# EDGAR Filing Document

**Accession Number:** 0002057124
**File Stem:** 0001999371-25-013580
**Filing Date:** 2025-9
**Character Count:** 2348137
**Document Hash:** 6a3678275f054047c1f6c20ee4077a38
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-013580.hdr.sgml**: 20250918

**ACCESSION NUMBER**: 0001999371-25-013580

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

**PUBLIC DOCUMENT COUNT**: 55

**CONFORMED PERIOD OF REPORT**: 20250918

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

**FILED AS OF DATE**: 20250918

**DATE AS OF CHANGE**: 20250918

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07763
- **FILM NUMBER:** 251324346

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** COLT Securitization Depositor, LLC
- **CENTRAL INDEX KEY:** 0002057124

**ORGANIZATION NAME:**
- **EIN:** 332723911
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206
- **BUSINESS PHONE:** 212-849-9658

**MAIL ADDRESS:**
- **STREET 1:** 6688 NORTH CENTRAL EXPRESSWAY
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75206

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

**<u>COLT SECURITIZATION DEPOSITOR, LLC</u>**

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

---

| | |
|:---|:---|
| ☐ | Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________ |
|  | Date of Report (Date of earliest event reported) __________________ |
|  | Commission File Number of securitizer: __________________ |
|  | Central Index Key Number of securitizer:__________________ |

---

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

---

| | |
|:---|:---|
|  | Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(l) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐ |
|  | Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐ |
| ☒ | Rule 15Ga-2 under the Exchange Act (17 CPR 240.15Ga-2) |
|  | Central Index Key Number of depositor: 0002057124 |
|  | <u>COLT 2025-10 Mortgage Loan Trust</u> |
|  | (Exact name of issuing entity as specified in its charter) |
|  | Central Index Key Number of issuing entity (if applicable):<u> </u> |
|  | Central Index Key Number of underwriter (if applicable): ________________ |

---

<u>Donna Yi (212) 849-9658 </u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

---

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

---

Not Applicable

---

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

---

Not Applicable

---

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

---

Not Applicable

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

**REPORTS**

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

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

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

Not Applicable

**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.

---

| | |
|:---|:---|
| **COLT SECURITIZATION DEPOSITOR, LLC** | **COLT SECURITIZATION DEPOSITOR, LLC** |
| By: | /s/ Donna Yi |
| Name:  | Donna Yi |
| Title: | Vice President |

---

Date: September 18, 2025

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| &nbsp;&nbsp;[99.1](ex99-1.htm) | &nbsp;&nbsp;AMC Diligence, LLC ("AMC") Due Diligence Executive Summary |
| &nbsp;&nbsp;[99.2](ex99-2.htm) | &nbsp;&nbsp;AMC Valuation Summary |
| &nbsp;&nbsp;[99.3](ex99-3.htm) | &nbsp;&nbsp;AMC Exception Grades |
| &nbsp;&nbsp;[99.4](ex99-4.htm) | &nbsp;&nbsp;AMC Rating Agency Grades |
| &nbsp;&nbsp;[99.5](ex99-5.htm) | &nbsp;&nbsp;AMC Data Compare |
| &nbsp;&nbsp;[99.6](ex99-6.htm) | &nbsp;&nbsp;Canopy Financial Technical Partners LLC ("Canopy") Narrative |
| &nbsp;&nbsp;[99.7](ex99-7.htm) | &nbsp;&nbsp;Canopy Rating Agency Grades Detail |
| &nbsp;&nbsp;[99.8](ex99-8.htm) | &nbsp;&nbsp;Canopy Rating Agency Grades Summary |
| &nbsp;&nbsp;[99.9](ex99-9.htm) | &nbsp;&nbsp;Canopy Valuation Report |
| &nbsp;&nbsp;[99.10](ex99-10.htm) | &nbsp;&nbsp;Canopy Data Compare Report |
| &nbsp;&nbsp;[99.11](ex99-11.htm) | &nbsp;&nbsp;Clarifii LLC ("Clarifii") Narrative |
| &nbsp;&nbsp;[99.12](ex99-12.htm) | &nbsp;&nbsp;Clarifii Rating Agency Grades Detail Report |
| &nbsp;&nbsp;[99.13](ex99-13.htm) | &nbsp;&nbsp;Clarifii Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.14](ex99-14.htm) | &nbsp;&nbsp;Clarifii Data Compare Report |
| &nbsp;&nbsp;[99.15](ex99-15.htm) | &nbsp;&nbsp;Clarifii Valuation Report |
| &nbsp;&nbsp;[99.16](ex99-16.htm) | &nbsp;&nbsp;Consolidated Analytics, Inc. ("Consolidated") Narrative |
| &nbsp;&nbsp;[99.17](ex99-17.htm) | &nbsp;&nbsp;Consolidated Grading Report Summary |
| &nbsp;&nbsp;[99.18](ex99-18.htm) | &nbsp;&nbsp;Consolidated Valuations Summary Report |
| &nbsp;&nbsp;[99.19](ex99-19.htm) | &nbsp;&nbsp;Consolidated Due Diligence Standard |
| &nbsp;&nbsp;[99.20](ex99-20.htm) | &nbsp;&nbsp;Consolidated Data Compare Report |
| &nbsp;&nbsp;[99.21](ex99-21.htm) | &nbsp;&nbsp;Evolve Mortgage Services ("Evolve") Executive Summary |
| &nbsp;&nbsp;[99.22](ex99-22.htm) | &nbsp;&nbsp;Evolve Rating Agency Grades |
| &nbsp;&nbsp;[99.23](ex99-23.htm) | &nbsp;&nbsp;Evolve Exception Detail |
| &nbsp;&nbsp;[99.24](ex99-24.htm) | &nbsp;&nbsp;Evolve Valuation Report |
| &nbsp;&nbsp;[99.25](ex99-25.htm) | &nbsp;&nbsp;Evolve Data Compare |
| &nbsp;&nbsp;[99.26](ex99-26.htm) | &nbsp;&nbsp;Maxwell Diligence Solutions, LLC ("MaxDiligence") Narrative |
| &nbsp;&nbsp;[99.27](ex99-27.htm) | &nbsp;&nbsp;MaxDiligence Standard Exceptions Report |
| &nbsp;&nbsp;[99.28](ex99-28.htm) | &nbsp;&nbsp;MaxDiligence Grading Report |
| &nbsp;&nbsp;[99.29](ex99-29.htm) | &nbsp;&nbsp;MaxDiligence Valuation Report |
| &nbsp;&nbsp;[99.30](ex99-30.htm) | &nbsp;&nbsp;MaxDiligence Data Compare Report |
| &nbsp;&nbsp;[99.31](ex99-31.htm) | &nbsp;&nbsp;Opus Capital Markets Consultants, LLC ("Opus") Executive Narrative |
| &nbsp;&nbsp;[99.32](ex99-32.htm) | &nbsp;&nbsp;Opus Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.33](ex99-33.htm) | &nbsp;&nbsp;Opus Valuation Report |
| &nbsp;&nbsp;[99.34](ex99-34.htm) | &nbsp;&nbsp;Opus Data Compare Report |
| &nbsp;&nbsp;[99.35](ex99-35.htm) | &nbsp;&nbsp;Opus Standard Findings Report |
| &nbsp;&nbsp;[99.36](ex99-36.htm) | &nbsp;&nbsp;Selene Diligence LLC ("Selene") Narrative |
| &nbsp;&nbsp;[99.37](ex99-37.htm) | &nbsp;&nbsp;Selene Rating Agency Grades Summary Report |
| &nbsp;&nbsp;[99.38](ex99-38.htm) | &nbsp;&nbsp;Selene Standard Findings Report |
| &nbsp;&nbsp;[99.39](ex99-39.htm) | &nbsp;&nbsp;Selene Valuation Report |
| &nbsp;&nbsp;[99.40](ex99-40.htm) | &nbsp;&nbsp;Selene Data Compare Report |

