Constitution, Section 50(a)(6), Article XVI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.48** Utah Residential Mortgage Practices Amendments, UT. Code Ann. § 61- 2c-102 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.49** Utah High Cost Home Loan Act, UT. Code § 61-2d-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.50** Vermont Interest Act, 9 V.S.A. § 104, implemented by Regulation B-98-2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.51** Virginia Mortgage Lender and Broker Act (for loans originated prior to July 1, 2003), VA. Code Ann. §§
6.1-413; 6.1-422, 6.1-428.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.52** Virginia Mortgage Lender and Broker Act (for loans originated after July 1, 2003), VA. Code Ann. §§
6.1-411; 6.1-422.1, 6.1-425.1; 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.53** Washington House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.54** Wisconsin Responsible High Cost Mortgage Lending Act, WI. Stat. § 428.202.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.55** West Virginia Residential Mortgage Lender, Broker and Servicer Act, WV. Code § 31-17-1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**4.56** Wyoming Credit Code, WY. Stat. Ann. §§ 40-14-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Misrepresentation and Third Party Product Review

Validate that fraud reports and independent third party property valuations reports are in the file. The review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1 Misrepresentation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.1 Signatures

Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.2 Alerts

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Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.3 Social Security Numbers

Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.4 Document Integrity

Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.5 Data Consistency

Review the documents contained in the loan file for consistency of data.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.1.6 Third Party Fraud Tools

To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2 Independent Third Party Values

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.1 For loans seasoned less than 12 months a retroactive desk review will generally be ordered. If the retroactive
desk review supports the origination appraised value within a 10% variance no additional products will be required. If the retroactive
desk review does not support the original appraised value within a 10% variance, a secondary valuation product such as a field review
or drive-by appraisal will be required. If the loan is seasoned more than 12 months generally a BPO can be ordered. The seasoning and
products can be adjusted to meet specific rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2 Consultant will also perform the following steps

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1 Based on review of the original appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.1 Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.2 Value is based on as-is condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.3 Property is described as average or better condition

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.4 No apparent appraiser independence violation 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;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.1.5 Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.2 Appraisal is completed on appropriate GSE Form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.2.1 Appraisal contains required attachments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.2.3 Appraiser was appropriately licensed at the time the appraisal was signed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.3 If the valuation vendor des not supply the updated valuation product directly to the Consultant, the Client
will authorize the valuation vendor to issue an attestation with sufficient information for the Consultant to determine the correct valuation
product was utilized to verify the accuracy of the origination appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4 Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.1 The individuals performing the above procedures are not person providing valuations for the purpose of
the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily

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licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.2 Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that
Opus may have reviewed the valuation information for reasonableness.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.3 Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual
value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.2.4.4 Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or
other lending laws and regulations, and therefore opus will not have and communications with or responsibility to any individual concerning
property valuations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3 Payment History and Servicing Comments

If a loan is seasoned more than 12 months, the Client will provide payment histories and servicing comments for (i) 36 months, or (ii) the time period required by the rating agencies. The Consultant will review the provided payment histories and comments to determine the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.1 – Timely payment posting

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.2 – Request for modification

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.3 – Property condition issues

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.4 – Change in occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.5 – Change in ability to pay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.3.6 – Other items impacting the enforcement of the lien

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**5.4** **Title Reports** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4.1 If the loan is season over 24 months Consultant will facilitate the ordering of title reports. Consultant
and client agree the vendor providing the title reports will be responsible for issuing a separate 15E.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.4.2 Consultant is not responsible for the accuracy of the title reports, nor makes any representations or
warranties with respect to any of the information contained in the title reports.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.5 Updated FICO Scores

If the FICO score contained in the loan file is aged more than 6 months, an updated FICO score will be required

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6 Properties in FEMA declared disaster zones.

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.1 No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5.6.2 Property appears to be occupied

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was no obligor with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Data Compare

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance. Consultant and Client can mutually agree to change the listed fields a review by review basis.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.1** - Appraised Value

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.2** CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.3** DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.4** FICO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.5** Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.6** Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.7** Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.8** Loan Purpose

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.9** LTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.10** Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.11** Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.12** Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.13** Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.14** Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.15** Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.16** Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.17** Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.18** Self Employed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.19** Units

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.20** Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.21** Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**6.22** QM Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Fitch Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Moody's Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Kroll Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Standard & Poor's Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. DBRS Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**12.1** **Opus Credit Grades** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.1.1 Opus Level 1 Credit Grade Definition

Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.1.2 Opus Level 2 Credit Grade Definition

Loan was originated in substantial compliance with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.1.3 Opus Level 3 Credit Grade Definition

Loan was not originated in substantial compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is missing material documentation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**12.2** Opus Property Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.2.1 Opus Level 1 Property Grade Definition

Property value appears to be within 10% of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.2.2 Opus Level 2 Property Grade Definition

Property value appears to be within 10% of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.2.3 Opus Level 3 Property Grade Definition

Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**12.3** Opus Compliance Grades

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.3.1 Opus Level 1 Compliance Grade Definition

Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.3.2 Opus Level 2 Compliance Grade Definition

There are minor issues regarding legal and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12.3.3 Opus Level 3 Compliance Grade Definition

Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

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**<u>Pool Details</u>**

![](ex994s1-002.jpg)

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![](ex994s1-003.jpg)

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**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Junior Lien Balance | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Second Mortgage Lien Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Self Employed | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**1** |  |

---

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**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

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**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not effect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not effect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

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**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated January 9, 2023.

![](ex994s1-004.gif)

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![](ex994s1-005.gif)

![](ex994s1-006.gif)

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![](ex994s1-007.gif)

![](ex994s1-008.gif)

w

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**<u>Loans Reviewed (1 Loan)</u>**

&nbsp;&nbsp;39248235

If you have any questions, please contact Greer Allgood at Greer.Allgood@opuscmc.com

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## Exhibit 99.4

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.4 - Schedule 2**

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| **Customer Loan ID** | **Initial Loan Grade** | **Final Loan Grade** | **Initial DBRS Loan Grade** | **Final DBRS Loan Grade** | **Initial DBRS Credit Loan Grade** | **Final DBRS Credit Loan Grade** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial DBRS Property Loan Grade** | **Final DBRS Property Loan Grade** | **Initial Moody's Loan Grade** | **Final Moody's Loan Grade** | **Initial Moody's Credit Loan Grade** | **Final Moody's Credit Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Moody's Property Loan Grade** | **Final Moody's Property Loan Grade** | **Initial Fitch Loan Grade** | **Final Fitch Loan Grade** | **Initial Fitch Credit Loan Grade** | **Final Fitch Credit Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Fitch Property Loan Grade** | **Final Fitch Property Loan Grade** | **Initial Kroll Loan Grade** | **Final Kroll Loan Grade** | **Initial Kroll Credit Loan Grade** | **Final Kroll Credit Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial Kroll Property Loan Grade** | **Final Kroll Property Loan Grade** | **Initial S&P Loan Grade** | **Final S&P Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Initial S&P Property Loan Grade** | **Final S&P Property Loan Grade** |
| XXXX | XXXX | XXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.4

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.4 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 Amount(s)** | **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 Round 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 Cap (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** | **4506-T Indicator** | **Borrower Income Verification Level** | **Co-Borrower Income Verification** | **Borrower Employment Verification** | **Co-Borrower Employment Verification** | **Borrower Asset Verification** | **Co-Borrower Asset Verification** | **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 %** | **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 I/O 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 Manufacturer's Invoice Price** | **LTI (Loan-to-Invoice) Gross** | **Net Manufacturer's Invoice Price** | **LTI (Net)** | **Manufacturer Name** | **Model Name** | **Down Payment Source** | **Community/Related Party Lender (Y/N)** | **Defined Underwriting Criteria (Y/N)** | **Customer Loan ID** | **Deal #** | **Reviewer Loan ID** |
| XXXX |  |  | 99 | XXXX | UNK | XXXX | 1 | 1 | 0 | 7 |  | 1140.00 | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 |  | 0 |  |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  | 1 | 1 | 0 | XXXX | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  | 3 |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  | XXXX | XXXX | 0 | 5 |  | 3 |  | 4 |  | XXXX | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 1 | 1 | XXXX | XXXX | 3 | XXXX | 0 |  | XXXX | 9 | XXXX |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX |

---

## Exhibit 99.4

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Information** | **Loan Information** | **Loan Information** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** | **Other Updated Values** |  |
| **Customer Loan ID** | **Original Loan Amount** | **Sale Price** | **Appraisal Value** | **Appraisal Date** | **Appraisal Valuation Type** | **Second Appraisal Value** | **Second Appraisal Date** | **Second Appraisal Type** | **Field Review Value** | **Field Review Date** | **Recertification Value** | **Recertification Date** | **Variance Amount** | **Variance Percent** | **Value Used for LTV** | **Estimated Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Model Name** | **Confidence Score** | **FSD Score** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Company** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value** | **Value Date** | **Variance Amount** | **Variance Percent** | **Value Updated** | **Value Date** | **Report Type** | **Variance Amount** | **Variance Percent** | **Collateral Underwriter/Loan Collateral Advisor Risk Score** |
| XXXX | $X,XXX.XX | $X,XXX.XX | $X,XXX.XX | XX/XX/XXXX | URAR Form 1004 |  |  |  |  |  |  |  |  |  | $X,XXX.XX |  |  | $0.00 | 0.00% |  |  |  |  | $X,XXX.XX | XX/XX/XXXX | $X,XXX.XX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |

---

## Exhibit 99.4

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.4 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Channel** | **Rate Lock Date** | **Application Date** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Residual Income** | **Points And Fees** | **Points And Fees Without Reductions** | **APR** | **Qualifying Interest Rate** | **Average Prime Offer Rate** | **GSE Eligibility** | **Originator QM/ATR Status** | **TPR QM/ATR Status** | **QM2.0 VSH Status** | **Non QM Reason** | **TRID** |
| XXXX | Retail | XX/XX/XXXX | XX/XX/XXXX | XXXX |  | XXXX |  | $X,XXX.XX | 1290 | 1290 | XXXX | XXXX | XXXX | No |  | QM-ATR Pass/Non-HPML |  |  | TRID |

---

## Exhibit 99.4

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.4 - Schedule 6**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Data Field** | **Tape Data** | **Review Data** | **Tape Discrepancy Comments** |
| XXXX | DTI | XXXX | XXXX | Incoming Value:XXXX<br> Audit Value: XXXX Audit value matches value on 1008 |
| XXXX | Original Loan Amount | Per Tape | Per Data | Incoming Value: Per Tape<br> Audit Value: Audit Value Pulled From Note |

---

## Exhibit 99.4

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.4 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Category** | **Exception Sub Category** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Loan Attributes** | **Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial DBRS Exception Grade** | **Final DBRS Exception Grade** | **Initial Moodys Exception Grade** | **Final Moodys Exception Grade** | **Initial Fitch Exception Grade** | **Final Fitch Exception Grade** | **Initial Kroll Exception Grade** | **Final Kroll Exception Grade** | **Initial S&P Exception Grade** | **Final S&P Exception Grade** | **Subject to Predatory Lending** | **HUD Category** |

---

## Exhibit 99.5

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.5 - Schedule 1**

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549**

**FORM ABS DUE DILIGENCE-15E**

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

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

Legal Name: **<u>Infinity International Processing Services. Inc. DBA Infinity IPS</u>**

Business Name (if Different):

Principal Business Address: **<u>15310 Amberly Drive, Suite 250 Tampa Florida 33647</u>**

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

Legal Name: **Goldman Sachs Mortgage Company**

Business Name (If Different):

Principal Business Address: **200 West Street, 5<sup>th</sup> Floor, New York, NY 10282**

**Item 3: Credit Rating Criteria** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;Seasoned: U.S. RMBS Seasoned, Re-Performing and Non-Performing Loan Rating Criteria, August 2017; <br> New Origination: U.S. RMBS Ratings Criteria, April 18, 2022 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;Moody's Approach to Rating U.S. Prime RMBS, March 9, 2021 |

---

**CERTIFICATION**

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

Name of the Person Identified in Item 1: **<u>Infinity International Processing Services, Inc. DBA Infinity IPS</u>**