---

## Exhibit 99.1

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.1**

![](ex991001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Lone Star Residential Acquisitions, LLC (the "Client") through flow reviews and acquired by reliance letter. The Review was conducted during June 2025 through September 2025 on mortgage loans with origination dates from May 2025 through September 2025 via files imaged and provided by the Client's designee for review. The Review included loans reviewed under the Credit and Compliance Scope (198 loans), and the Business Purpose Scope (133 loans). The loans reviewed using the Credit and Compliance Scope and Business Purpose Scope are together referred to as the mortgage loans.

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

The initial population consisted of 331 mortgage loans.

The final population of the Review covered 331 mortgage loans totaling an aggregate original principal balance of approximately $211.108 million. To AMC's knowledge, the Review covered 100% of the securitization loan population.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E.

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

AMC compared data fields on the tape provided by the Client to the data found in the actual mortgage loan file as captured by AMC. For the purposes of this disclosure, AMC's review only included fields that were included in a related data integrity review being performed by another vendor and did not include all fields that may have been available for data comparison at the time of original acquisition. This comparison, when data was available, included the following data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;Lender | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Margin | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Total Cash-out |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original LTV |  |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original P&I |  |

---

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

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

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![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

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

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

**<u>BUSINESS PURPOSE SCOPE</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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![](ex991001.jpg)

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

▪ Reviewing
 and calculating that the DSCR and/or Property DTI conforms with applicable guidelines.

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

---

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

---

**DATA COLLECTION**

AMC will compare data fields on the bid tape provided by the client to the data found in the actual file as captured by AMC. All material discrepancies will be noted.

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

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

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

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

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![](ex991001.jpg)

than one valuation was provided, AMC confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, AMC created an exception.

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

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

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

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;

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

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

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

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

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

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

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

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

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

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

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

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

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

&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.

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*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

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

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

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

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

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

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

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

**(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

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closing instructions) included lender instructions for recording, and as applicable, the date the documents were sent for recording, and/or the date that the documents will be recorded.

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Changed
 circumstance documentation;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Subordination
 Agreement;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 Estimates;

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

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

**<u>BUSINESS PURPOSE & LIMITED COMPLIANCE REVIEW</u>**

Includes Business Purpose Scope with additional limited compliance review below.

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

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

with the following:

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

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

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

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

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

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

**(9) Disclaimer.**

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

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

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

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![](ex991001.jpg)

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading implications of the Credit, Compliance and Property/Valuation sections, 100.00% of the mortgage loans by number in the pool have a NRSRO grade of "A", or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;142 | &nbsp;&nbsp;42.90% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;189 | &nbsp;&nbsp;57.10% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** |

---

**COMPLIANCE RESULTS SUMMARY**

Please note that one hundred twenty-five (125) Business Purpose with no limited compliance review were not subjected to a compliance review and did not receive a compliance grade. Of the remaining two hundred six (206) mortgage loans, 100.00% by number received an "A" or "B" compliance grade.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of All Loans** | &nbsp;&nbsp;**% of Mortgage Review Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;146 | &nbsp;&nbsp;44.11% | &nbsp;&nbsp;70.87% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;60 | &nbsp;&nbsp;18.13% | &nbsp;&nbsp;29.13% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Compliance Not Run | &nbsp;&nbsp;125 | &nbsp;&nbsp;37.76% | &nbsp;&nbsp;N/A |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

All three hundred thirty-one (331) mortgage loans reviewed by AMC have a Credit grade of "B" or higher and 53.17% of the mortgage loans by number received a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;176 | &nbsp;&nbsp;53.17% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;155 | &nbsp;&nbsp;46.83% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Total | &nbsp;&nbsp;331 | &nbsp;&nbsp;100.00% |

---

**PROPERTY/VALUATION RESULTS SUMMARY** 

All three hundred thirty-one (331) mortgage loans reviewed by AMC have a Property Grade of "B" or higher and 99.70% of the mortgage loans by number received a Property grade of "A"

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;330 | &nbsp;&nbsp;99.70% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