---

| | |
|:---|:---|
| By: | **Chandresh Mehta, Chief Executive Officer** |

---

---

| | |
|:---|:---|
| Signature: | ![](ex995s1001.jpg) |

---

Date: <u> 1/11/2023</u>

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

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

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

The Review population is comprised of two (2) mortgage loans that were originally reviewed on July 2021.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ "Compliance Review": 2 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Credit Review": 2 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Property Review" 2 Mortgage Loans

&nbsp;&nbsp;&nbsp;&nbsp;■ "Data Integrity" 2 Mortgage Loans

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

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

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

For two (2) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

---

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

---

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

Infinity conducted a credit review for two (2) mortgage loans. At that time, Infinity reviewed the asset origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to Infinity and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

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There were 2 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

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

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

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

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

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

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

**Guideline Review:** During the course of the review, Infinity confirmed the mortgage loan was originated in accordance with required guidelines by reviewing conformity of mortgage loan, transaction type, and borrower characteristics to stated guidelines. Mortgage characteristics examined included (i) DTI of the borrower, (ii) the LTV/TLTV/HTLTV, (iii) the credit score for each borrower, (iv) asset reserves of the borrower, (v) property

3 \| P a g e

type, (vi) property usage, and (vii) other property specific items including (a) for condominium or cooperative properties, assessing whether the condominium or cooperative project adheres to required guidelines.

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

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

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

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

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for two (2) mortgage loans. For these two (2) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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

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

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

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

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

Infinity completed a Compliance Review on two (2) mortgage loans. Please be advised that Infinity did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with applicable law and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who agreed to a standardized approach to remediation considerations. This approach is intended to be based on a reasoned legal analysis that expressly assumes that courts will interpret TRID in accordance with the principals of liability set forth in the letter to the MBA from Richard Cordray, the Director of the CFPB. No assurances can be provided that the courts in question will interpret TRID in accordance with the SFIG Compliance Review Scope.)

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

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a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review** 

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

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

**(XI) FIRREA Review** 

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr industry standards, including ensuring the appraisal was complete, that the comparable properties and adjustments were reasonable and that pictures were provided and were accurate.

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

**(XII) Document Review** 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

**Item 5: SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

**OVERALL RESULTS SUMMARY (2 Mortgage Loans)**

Infinity's review to NRSRO grading requirements covers two (2) mortgage loans. Within those mortgage loans, Infinity graded two (2) mortgage loans as "A".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch**<br> **Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch**<br> **Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch** <br> **Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Fitch** <br> **Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Moody's <br> Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Moody's <br> Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

12 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Moody's <br> Grade** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**#** |
| &nbsp;&nbsp;**Moody's <br> Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (2 Mortgage Loans)**

Of the two (2) mortgage loans reviewed, 2 (100.00%) mortgage loans had tape discrepancies across four (4) unique data fields.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Variances** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% # Loans** |
| &nbsp;&nbsp;Borrower DTI Ratio Percent | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Housing Ratio per U/W (Initial Rate) | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Original Stated Rate | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Purpose of Transaction per HUD-1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (2 Mortgage Loans)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of<br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1494400.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1494400.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# <br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1494400.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1494400.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of<br> Original<br> Balance** |
| &nbsp;&nbsp;Construction to Permanent | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$766400.00 | &nbsp;&nbsp;51.28% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$728000.00 | &nbsp;&nbsp;48.72% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1494400.00** | &nbsp;&nbsp;**100.00%** |

---

13 \| P a g e

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original<br> Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$728000.00 | &nbsp;&nbsp;48.72% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$766400.00 | &nbsp;&nbsp;51.28% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1494400.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**#<br> Loans** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Original <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1494400.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1494400.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;F Reliant Bank Prime Jumbo Guidelines - June 8 2020.pdf |
| &nbsp;&nbsp;Reliant Bank Prime Jumbo Guidelines_FREV 01.05.2021.pdf |

---

14 \| P a g e

## Exhibit 99.5

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.5 - Schedule 2**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Number #2** | **GS Loan Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** | **S&P INITIAL Property Grade** | **S&P FINAL Property Grade** |
| xx | xx | xx | xx | xx | xx | Primary | Purchase A D CD CA | RD | RA | VA | VA |
| xx | xx | xx | xx | xx | xx | Primary | Refinance A CA | RA | RA | VA | VA |

---

## Exhibit 99.5

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **GS Loan Number** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Valuation Comments** | **General Comments** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xx | xx | xx | xx | xx | QM/Non-HPML | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | Value is supported by comparables. |  | PUD | xx | xx | xx | Primary | Refinance | xx | 2.5 | xx | 18.5 | xx | Mos Reviewed:28<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | xx |  | Full Documentation | QC Complete | xx |
| xx | xx | xx | xx | xx | QM/Non-HPML | 3 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) ComplianceEase TRID Tolerance Test Failed - EV R<br> COMMENT: The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith<br> tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,700.00) exceed the<br> comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than<br> 10% for a comparison of the data between the provided disclosures.<br> Fee increased with no re-disclosure/COC provided to borrower: Construction Admin Fee $XXXX, Underwriting Fee $XXXX, Credut Report Fee $XXXX, Draw Inspection Fee $XXXX, Fkiid Cert $XXXX increased from initial LE to CD with no re-disclosure/COC provided in file.<br>\*\*\* (CURED) Missing proof of hazard insurance - EV R<br> COMMENT: Missing evidence of Hazard Insurance with Receipt of payment for 1 year Premium. |  |  | Value is supported by comparables. |  | Single Family | xx | xx | xx | Primary | Purchase | xx |  | xx | 3 | xx | Mos Reviewed:12<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | xx |  | Full Documentation | QC Complete | xx |

---

## Exhibit 99.5

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity ID** | **Customer Loan #** | **Seller Loan #** | **GS Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xx | xx | xx | xx | xx | xx | Not Applicable | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1 | 5 |
| xx | xx | xx | xx | xx | xx | xx | xx | xx | xx | 1004 Residential Appraisal |  |  |  |  |  |  | xx | $0.00 | 0.000% | Clear Capital | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | 2 |