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![](ex991001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Final <br> Exception <br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;31 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;RESPA | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State Defect | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete HUD-1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing, Incorrect, or Incomplete Final or Initial 1003 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Misc. State Level | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal HPML | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***99*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**99** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;154 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;52 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;8 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Documents | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income / Employment | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Hazard Insurance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Investment Product | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***243*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**243** |
| &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;**343** |

---

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![](ex991001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 331 mortgage loans reviewed, 324 unique mortgage loans had 1,834 different tape discrepancies across 34 data fields (some mortgage loans had more than one data delta). The largest variances were found on PITIA Reserves Months, Escrow Account and Product Description.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** | &nbsp;&nbsp;**# Of <br> Loans** |
| &nbsp;&nbsp;# of Units | &nbsp;&nbsp;3 | &nbsp;&nbsp;27 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;301 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;81 | &nbsp;&nbsp;328 | &nbsp;&nbsp;24.70% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;7 | &nbsp;&nbsp;27 | &nbsp;&nbsp;25.93% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower Full Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;84 | &nbsp;&nbsp;328 | &nbsp;&nbsp;25.61% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;74 | &nbsp;&nbsp;301 | &nbsp;&nbsp;24.58% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;10 | &nbsp;&nbsp;331 | &nbsp;&nbsp;3.02% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Decision System | &nbsp;&nbsp;10 | &nbsp;&nbsp;19 | &nbsp;&nbsp;52.63% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;18 | &nbsp;&nbsp;177 | &nbsp;&nbsp;10.17% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;259 | &nbsp;&nbsp;301 | &nbsp;&nbsp;86.05% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Has FTHB | &nbsp;&nbsp;13 | &nbsp;&nbsp;177 | &nbsp;&nbsp;7.34% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 | &nbsp;&nbsp;5.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;71 | &nbsp;&nbsp;196 | &nbsp;&nbsp;36.22% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Lender | &nbsp;&nbsp;171 | &nbsp;&nbsp;301 | &nbsp;&nbsp;56.81% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;27 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;18 | &nbsp;&nbsp;30 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;1 | &nbsp;&nbsp;328 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;24 | &nbsp;&nbsp;328 | &nbsp;&nbsp;7.32% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;23 | &nbsp;&nbsp;328 | &nbsp;&nbsp;7.01% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;26 | &nbsp;&nbsp;328 | &nbsp;&nbsp;7.93% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;28 | &nbsp;&nbsp;3.57% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;293 | &nbsp;&nbsp;301 | &nbsp;&nbsp;97.34% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;159 | &nbsp;&nbsp;301 | &nbsp;&nbsp;52.82% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;185 | &nbsp;&nbsp;301 | &nbsp;&nbsp;61.46% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;50 | &nbsp;&nbsp;331 | &nbsp;&nbsp;15.11% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;328 | &nbsp;&nbsp;0.61% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;, Refi Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;134 | &nbsp;&nbsp;5.22% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;24 | &nbsp;&nbsp;328 | &nbsp;&nbsp;7.32% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;331 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;331 |

---

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;Street | &nbsp;&nbsp;17 | &nbsp;&nbsp;331 | &nbsp;&nbsp;5.14% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Total Cash-out | &nbsp;&nbsp;138 | &nbsp;&nbsp;150 | &nbsp;&nbsp;92.00% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;47 | &nbsp;&nbsp;331 | &nbsp;&nbsp;14.20% | &nbsp;&nbsp;331 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1834** | &nbsp;&nbsp;**7492** | &nbsp;&nbsp;**24.48%** | &nbsp;&nbsp;**331** |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY (some totals may not add due to rounding)**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;326 | &nbsp;&nbsp;98.49% | &nbsp;&nbsp;$206717144.00 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.51% | &nbsp;&nbsp;$4391000.00 | &nbsp;&nbsp;2.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211108144.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;331 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$211108144.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211108144.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.30% | &nbsp;&nbsp;$270000.00 | &nbsp;&nbsp;0.13% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;131 | &nbsp;&nbsp;39.58% | &nbsp;&nbsp;$80233752.00 | &nbsp;&nbsp;38.01% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;28 | &nbsp;&nbsp;8.46% | &nbsp;&nbsp;$19509815.00 | &nbsp;&nbsp;9.24% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;140 | &nbsp;&nbsp;42.30% | &nbsp;&nbsp;$94661750.00 | &nbsp;&nbsp;44.84% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;31 | &nbsp;&nbsp;9.37% | &nbsp;&nbsp;$16432827.00 | &nbsp;&nbsp;7.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211108144.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;319 | &nbsp;&nbsp;96.37% | &nbsp;&nbsp;$203676446.00 | &nbsp;&nbsp;96.48% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;12 | &nbsp;&nbsp;3.63% | &nbsp;&nbsp;$7431698.00 | &nbsp;&nbsp;3.52% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211108144.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;180 | &nbsp;&nbsp;54.38% | &nbsp;&nbsp;$120698506.00 | &nbsp;&nbsp;57.17% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;29 | &nbsp;&nbsp;8.76% | &nbsp;&nbsp;$11539253.00 | &nbsp;&nbsp;5.47% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.81% | &nbsp;&nbsp;$5393505.00 | &nbsp;&nbsp;2.55% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;70 | &nbsp;&nbsp;21.15% | &nbsp;&nbsp;$48213480.00 | &nbsp;&nbsp;22.84% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;9 | &nbsp;&nbsp;2.72% | &nbsp;&nbsp;$2742600.00 | &nbsp;&nbsp;1.30% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;18 | &nbsp;&nbsp;5.44% | &nbsp;&nbsp;$10720800.00 | &nbsp;&nbsp;5.08% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;7 | &nbsp;&nbsp;2.11% | &nbsp;&nbsp;$5022350.00 | &nbsp;&nbsp;2.38% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;2.42% | &nbsp;&nbsp;$3403400.00 | &nbsp;&nbsp;1.61% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$3374250.00 | &nbsp;&nbsp;1.60% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211108144.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex991001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan <br> Count** | &nbsp;&nbsp;**% of <br> Loans** | &nbsp;&nbsp;**Original <br> Balance** | &nbsp;&nbsp;**% of <br> Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;133 | &nbsp;&nbsp;40.18% | &nbsp;&nbsp;$108453266.00 | &nbsp;&nbsp;51.37% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;183 | &nbsp;&nbsp;55.29% | &nbsp;&nbsp;$89424497.00 | &nbsp;&nbsp;42.36% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;15 | &nbsp;&nbsp;4.53% | &nbsp;&nbsp;$13230381.00 | &nbsp;&nbsp;6.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**331** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$211108144.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.2