---

## Exhibit 99.5

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.5 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Scienna ID** | **Loan Number 1** | **Loan Number 2** | **GS Loan Number** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xx | xx | xx | xx | xx | xx | xx | Purchase | QM/Non-HPML | 3 | 1 | Compliance | Compliance | xx | Resolved | 3 | R | \* ComplianceEase TRID Tolerance Test Failed (Lvl R) | The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith<br> tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,700.00) exceed the<br> comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than<br> 10% for a comparison of the data between the provided disclosures.<br> Fee increased with no re-disclosure/COC provided to borrower: Construction Admin Fee $XXXX, Underwriting Fee $XXXX, Credut Report Fee $XXXX, Draw Inspection Fee $XXXX, Fkiid Cert $XXXX increased from initial LE to CD with no re-disclosure/COC provided in file. | Resolved: Fee calculation worksheet is provided. | Resolved: Fee calculation worksheet is provided. |  |  | QC Complete | xx | xx | xx | xx |
| xx | xx | xx | xx | xx | xx | xx | Purchase | QM/Non-HPML | 3 | 1 | Legal Docs | Doc Issue | xx | Resolved | 3 | R | \* Missing proof of hazard insurance (Lvl R) | Missing evidence of Hazard Insurance with Receipt of payment for 1 year Premium. | Resolved: A copy of hazard insurance is provided. | Resolved: A copy of hazard insurance is provided. |  |  | QC Complete | xx | xx | xx | xx |

---

## Exhibit 99.5

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.5 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ASF Report** | **ASF Report** | **ASF Report** | **ASF Report** | **ASF Report** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **PrimaryServicer** | **ServicingFee-Percentage** | **ServicingFee-Flat-dollar** | **ServicingAdvanceMethodology** | **Originator** | **LoanGroup** | **LoanNumber** | **GS Loan Number** | **AmortizationType** | **LienPosition** | **HELOCIndicator** | **LoanPurpose** | **CashOutAmount** | **TotalOriginationandDiscountPoints($)** | **Covered/HighCostLoanIndicator** | **RelocationLoanIndicator** | **BrokerIndicator** | **Channel** | **EscrowIndicator** | **SeniorLoanAmount(s)** | **LoanTypeofMostSeniorLien** | **HybridPeriodofMostSeniorLien(Mos)** | **NegAmLimitofMostSeniorLien** | **JuniorMortgageBalance** | **OriginationDateofMostSeniorLien** | **OriginationDate** | **OriginalLoanAmount** | **OriginalInterestRate** | **OriginalAmortizationTerm** | **OriginalTermtoMaturity** | **FirstPaymentDateofLoan** | **InterestTypeIndicator** | **OriginalInterestOnlyTerm** | **BuyDownPeriod** | **HELOCDrawPeriod** | **CurrentLoanAmount** | **CurrentInterestRate** | **CurrentPaymentAmountDue** | **InterestPaidThroughDate** | **CurrentPaymentStatus** | **IndexType** | **ARMLook-backDays** | **GrossMargin** | **ARMRoundFlag** | **ARMRoundFactor** | **InitialFixedRatePeriod** | **InitialInterestRateCap(ChangeUp)** | **InitialInterestRateCap(ChangeDown)** | **SubsequentInterestRateResetPeriod** | **SubsequentInterestRate(ChangeDown)** | **SubsequentInterestRateCap(ChangeUp)** | **LifetimeMaximumRate(Ceiling)** | **LifetimeMinimumRate(Floor)** | **NegativeAmortizationLimit** | **InitialNegativeAmortizationRecastPeriod** | **SubsequentNegativeAmortizationRecastPeriod** | **InitialFixedPaymentPeriod** | **SubsequentPaymentResetPeriod** | **InitialPeriodicPaymentCap** | **SubsequentPeriodicPaymentCap** | **InitialMinimumPaymentResetPeriod** | **SubsequentMinimumPaymentResetPeriod** | **OptionARMIndicator** | **OptionsatRecast** | **InitialMinimumPayment** | **CurrentMinimumPayment** | **PrepaymentPenaltyCalculation** | **PrepaymentPenaltyType** | **PrepaymentPenaltyTotalTerm** | **PrepaymentPenaltyHardTerm** | **PrimaryBorrowerID** | **NumberofMortgagedProperties** | **TotalNumberofBorrowers** | **Self-employmentFlag** | **Current'Other'MonthlyPayment** | **LengthofEmployment:Borrower** | **LengthofEmployment:Co-Borrower** | **YearsinHome** | **FICOModelUsed** | **MostRecentFICODate** | **PrimaryWageEarnerOriginalFICO:Equifax** | **PrimaryWageEarnerOriginalFICO:Experian** | **PrimaryWageEarnerOriginalFICO:TransUnion** | **SecondaryWageEarnerOriginalFICO:Equifax** | **SecondaryWageEarnerOriginalFICO:Experian** | **SecondaryWageEarnerOriginalFICO:TransUnion** | **MostRecentPrimaryBorrowerFICO** | **MostRecentCo-BorrowerFICO** | **MostRecentFICOMethod** | **VantageScore:PrimaryBorrower** | **VantageScore:Co-Borrower** | **MostRecentVantageScoreMethod** | **VantageScoreDate** | **CreditReport:LongestTradeLine** | **CreditReport:MaximumTradeLine** | **CreditReport:NumberofTradeLines** | **CreditLineUsageRatio** | **MostRecent12-monthPayHistory** | **MonthsBankruptcy** | **MonthsForeclosure** | **PrimaryBorrowerWageIncome** | **Co-BorrowerWageIncome** | **PrimaryBorrowerOtherIncome** | **Co-BorrowerOtherIncome** | **AllBorrowerWageIncome** | **AllBorrowerTotalIncome** | **4506-TIndicator** | **BorrowerIncomeVerificationLevel** | **Co-BorrowerIncomeVerification** | **BorrowerEmploymentVerification** | **Co-BorrowerEmploymentVerification** | **BorrowerAssetVerification** | **Co-BorrowerAssetVerification** | **Liquid/CashReserves** | **MonthlyDebtAllBorrowers** | **OriginatorDTI** | **FullyIndexedRate** | **QualificationMethod** | **PercentageofDownPaymentfromBorrowerOwnFunds** | **City** | **State** | **PostalCode** | **PropertyType** | **Occupancy** | **SalesPrice** | **OriginalAppraisedPropertyValue** | **OriginalPropertyValuationType** | **OriginalPropertyValuationDate** | **OriginalAVMModelName** | **OriginalAVMConfidenceScore** | **MostRecentPropertyValue** | **MostRecentPropertyValuationType** | **MostRecentPropertyValuationDate** | **MostRecentAVMModelName** | **MostRecentAVMConfidenceScore** | **OriginalCLTV** | **OriginalLTV** | **OriginalPledgedAssets** | **MortgageInsuranceCompanyName** | **MortgageInsurancePercent** | **MI:LenderorBorrowerPaid?** | **PoolInsuranceCo.Name** | **PoolInsuranceStopLoss%** | **MICertificateNumber** | **UpdatedDTI(Front-end)** | **UpdatedDTI(Back-end)** | **ModificationEffectivePaymentDate** | **TotalCapitalizedAmount** | **TotalDeferredAmount** | **Pre-ModificationInterest(Note)Rate** | **Pre-ModificationP&IPayment** | **Pre-ModificationInitialInterestRateChangeDownwardCap** | **Pre-ModificationSubsequentInterestRateCap** | **Pre-ModificationNextInterestRateChangeDate** | **Pre-ModificationI/OTerm** | **ForgivenPrincipalAmount** | **ForgivenInterestAmount** | **NumberofModifications** | **RealEstateInterest** | **ModelName** | **DownPaymentSource** | **Community/RelatedPartyLender(Y/N)** | **DefinedUnderwritingCriteria(Y/N)** | **ChattelIndicator** | **CommunityOwnershipStructure** | **YearofManufacture** | **HUDCodeComplianceIndicator(Y/N)** | **GrossManufacturer'sInvoicePrice** | **LTI(Loan-to-Invoice)Gross** | **NetManufacturer'sInvoicePrice** | **LTI(Net)** | **ManufacturerName** |
| xx |  |  |  | xx | UNK | xx | xx | 1 | 1 | 0 | 9 |  | xx | 0 | 0 | 0 | 1 | 4 |  |  |  |  |  |  | xx | xx | xx | xx | xx | xx | 2 | 0 | 0 |  | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 2 | 1 | 1 | xx | xx |  | 2.5 | 1 | xx | xx | xx | xx |  |  |  | xx |  | 3 |  |  |  |  | xx | xx | xx | xx |  |  |  | xx |  | xx |  | xx | xx | 1 | 5 |  | 3 |  | 4 |  | xx | xx | xx |  | 1 |  | xx | xx | xx | 7 | 1 |  | xx | 3 | xx |  |  | xx | 9 | xx |  |  | xx | xx | 0.00000 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xx |  |  |  | xx | UNK | xx | xx | 1 | 1 | 0 | 10 |  | xx | 0 | 0 | 0 | 3 | 0 |  |  |  |  |  |  | xx | xx | xx | xx | xx | xx | 2 | 0 | 0 |  | xx | xx | xx | xx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx | 1 | 2 | 0 | xx | xx | xx |  | 1 | xx | xx | xx | xx | xx | xx | xx | xx | xx | 3 |  |  |  |  | xx | xx | xx | xx |  |  |  | xx | xx | xx | xx | xx | xx | 1 | 5 | 5 | 3 | 3 | 4 | 4 | xx | xx | xx |  | 1 | xx | xx | xx | xx | 1 | 1 | xx | xx | 3 | xx | 0 |  | xx | 9 | xx | 0 |  | xx | xx | 0.00000 | 0 |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.5 - Schedule 7**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** | **Tape Discrepancies** |  |  |  |  |  |  |
| **Scienna Id** | **Loan #1** | **Loan #2** | **GS Loan Number** | **Field** | **Loan Value** | **Tape Value** | **Variance %** | **Comment** | **Tape Source** | **Tape Type** |
| xx | xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | Total subject property PITIA (P&I $XX + Real Estate Taxes $XX + Hazard Insurance $XX + Flood Insurance $XX + MI $XX + HOA Dues $XX) equals $XX and monthly other debts equals $XX. Total verified monthly income equals $XX. Borrower DTI ratio equals XX%. | Initial |  |
| xx | xx | xx | xx | Borrower DTI Ratio Percent | xx | xx | xx | Total subject property PITIA (P&I $XX + Real Estate Taxes $XX + Hazard Insurance $XX + Flood Insurance $XX + MI $XX + HOA Dues $XX) equals $XX and monthly other debts equals $XX. Total verified monthly income equals $XX. Borrower DTI ratio equals XX%. | Initial |  |
| xx | xx | xx | xx | Housing Ratio per U/W (Initial Rate) | xx | xx | xx | Total subject property PITIA (P&I $XX + Real Estate Taxes $XX + Hazard Insurance $XX + Flood Insurance $XX + MI $XX + HOA Dues $XX) equals $XX. Total verified monthly income equals $XX. Housing Ratio equals XX%. | Initial |  |
| xx | xx | xx | xx | Original Stated Rate | xx | xx | xx | The Note dated xx reflects Original stated rate as XX%. | Initial |  |
| xx | xx | xx | xx | Purpose of Transaction per HUD-1 | Purchase | Refinance |  | The Final CD reflects Purpose of Transaction as Purchase. | Initial |  |

---

## Exhibit 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 1**

![](ex996s1001.jpg)

**January 10, 2023**<br> **Due Diligence Narrative Report**<br>

![](ex996s1002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **2** |
| &nbsp;&nbsp;&nbsp;*Sampling* | *2* |
| &nbsp;&nbsp;&nbsp;*Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *3* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 4 |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *6* |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *6* |
| **Data Compare Results** | **6** |
| **Clayton Due Diligence Results** | **7** |
| **Clayton Third Party Reports Delivered** | **8** |
| **Appendix A: Credit Review Scope** | **9** |
| **Appendix B: Origination Appraisal Assessment** | **12** |
| **Appendix C: Regulatory Compliance Review Scope** | **15** |

---

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 1 January 10, 2023

![](ex996s1002.jpg)

&nbsp;&nbsp;CLAYTON CONTACT INFORMATION

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex996s1003.jpg) | **Ralph Fox** | Client Service Manager |

---

Phone: (813) 371-0281/E-mail: <u>rfox@clayton.com</u>

---

| | | |
|:---|:---|:---|
| ![](ex996s1003.jpg) | **Joe Ozment** | Director of Securitization |

---

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

&nbsp;&nbsp;**OVERVIEW**

On behalf of LoanDepot, Clayton conducted an independent third-party pre-securitization due diligence review of 2 loans selected for the GSMBS 2023-PJ1 transaction. The loans referenced in this narrative report were reviewed on a flow basis in January 2022 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the origination channel, the scope of work performed by Clayton, and the results of Clayton's review.