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.2**

![](situs-logo.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 9/17/2025 3:07:41 PM** |

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | XXXX | 4350116672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.70 |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.380% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 2.870% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 3.70 |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 4.00 |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 4.850% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -4.350% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 3.40 |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.800% | XXXX | XXXX | BPO | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 5.00 |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.30 |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 3.30 |
| XXXX | XXXX | XXXX | 4350116695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 4.30 |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.90 |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 2.00 |
| XXXX | XXXX | XXXX | 4350116708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116709 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 2.30 |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 3.40 |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 4.60 |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116715 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.30 |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -2.700% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 3.50 |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | High |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 2.70 |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 5.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 4350116723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116727 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350116729 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.00 |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 2.70 |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.20 |
| XXXX | XXXX | XXXX | 4350116737 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.10 |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.70 |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 2.40 |
| XXXX | XXXX | XXXX | 4350116748 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 4.60 |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | XXXX | 4350116750 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.80 |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 3.30 |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 2.90 |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 |  |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350116767 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.90 |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.80 |
| XXXX | XXXX | XXXX | 4350116771 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 2.50 |
| XXXX | XXXX | XXXX | 4350116773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 3.50 |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 4.60 |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.70 |
| XXXX | XXXX | XXXX | 4350116778 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 5.00 | 2.20 |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.70 |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 5.00 | 5.00 |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 2.90 |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116790 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 2.50 |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 3.50 |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 3.00 |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.40 |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 4.20 |
| XXXX | XXXX | XXXX | 4350116800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.70 |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.20 |
| XXXX | XXXX | XXXX | 4350116803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 999.00 |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.10 |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 4.70 |
| XXXX | XXXX | XXXX | 4350116810 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 2.60 |
| XXXX | XXXX | XXXX | 4350116811 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.70 |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.50 |
| XXXX | XXXX | XXXX | 4350116813 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.30 |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.30 |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 1.960% | XXXX | XXXX | Appraisal | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | Low | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 4.60 |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.60 |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 4.90 |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 3.50 |
| XXXX | XXXX | XXXX | 4350116822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 3.00 |
| XXXX | XXXX | XXXX | 4350116825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 5.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 2.20 |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116830 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -9.090% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 3.00 |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 4.00 |
| XXXX | XXXX | XXXX | 4350116834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 4.10 |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 5.00 |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 5.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.10 |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116846 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 2.40 |
| XXXX | XXXX | XXXX | 4350116850 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.60 |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.80 |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.10 |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 2.40 |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 999.00 |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.40 |
| XXXX | XXXX | XXXX | 4350116858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.20 |
| XXXX | XXXX | XXXX | 4350116860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.30 |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116864 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes |  | 1.70 |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116867 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 3.50 |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116869 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 3.00 |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.20 |
| XXXX | XXXX | XXXX | 4350116871 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.80 |
| XXXX | XXXX | XXXX | 4350116872 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 1.10 |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 3.80 |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.60 |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -0.560% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 2.90 |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 3.20 |
| XXXX | XXXX | XXXX | 4350116889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.20 |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350116892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.30 |
| XXXX | XXXX | XXXX | 4350116893 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.50 |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 5.00 | 4.20 |
| XXXX | XXXX | XXXX | 4350116895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.50 |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 2.00 |
| XXXX | XXXX | XXXX | 4350116897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.50 |
| XXXX | XXXX | XXXX | 4350116899 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -16.280% | XXXX | XXXX | Desk Review | XXXX |  | High |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 3.60 |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 999.00 |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | XXXX | 4350117025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes |  |  |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 5.00 | 1.30 |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116906 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -4.760% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.70 |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 3.30 |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.80 |
| XXXX | XXXX | XXXX | 4350116918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116919 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 1.40 |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116926 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.50 |
| XXXX | XXXX | XXXX | 4350116930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -2.080% | XXXX | XXXX | Appraisal | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX | 0.000% | XXXX | Low | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -2.080% | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.20 |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.00 |
| XXXX | XXXX | XXXX | 4350116937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | XXXX | XXXX | 4350116938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.50 | 3.70 |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 4.90 |
| XXXX | XXXX | XXXX | 4350116941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -6.850% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.40 |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 2.60 |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 2.30 |
| XXXX | XXXX | XXXX | 4350116948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 3.60 |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 2.40 |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 2.60 |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 2.40 |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 4.00 |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 2.50 |
| XXXX | XXXX | XXXX | 4350116959 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 2.80 |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.40 |
| XXXX | XXXX | XXXX | 4350116961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.50 |
| XXXX | XXXX | XXXX | 4350116963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.50 |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 5.00 |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 4.40 |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.50 | 2.30 |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 4.00 | 1.10 |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -9.570% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 2.00 | 1.50 |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.50 | 1.00 |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No | 3.00 | 1.00 |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.10 |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 2.20 |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -3.530% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116987 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 1.00 |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 3.10 |
| XXXX | XXXX | XXXX | 4350116993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  | 3.20 |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | Yes | 1.00 | 1.30 |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117000 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -4.500% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.90 |
| XXXX | XXXX | XXXX | 4350117005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 3.80 |
| XXXX | XXXX | XXXX | 4350117022 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.00 |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | -9.470% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  | 1.80 |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117007 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | No |  |  |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117003 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117015 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Moderate |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117018 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | Low |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | XXXX | 4350117021 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal | XXXX | XXXX | XXXX |  | XXXX | XXXX | 0.000% | XXXX | XXXX | Desk Review | XXXX |  | High |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX | XXXX | XXXX |  |  |  |  |  | N/A |  |  |