Goldman Sachs Mortgage Company purchased 2 of these loans on a Reliance Letter.

&nbsp;&nbsp;**ORIGINATORS**

Origination channels for the loans in the full file review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Channel** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |

---

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

The scope of work for 2 loans in 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

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 2 January 10, 2023

![](ex996s1002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sampling

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

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp;***Loan Count<br> Reviewed by <br> Clayton*** | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;2 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan <br> Population** | &nbsp;&nbsp;2 |  |

---

Sponsor Acquisition Criteria

The loans were originated to Guidelines and Clayton reviewed the loans to the following guides:

---

| |
|:---|
| &nbsp;&nbsp;**Primary Guideline** |
| &nbsp;&nbsp;loanDepot/JumboAdvExpress Guides 7/19/2021 |

---

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, Kroll, Morningstar and DBRS.

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. This pool of loans reviewed included owner occupied loans.

Credit Review

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

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

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 3 January 10, 2023

![](ex996s1002.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ A
 NMLS search was run within our priority due diligence system. (Nationwide Mortgage Licensing
 System and Registry ("NMLS"))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Review
 1003/Application/Declarations and other documentation in the file to support occupancy
 is for investment purposes.

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Original
 Appraisal Assessment

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Value
 Supported Analysis

Clayton applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product. A Desk Review, AVM or a 2<sup>nd</sup> full origination appraisal was used to reconcile the original appraisal within a 10% variance. If the CU score was 2.5 or less then a secondary product was not ordered.

Regulatory Compliance Review

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

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

- 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;

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 4 January 10, 2023

![](ex996s1002.jpg)

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.

○ 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;&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") firms role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

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

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 applicable loans in this transaction.

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

Non-Owner Occupied Scope: Most consumer protection laws are designed to afford protection to borrowers who are entering into a loan that will be secured by their residence. For most high cost and higher-priced laws, as well as rescission, the only loans covered by the law are loans secured by the borrower's (or in the case of rescission a title holder's) principal residence. Most other consumer protection laws extend to a borrower's secondary residence, which under TILA and RESPA is a residence that they occupy at least 2 weeks during the year. Further, if the loan is for a business purpose it is

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 5 January 10, 2023

![](ex996s1002.jpg)

often excluded from consumer protection laws regardless of occupancy, including TILA (whereas if it is secured by non-owner occupied but for a personal, family or household purpose it is more likely to be covered).

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

State and Federal High Cost and Higher-Priced:

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

● Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

● Sufficiency of coverage

● Escrow of insurance payments

Data Capture

Clayton collected data fields required to create the American Securitization Forum ("ASF") file. 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

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 6 January 10, 2023

![](ex996s1002.jpg)

&nbsp;&nbsp;**DATA COMPARE RESULTS**

Clayton provided Goldman Sachs 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. Please note that all tapes may not have had all fields listed as tapes were submitted from various parties.

Summary of data compare results**:**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Borrower 1 First Time Home Buyer | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Months Reserves | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total Monthly Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;0.00% |

---

&nbsp;&nbsp;**CLAYTON DUE DILIGENCE RESULTS**

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

**Initial and Final Overall Loan Grade Results** 

<u>Flow Loan Pool (2 loans)</u>

![](ex996s1004.jpg)

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.

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 7 January 10, 2023

![](ex996s1002.jpg)

**Initial and Final Credit Component Grade Results**![](ex996s1005.jpg)

**Initial and Final Property Valuation Grade Results**![](ex996s1006.jpg)

**Initial and Final Regulatory Compliance Grade Results**![](ex996s1007.jpg)

&nbsp;&nbsp;**CLAYTON THIRD PARTY REPORTS DELIVERED**

Clayton furnished the following reports on this transaction:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Loan
 Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Waived
 Conditions Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Valuations
 Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Attestation
 Forms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. ASF
 Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Rating
 Agency ATR/QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Non
 ATR/QM

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 8 January 10, 2023

![](ex996s1002.jpg)

&nbsp;&nbsp;**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:

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

- Citizenship status

- Non- occupant co-borrower

○ Transaction eligibility, including:

- Maximum loan amount

- Loan purpose

- Occupancy

○ 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:

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

○ 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

○ Income review included:

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

- Documents did not appear to have been altered or inconsistent

- IRS Form 4506-T

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Signed
 by all borrowers and processed by the originator where applicable and in accordance with
 Sponsor Acquisition Criteria

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 9 January 10, 2023

![](ex996s1002.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Paystubs

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ W-2s

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ 1099

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ IRS
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Bank
 statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Lease
 agreements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Award
 letters

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

○ 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

○ 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

○ 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

○ 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

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- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

- Confirmed that any required insurance was for the:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 borrower

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 property

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Correct
 loan number

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

Confirmed that any required insurance minimum coverage amount and policy period

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

- Confirmed that the mortgagee clause listed the 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

○ 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:

○ Borrower identity

- Social Security inconsistencies

- Borrower name variations

○ Occupancy

- Borrower address history

- Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

- Mortgage lender/originator

- Loan officer

○ OFAC

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 11 January 10, 2023

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&nbsp;&nbsp;**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:

○ 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

○ 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:

○ Title XI of FIRREA:

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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.

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

○ 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:

○ 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.

○ 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

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

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

- Property usage was reviewed for zoning compliance

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

- Neighborhood values were reviewed to determine if declining

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Predominant
 occupancy

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

- Style of property was reviewed to determine if unique property

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

- Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

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○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

○ 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

○ 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.

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

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

○ 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.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

G. Desk
 Review definitions

○ 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.

○ 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.

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 14 January 10, 2023

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&nbsp;&nbsp;**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:

○ 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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ 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

○ 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

○ 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.

○ 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

○ 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:

○ 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.

○ 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)

○ 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)

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

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

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

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

○ 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)

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○ 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.

○ 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") firms role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

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

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

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

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

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

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

---

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

---

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

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

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 16 January 10, 2023

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---

| | | |
|:---|:---|:---|
| **State/Local High Cost** | **State/Local High Cost** | **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) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp;Ohio, including <br> Cleveland Heights ordinance |  |
| 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:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

Several states have laws that neither create a separate class of high cost or higher-priced 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:

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 17 January 10, 2023

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---

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

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2022 Clayton Services LLC. All rights reserved.

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 19 January 10, 2023

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

GSMBS 2023-PJ1 Due Diligence Narrative Report Page \| 20 January 10, 2023

## Exhibit 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** | **Covered/High Cost Loan Indicator** | **Relocation Loan Indicator** | **Broker Indicator** | **Channel** | **Escrow Indicator** | **Senior Loan Amount** | **Loan Type of Most Senior Lien** | **Hybrid Period of Most Senior Lien** | **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 Round 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 Cap (Change Up)** | **Lifetime Maximum Rate** | **Lifetime Minimum Rate** | **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** | **Vantage Score: Primary Borrower** | **Vantage Score: Co-borrower** | **Most Recent Vantage Score Method** | **Vantage Score 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 on Subject** | **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** | **4506-T Indicator** | **Borrower Income Verification Level** | **Co-borrower Income Verification** | **Borrower Employment Verification** | **Co-borrower Employment Verification** | **Borrower Asset Verification** | **Co-borrower Asset Verification** | **Liquid / Cash Reserves** | **Monthly Debt All Borrowers** | **Fully Indexed Rate** | **Qualification Method** | **Percentage of Down Payment from borrower own funds** | **City** | **State** | **Postal Code** | **Property Type** | **Occupancy** | **Sale 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 FSD** | **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 %** | **MI Certification 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 I/O 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 Manufacturer's Invoice Price** | **LTI (Loan to Invoice) Gross** | **Net Manufacturer's Invoice Price** | **LTI (Net)** | **Manufacturer's Name** | **Model Name** | **Down Payment Source** | **Community/Related Party Lender (Y/N)** | **Defined Underwriting Criteria (Y/N)** | **Chattel Indicator** | **Clayton Initial DTI** | **Originator DTI** | **ATR/QM Status** | **Violates Qualified Mortgage Threshold?** | **Lender's QM Method** | **Non-QM Program** | **QM Guidelines** | **QM DTI** | **ATR DTI** | **Site Condo?** | **HCLTV** | **HELOC High Combined Loan Amount** | **Covered / High Cost / Home Loan Detail** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 2 Guarantor** | **Borrower 3 Guarantor** | **Borrower 4 Guarantor** |
| XXXX |  |  | 99 | XXXX | UNK | XXXX | 1 | 1 | 0 | 1 | XXXX |  | 0 | 0 | 0 | 1 | 0 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  | 2 | 2 | 0 | XXXX | XXXX | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 377 | 41000.00 | 10 | 0.108800 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 5 | 5 | 3 | 3 | 4 | 4 | XXXX | XXXX |  | 1 |  | XXXX | XXXX | XXXX | 1 | 1 |  | XXXX | 3 | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | QM: Safe Harbor (APOR) | No | QM APOR Threshold | No | Fannie Mae Chap. B3-3 – B3-6 6/3/20 (VSH);Lender Guidelines | XXXX | XXXX | 99 |  |  |  | Wage Earner | Wage Earner |  |  |  |  |  |
| XXXX |  |  | 99 | XXXX | UNK | XXXX | 1 | 1 | 0 | 6 |  |  | 0 | 0 | 1 | 2 | 4 |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  | 2 | 2 | 0 | XXXX |  |  |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 3 |  |  |  |  | 244 | 36381.00 | 9 | 0.036800 |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1 | 1 | 5 | 1 | 1 | 4 | 4 | XXXX | XXXX |  | 1 | XXXX | XXXX | XXXX | XXXX | 7 | 1 | XXXX | XXXX | 3 | XXXX |  |  | XXXX | 9 | XXXX |  |  |  | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | QM: Safe Harbor (APOR) | No | QM APOR Threshold | No | Fannie Mae Chap. B3-3 – B3-6 6/3/20 (VSH);Lender Guidelines | XXXX | XXXX | 99 |  |  |  | Retired | Retired |  |  |  |  |  |