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## Exhibit 99.3

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.3**

![](situs-logo.jpg)

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| **Exception Grades** |
| **Run Date - 9/17/2025 3:07:41 PM** |

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **XXXX Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | XXXX | 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 XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XXXX) | Loan Estimate was not received by the Borrower within three business days of application. |  |  |  | Reviewer Comment (XXXX-06-24): XXXX received rebuttal and disclosure summary suffice.<br>Seller Comment (XXXX-06-23): (Rate Lock) LE was sent through mail, via fulfillment. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XXXX not received by borrower at least four (4) business days prior to closing. (Interim/XXXX) | Revised Loan Estimate provided on XXXX not received by borrower at least four business days prior to closing. |  |  |  | Reviewer Comment (XXXX-07-31): XXXX received signed LE dated XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116672 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Minimum loan amount of XXXX not met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.36 is greater than the minimum required DSCR of 1.00 | XXXX | Reviewer Comment (XXXX-09-02): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-28): (Rate Lock) Strong DSCR is a sufficient comp factor for 1 needed exception<br>Reviewer Comment (XXXX-08-25): Provide compelling Compensating Factors to waive insufficient loan amount. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 1x30x24 mortgage payment history as 0x30x24 is required. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-07-24): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-07-23): (Rate Lock) Guidelines state "Must reflect no more than XXXX for past 12 months" no exception needed | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | Verification of mortgage for borrower's primary residence was not provided. |  |  |  | Reviewer Comment (XXXX-08-11): Provided at initoal review,<br>Seller Comment (XXXX-08-07): (Rate Lock) Bwr is not on MTG only title - MTG is escrowed and end of year statement and current statement before closing show 0 lates<br>Reviewer Comment (XXXX-06-27): Per guidelines, The housing payment history (mortgage and/or rent) must be verified and documented when not shown on the<br> credit report. The verified and documented housing payment history must confirm that the payment is not<br> currently late and has not been 30 days or more past due in the last 12 months (0X30). Please provide proof of borrower's 12 months housing payment history.<br>Seller Comment (XXXX-06-25): (Rate Lock) Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Loan file is missing the Mortgage statement for XXXX. |  |  |  | Reviewer Comment (XXXX-06-27): Received mortgage statement in railing docs.<br>Seller Comment (XXXX-06-25): (Rate Lock) REO stmt | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX Prepayment Penalty | XXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXX. Prepay language states prepay will not exceed maximum permitted by applicable XXXX. | No prepayment penalties are permissible in the state of XXXX. |  |  |  | Reviewer Comment (XXXX-06-27): Client elects to waive.<br>Seller Comment (XXXX-06-25): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Borrower signed Note as Authorized Person. Guarantor Agreement required or Note signed as Individual. |  |  |  | Reviewer Comment (XXXX-08-13): Document provided.<br>Reviewer Comment (XXXX-08-13): Correcting Grading<br>Reviewer Comment (XXXX-07-16): Received the Guarantee Agreement | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Please provided executed Business Purpose Certification if the loan is Business Purpose. |  |  |  | Reviewer Comment (XXXX-08-13): Documentation provided.<br>Reviewer Comment (XXXX-08-13): Correcting Grading<br>Reviewer Comment (XXXX-07-16): Received the Borrowers business purpose explanation. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.78 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender approved an exception for DSCR less than 1.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. |  | XXXX | Reviewer Comment (XXXX-09-04): Comp factors used to waive exception<br>Seller Comment (XXXX-09-03): (Rate Lock) CFS provided to suffice for only needing 2 exceptions not 5, please downgrade and clear<br>Reviewer Comment (XXXX-08-27): Provide a corrected Lender Exception and additional compensating factors as the ones provided are not compelling enough to satisfy 5 exception requests.<br>Seller Comment (XXXX-08-22): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-08-05): Neither Credit nor Fraud report show the borrower as managing other NOO properties and there are only 10 months of mortgage history on the credit report, insufficient to support as a CF for 5 exceptions.<br>Seller Comment (XXXX-08-01): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-07-28): Per file credit report, borrower's score is XXXX, and 700 is required. The borrower needs 6.0 mon reserves and only have XXXX. Fraud and Credit Report only shows the borrower owning 1 property, the primary. A PPP is not a Comp Factor. Please provide additional CF to support 3 Lender Exceptions.<br>Seller Comment (XXXX-07-28): (Rate Lock) Updated CFs provided<br>Reviewer Comment (XXXX-07-10): Please provide compelling compensating factors for consideration of downgrading/waiving exceptions. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for borrower not having a full 12 month housing payment history. |  |  |  | Reviewer Comment (XXXX-09-02): Cleared.<br>Seller Comment (XXXX-08-28): (Rate Lock) The housing payment history exception is actually not needed as we have verified the payment history on primary mortgage since inception (XXXX). Prior to this we have a rent free letter for when the borrower lived at XXXX with their parent which would complete the 1 year documented housing payment history (guidelines do allow for a rent free borrower)<br>Reviewer Comment (XXXX-08-27): Provide a corrected Lender Exception and additional compensating factors as the ones provided are not compelling enough to satisfy 5 exception requests.<br>Seller Comment (XXXX-08-22): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-08-05): Neither Credit nor Fraud report show the borrower as managing other NOO properties and there are only 10 months of mortgage history on the credit report, insufficient to support as a CF for 5 exceptions.<br>Seller Comment (XXXX-08-01): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-07-28): Per file credit report, borrower's score is XXXX, and 700 is required. The borrower needs 6.0 mon reserves and only have XXXX. Fraud and Credit Report only shows the borrower owning 1 property, the primary. A PPP is not a Comp Factor. Please provide additional CF to support 3 Lender Exceptions.<br>Seller Comment (XXXX-07-28): (Rate Lock) Updated CFs provided<br>Reviewer Comment (XXXX-07-10): Please provide compelling compensating factors for consideration of downgrading/waiving exceptions. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for using gift funds to cover 100% cash to close. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. |  | XXXX | Reviewer Comment (XXXX-09-04): Comp factors used to waive exception<br>Seller Comment (XXXX-09-03): (Rate Lock) CFS provided to suffice for only needing 2 exceptions not 5, please downgrade and clear<br>Reviewer Comment (XXXX-08-27): Provide a corrected Lender Exception and additional compensating factors as the ones provided are not compelling enough to satisfy 5 exception requests.