---

## Exhibit 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 3**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **GSMBS 2023-PJ1** |
| **Start - End Dates:** | **1/6/2022 - 1/14/2022** |
| **Deal Loan Count:** | **2** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *2* |
| ***Loans with Conditions:*** | *1* |
| **0 - Total Active Conditions** | **0 - Total Active Conditions** |
| **2 - Total Satisfied Conditions** | **2 - Total Satisfied Conditions** |
|  | 1 - Property Valuations Review Scope |
|  | 1 - Category: Appraisal |
|  | 1 - Compliance Review Scope |
|  | 1 - Category: TILA/RESPA Integrated Disclosure |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <br>©2023 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. | <br>©2023 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:** | **GSMBS 2023-PJ1** | **GSMBS 2023-PJ1** | **GSMBS 2023-PJ1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **2** | **2** | **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *2* | *2* | *2* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *1* | *1* | *1* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Overall Loan Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Overall Loan Grade** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Credit Loan Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Credit Loan Grade** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Property Valuations Loan Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Property Valuations Loan Grade** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Compliance Loan Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Condition Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXX | XXXXXX | XXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: The pay stubs reflect both borrowers receive Bonus income which was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers documented $XXXX in available liquid assets; however, the $XXXX deposit into XXX on XXX did not have source documentation provided so it was deducted from the amount of available assets bringing the total to $XXXX- $XXXX funds to close - $XXXXfor XXXX months PITI reserves on the subject as required by lender guidelines - $XXXX reserves required on the 2nd financed property owned = $XXXX/$XXXX [$XXXX subject PITI + $XXXX for other finance property] = XXXX months reserves for both properties.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have occupied the subject property for 21 years |
| XXXX | XXXXXX | XXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | XXXX | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $300.00 due to non-shopped (Appraisal) fees increased with invalid reason in file. Provide COC PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking information within 60 days of consummation. | 1/21/2022: Client provided detailed COC for increase in Appraisal fee. | 1/21/2022: Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XX% and guidelines allow XX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The lowest middle credit score is XXX and guidelines allow a credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers documented $XXXX in available liquid assets - $XXX for funds to close = $XXXX remaining assets - $XXXX for XXXX months PITIA reserves on the subject as required by lender guidelines - $XXXX required reserves on the other financed property XXX = $XXXX/ $XXXX PITIA payments on both financed properties = XXXX months additional reserves for both properties. |
| XXXX | XXXXXX | XXXX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | XXXX | Missing updated valuation | No | Provide a 3rd party review appraisal | 1/24/2022 - Lender provided the appraisal dated XXX and the 1004D again, however the 3rd party updated valuation is still outstanding. 01/25/2022- CDA Desk Review received from Clear Capital supporting appraisal value. | 01/25/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is XX% and guidelines allow XX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The lowest middle credit score is XXX and guidelines allow a credit score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrowers documented $XXXX in available liquid assets - $XXX for funds to close = $XXXX remaining assets - $XXXX for XXXX months PITIA reserves on the subject as required by lender guidelines - $XXXX required reserves on the other financed property XXX = $XXXX/ $XXXX PITIA payments on both financed properties = XXXX months additional reserves for both properties. |

---

---

| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GSMBS 2023-PJ1** | **GSMBS 2023-PJ1** | **GSMBS 2023-PJ1** | **GSMBS 2023-PJ1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **2** | **2** | **2** | **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *2* | *2* | *2* | *2* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *1* | *1* | *1* | *1* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Overall Loan Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Overall Loan Grade** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Loan Credit Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Loan Credit Grade** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Loan Property Valuation Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Loan Property Valuations Grade** | **Initial Moody, Fitch, DBRS, Morningstar, Kroll Loan Compliance Grade** | **Final Moody, Fitch, DBRS, Morningstar, Kroll Loan Compliance Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| XXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXX | Yes | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable |

---

## Exhibit 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 4**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |
| **Client Project Name:** | GSMBS 2023-J1 | GSMBS 2023-J1 | GSMBS 2023-J1 |  |
| **Start - End Dates:** | 1/6/2022 - 1/14/2022 | 1/6/2022 - 1/14/2022 | 1/6/2022 - 1/14/2022 |  |
| **Deal Loan Count:** | 2 | 2 | 2 |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *2* | *2* | *2* |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXX | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXX | XXXXXX | Months Reserves | XXXX | XXXX |
| XXXX | XXXXXX | Total Monthly Income | XXXX | XXXX |
| XXXX | XXXXXX | Borrower 1 First Time Home Buyer | No | Yes |
| XXXX | XXXXXX | Debt to Income Ratio (Back) | XXXX | XXXX |
| XXXX | XXXXXX | Maturity Date | XXXXXX | XXXXXX |
| XXXX | XXXXXX | Months Reserves | XXXX | XXXX |
| XXXX | XXXXXX | Total Monthly Income | XXXX | XXXX |
|©2022 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. |©2022 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. |©2022 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. |©2022 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. |©2022 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 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GSMBS 2023-J1** | **GSMBS 2023-J1** | **GSMBS 2023-J1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **2** | **2** | **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *2* | *2* | *2* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **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** |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | XXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | No | 0 |
| XXXX | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | No | XXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | No | 0 |
| <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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. | <br>©2022 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 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 6**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | GSMBS 2023-J1 | GSMBS 2023-J1 | GSMBS 2023-J1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 1/6/2022 - 1/14/2022 | 1/6/2022 - 1/14/2022 | 1/6/2022 - 1/14/2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 2 | 2 | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *2* |  |  |  | **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 Score** |
| XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 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% | XX |
| XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XX |

---

## Exhibit 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 7**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GSMBS 2023-J1** |
| **Start - End Dates:** | **1/6/2022 - 1/14/2022** |
| **Deal Loan Count:** | **2** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |
| <br>©2022 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. | <br>©2022 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 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 8**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 |
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GSMBS 2023-PJ1** | **GSMBS 2023-PJ1** | **GSMBS 2023-PJ1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** | **1/6/2022 - 1/14/2022** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **2** | **2** | **2** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Loans in Report: | 2 | 2 | 2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| XXXX | XXXXXX | XXXXXX | XXXXXX | XXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXX | Yes | Yes | 0.16 | 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) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | (No Data) | XXXX | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 36 | No | (No Data) | Yes | 36 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| XXXX | XXXXXX | XXXXXX | XXXXXX | XXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor (APOR) | XXXXXX | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | XXXX | Yes | Yes | 1.907 | 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) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | No | (No Data) | XXXX | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |

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<br>©2022 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 99.6

[GS Mortgage-Backed Securities Trust 2023-PJ1 ABS-15G](efc23-464_abs15g.htm)

**Exhibit 99.6 - Schedule 9**

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 258 | 259 | 260 | 261 |
| **Loan Number** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| XXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXX | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | XXXX | XXXX | XXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | Present | XXXXXX | 2 | No | Present | XXXX | 377 | 41000.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |
| XXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | Jumbo 30yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | XXXX | XXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | XXXX | XXXX | XXXX | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | XXXX | (No Data) | (No Data) | (No Data) | XXXX | Present | XXXXXX | 2 | No | Present | XXXX | 244 | 36381.00 | 9 | Not Applicable | Not Applicable | Not Applicable | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | (No Data) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Full Doc | Yes | Desktop Underwriter (DU)(FNMA) | Approve/Ineligible DU/DO AUS Only | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D C | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months; | (No Data) | (No Data) |

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