<br>Seller Comment (XXXX-08-22): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-08-05): Neither Credit nor Fraud report show the borrower as managing other NOO properties and there are only 10 months of mortgage history on the credit report, insufficient to support as a CF for 5 exceptions.<br>Seller Comment (XXXX-08-01): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-07-28): Per file credit report, borrower's score is XXXX, and 700 is required. The borrower needs 6.0 mon reserves and only have XXXX. Fraud and Credit Report only shows the borrower owning 1 property, the primary. A PPP is not a Comp Factor. Please provide additional CF to support 3 Lender Exceptions.<br>Seller Comment (XXXX-07-28): (Rate Lock) Updated CFs provided<br>Reviewer Comment (XXXX-07-10): Please provide compelling compensating factors for consideration of downgrading/waiving exceptions. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | XXXX | 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 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Borrower has no STR history. Max LTV 70%. |  |  |  | Reviewer Comment (XXXX-09-02): Cleared.<br>Seller Comment (XXXX-08-28): (Rate Lock) It was not qualified as short-term rental as it didnt meet requirements so no exception needed<br>Reviewer Comment (XXXX-08-27): Provide a corrected Lender Exception and additional compensating factors as the ones provided are not compelling enough to satisfy 5 exception requests.<br>Seller Comment (XXXX-08-22): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-08-05): Neither Credit nor Fraud report show the borrower as managing other NOO properties and there are only 10 months of mortgage history on the credit report, insufficient to support as a CF for 5 exceptions.<br>Seller Comment (XXXX-08-01): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-07-28): Per file credit report, borrower's score is 700, and 700 is required. The borrower needs 6.0 mon reserves and only have XXXX. Fraud and Credit Report only shows the borrower owning 1 property, the primary. A PPP is not a Comp Factor. Please provide additional CF to support 3 Lender Exceptions. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | Borrower has no STR history. Max CLTV 70%. |  |  |  | Reviewer Comment (XXXX-09-02): Cleared.<br>Seller Comment (XXXX-08-28): (Rate Lock) It was not qualified as short-term rental as it didnt meet requirements so no exception needed<br>Reviewer Comment (XXXX-08-27): Provide a corrected Lender Exception and additional compensating factors as the ones provided are not compelling enough to satisfy 5 exception requests.<br>Seller Comment (XXXX-08-22): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-08-05): Neither Credit nor Fraud report show the borrower as managing other NOO properties and there are only 10 months of mortgage history on the credit report, insufficient to support as a CF for 5 exceptions.<br>Seller Comment (XXXX-08-01): (Rate Lock) Updated exception provided<br>Reviewer Comment (XXXX-07-28): Per file credit report, borrower's score is 700, and 700 is required. The borrower needs 6.0 mon reserves and only have 6.62. Fraud and Credit Report only shows the borrower owning 1 property, the primary. A PPP is not a Comp Factor. Please provide additional CF to support 3 Lender Exceptions. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for NSFs exceeding 6 in the past 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 78.99<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 48.81025%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 48.81025%<br> Guideline Maximum Loan to Value: 80.00000%<br>DTI: 14.83861% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 702 | XXXX | Reviewer Comment (XXXX-07-02): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | File is missing 12 months' verification of rent (VOR) required by guidelines, only 2 months VOM was provided. |  |  |  | Reviewer Comment (XXXX-08-14): VOM in file.<br>Reviewer Comment (XXXX-08-06): Changing the 1003 post close must be supported with documentation. Nothing has been provided.<br>Seller Comment (XXXX-08-05): (Rate Lock) BWR has been at subject for 1 year<br>Reviewer Comment (XXXX-08-04): File missing VOR for XXXX - 2/25. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a borrower who recently did a cashout refinance on XXXX for his Primary Residence without meeting the 6-month seasoning requirement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 78.99<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 48.81025%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 48.81025%<br> Guideline Maximum Loan to Value: 80.00000%<br>DTI: 14.83861% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 702 | XXXX | Reviewer Comment (XXXX-07-02): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | 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 XXXX exceeds tolerance of XXXX plus 10% or XXXX. Insufficient or no cure was provided to the borrower. (0) | Recording Fee of XXXX exceeds the tolerance of XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-07-16): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (XXXX-07-15): (Rate Lock) Cure was included on final CD | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX.00 exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX.00 exceeds tolerance of XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-07-18): XXXX received a valid COC. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | 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 XXXX exceeds tolerance of XXXX plus 10% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XXXX-07-18): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Guarantor Agreement missing as loan closed in name of LLC with the borrower signing for the business, not as an individual. |  |  |  | Reviewer Comment (XXXX-08-14): Guarantor Agreement provided. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Missing Document: Note - Subordinate Lien not provided |  | Missing supporting document to verify proceeds from second lien on subject property |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Account Statements - Business | File is missing 24 months business bank statement XXXX used for income qualification. Require statement for XXXX XXXX, XXXX XXXX and XXXX XXXX - XXXX XXXX. |  |  |  | Reviewer Comment (XXXX-08-15): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower $XXXX | File is missing most recent bank statement and evidence of proceeds from second lien. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing 24 months business bank statement XXXX used for income qualification. Require statement for XXXX XXXX, XXXX XXXX and XXXX XXXX - XXXX XXXX. |  |  |  | Reviewer Comment (XXXX-08-15): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | File is missing most recent bank statement and evidence of proceeds from second lien. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 9.00. | File is missing most recent bank statement and evidence of proceeds from second lien. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | File is missing 24 months business bank statement XXXX used for income qualification. Require statement for XXXX XXXX, XXXX XXXX and XXXX XXXX - XXXX XXXX. |  |  |  | Reviewer Comment (XXXX-08-15): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of XXXX.00 is greater than Guideline maximum loan amount of XXXX,000.00. | Lender exception approved for loan amount of XXXX when max is XXXX investment refinance, | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same industry more than 5 years.<br>Borrower has worked in same job more than 3 years.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-15): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of $XXXX is greater than Guideline total cash-out of XXXX.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-14): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow borrower to meet seasoning requirements at note date instead of application date. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-14): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Self employed for 36 years.<br>DTI: 4.03368% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (XXXX-08-15): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-20): Client elects to waive.<br>Seller Comment (XXXX-08-19): Please waive to EV2 and close | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a first time investor. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 45.35<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 720<br> Representative FICO: 799 | XXXX | Reviewer Comment (XXXX-07-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | XXXX | 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 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | Lender approved an LTV of 75% which exceeds the guideline maximum of 70%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 45.35<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 720<br> Representative FICO: 799 | XXXX | Reviewer Comment (XXXX-07-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | Lender approved a CLTV of 75% which exceeds the guideline maximum of 70%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 45.35<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 720<br> Representative FICO: 799 | XXXX | Reviewer Comment (XXXX-07-11): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Business has expired on secretary of state website however this is because the business type (home restoration/XXXX) is not required to be on the secretary of state per the CPA, Compensating Factor - DTI 35% it is less than 10% if guideline maximum, Borrower has verified residual income of at least XXXX per month | Borrower has verified disposable income of at least XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | XXXX | 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 90.00000% exceeds Guideline loan to value percentage of 80.00000%. | LTV exceeds the max of 80% for borrower living rent free. | Borrower has verified disposable income of at least XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-11): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-07): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 90.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | LTV exceeds the max of 80% for borrower living rent free. | Borrower has verified disposable income of at least XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-11): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the association allocating 1.3% to reserves which is less than our minimum non-warrantable requirement of 5%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same industry more than 5 years.<br>Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in same job more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | 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 (XXXX-08-20): Client elects to waive.<br>Seller Comment (XXXX-08-18): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same industry more than 5 years.<br>Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in same job more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | 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 80.00000% exceeds Guideline loan to value percentage of 70.00000%. | LTV of 80% exceeds max of 70% for a cash-out on a non-warrantable condo. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same industry more than 5 years.<br>Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in same job more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | LTV of 80% exceeds max of 70% for a cash-out on a non-warrantable condo. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same industry more than 5 years.<br>Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in same job more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-13): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXX exceeds tolerance of $XXXX00. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-13): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX Paystubs, W-2 (XXXX), W-2 (XXXX) | Missing paystubs and W2s for co-borrower. |  |  |  | Reviewer Comment (XXXX-09-04): Co borrower income has been removed.<br>Seller Comment (XXXX-09-03): (Rate Lock) Updated docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing paystubs and W2s for co-borrower. |  |  |  | Reviewer Comment (XXXX-09-04): Co borrower income has been removed.<br>Seller Comment (XXXX-09-03): (Rate Lock) Updated docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 50.70557% exceeds Guideline total debt ratio of 50.00000%. | Removing the co borrowers income results in the DTI exceeding the guidelines. |  |  |  | Reviewer Comment (XXXX-09-09): Cleared,<br>Seller Comment (XXXX-09-08): (Rate Lock) per the below, there income was removed and DTI was supported on the provided 1008<br>Reviewer Comment (XXXX-09-05): File is missing income documentation to support co-borrower's income reflected on the 1008 and final 1003..<br>Seller Comment (XXXX-09-05): (Rate Lock) This is incorrect, as 1008 provided confirms DTI at XXXX | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Provide a copy of Appraisal acknowledgement disclosure with three (3) business days prior to consummation. |  |  |  | Seller Comment (XXXX-07-21): Please close out<br>Reviewer Comment (XXXX-07-21): Lender accepts EV2 grading<br>Seller Comment (XXXX-07-16): Please waive 2 and clear.<br>Reviewer Comment (XXXX-07-10): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-07-08): Please waive EV 2 and clear. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Disclosed | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX disclosed an AP Table when not permissible. (Final/XXXX) | The loan product is fixed rate, but the Final Closing Disclosure signed by the borrower reflects an IO period of 120 months which is not present on previous Closing Disclosures, Note, or any addendums. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received PCCD and LOE.<br>Seller Comment (XXXX-08-01): See attached Correct PCCD and the LOE<br>Reviewer Comment (XXXX-07-18): XXXX received the XXXX Final CD. However, the issue is that the Promissory note reflects as a 30 year fixed rate with no other features. Final CD issued XXXX that was signed at closing see Doc ID XXXX) disclosed also that 30 years fixed rate with no other features but in Loan Terms monthly Principal & Interest that there was amounts that would change in year XXXX and Projected payments reflected 2 payment streams of Years XXXX on 1st payment stream and Years XXXX on 2nd stream, but there was no change in P&I or payment, and on page XXXX disclosed an AP Table that would not be applicable for the Note terms. The XXXX CD received on XXXX removed that information, and stated final CD, however, this CD is not signed and cannot be viewed as the Final CD, due to same dated CD on 6-5 that was signed by borrower with 6-5 wet signature which would override as the final CD. If CD was corrected after signing then would be viewed as Corrected CD and a post close issue date would need updated and LOE to borrower to cure. If however, this was corrected at the closing table after borrower's signatures, lender would need to further document this and the disclosure to borrower on same consummation date. As presented, we are unable to test this CD as the Final CD without additional clarification and documentation.<br>Seller Comment (XXXX-07-16): Please see attached correct CD that was signed at the closing. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table First Change Period | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX incorrectly disclosed the First Change period according to the disclosed Loan Product. (Final/XXXX) | The loan product is fixed rate, but the Final Closing Disclosure signed by the borrower reflects an IO period of 120 months which is not present on previous Closing Disclosures, Note, or any addendums. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received PCCD and LOE.<br>Seller Comment (XXXX-08-01): See trailing docs for the PCCD and LOE<br>Reviewer Comment (XXXX-07-18): XXXX received the XXXX Final CD. However, the issue is that the Promissory note reflects as a 30 year fixed rate with no other features. Final CD issued XXXX that was signed at closing see Doc ID 0617) disclosed also that 30 years fixed rate with no other features but in Loan Terms monthly Principal & Interest that there was amounts that would change in year 11 and Projected payments reflected 2 payment streams of Years 1-10 on 1st payment stream and Years 11-30 on 2nd stream, but there was no change in P&I or payment, and on page 4 disclosed an AP Table that would not be applicable for the Note terms. The 6-5-CD received on XXXX removed that information, and stated final CD, however, this CD is not signed and cannot be viewed as the Final CD, due to same dated CD on 6-5 that was signed by borrower with 6-5 wet signature which would override as the final CD. If CD was corrected after signing then would be viewed as Corrected CD and a post close issue date would need updated and LOE to borrower to cure. If however, this was corrected at the closing table after borrower's signatures, lender would need to further document this and the disclosure to borrower on same consummation date. As presented, we are unable to test this CD as the Final CD without additional clarification and documentation.<br>Seller Comment (XXXX-07-17): Please see attached Corrected CD<br>Reviewer Comment (XXXX-07-17): XXXX received Final CD issued XXXX and wet signed XXXX. The issue appears related to the Product discrepancies on the Final CD and the Note. Not reflects as 30 year fixed rate with no additional features. Final CD shows page 1 product as Fixed Rate and no features, but Loan Terms under Monthly principal & interest that there it adjusts in year 11 but Projectred Payments has 2 payment streams with payment stream 1 disclosing Years 1-0 with same P&I & Estimated Total payment as payment stream 2 reflects the same. (no changes in P&I) then on Page 4 and AP table is reflected with payment changes after 120 months. Again, Note reflects as 30 year fixed rate with no noted addendums or features.<br>Seller Comment (XXXX-07-16): Please see trailing docs for the correct CD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Interest Only Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan contains Interest Only Payments. (Final/XXXX) | The loan product is fixed rate, but the Final Closing Disclosure signed by the borrower reflects an IO period of 120 months which is not present on previous Closing Disclosures, Note, or any addendums. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received PCCD and LOE.<br>Seller Comment (XXXX-08-01): See trailing docs for the PCCD and LOE<br>Reviewer Comment (XXXX-07-18): XXXX received the XXXX Final CD. However, the issue is that the Promissory note reflects as a 30 year fixed rate with no other features. Final CD issued XXXX that was signed at closing see Doc ID 0617) disclosed also that 30 years fixed rate with no other features but in Loan Terms monthly Principal & Interest that there was amounts that would change in year 11 and Projected payments reflected 2 payment streams of Years 1-10 on 1st payment stream and Years 11-30 on 2nd stream, but there was no change in P&I or payment, and on page 4 disclosed an AP Table that would not be applicable for the Note terms. The 6-5-CD received on XXXX removed that information, and stated final CD, however, this CD is not signed and cannot be viewed as the Final CD, due to same dated CD on 6-5 that was signed by borrower with 6-5 wet signature which would override as the final CD. If CD was corrected after signing then would be viewed as Corrected CD and a post close issue date would need updated and LOE to borrower to cure. If however, this was corrected at the closing table after borrower's signatures, lender would need to further document this and the disclosure to borrower on same consummation date. As presented, we are unable to test this CD as the Final CD without additional clarification and documentation.<br>Reviewer Comment (XXXX-07-17): XXXX received Final CD issued XXXX and wet signed XXXX. The issue appears related to the Product discrepancies on the Final CD and the Note. Not reflects as 30 year fixed rate with no additional features. Final CD shows page 1 product as Fixed Rate and no features, but Loan Terms under Monthly principal & interest that there it adjusts in year 11 but Projectred Payments has 2 payment streams with payment stream 1 disclosing Years 1-0 with same P&I & Estimated Total payment as payment stream 2 reflects the same. (no changes in P&I) then on Page 4 and AP table is reflected with payment changes after 120 months. Again, Note reflects as 30 year fixed rate with no noted addendums or features.<br>Seller Comment (XXXX-07-16): Please see trailing docs for the correct CD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure AP Table Maximum Payment | TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on XXXX disclosed a Maximum Payment amount and period that does not match the actual terms for the loan. (Final/XXXX) | The loan product is fixed rate, but the Final Closing Disclosure signed by the borrower reflects an IO period of 120 months which is not present on previous Closing Disclosures, Note, or any addendums. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received PCCD and LOE.<br>Seller Comment (XXXX-08-01): See trailing docs for the PCCD and LOE<br>Reviewer Comment (XXXX-07-18): XXXX received the XXXX Final CD. However, the issue is that the Promissory note reflects as a 30 year fixed rate with no other features. Final CD issued XXXX that was signed at closing see Doc ID 0617) disclosed also that 30 years fixed rate with no other features but in Loan Terms monthly Principal & Interest that there was amounts that would change in year 11 and Projected payments reflected 2 payment streams of Years 1-10 on 1st payment stream and Years 11-30 on 2nd stream, but there was no change in P&I or payment, and on page 4 disclosed an AP Table that would not be applicable for the Note terms. The 6-5-CD received on XXXX removed that information, and stated final CD, however, this CD is not signed and cannot be viewed as the Final CD, due to same dated CD on 6-5 that was signed by borrower with 6-5 wet signature which would override as the final CD. If CD was corrected after signing then would be viewed as Corrected CD and a post close issue date would need updated and LOE to borrower to cure. If however, this was corrected at the closing table after borrower's signatures, lender would need to further document this and the disclosure to borrower on same consummation date. As presented, we are unable to test this CD as the Final CD without additional clarification and documentation.<br>Reviewer Comment (XXXX-07-17): XXXX received Final CD issued XXXX and wet signed XXXX. The issue appears related to the Product discrepancies on the Final CD and the Note. Not reflects as 30 year fixed rate with no additional features. Final CD shows page 1 product as Fixed Rate and no features, but Loan Terms under Monthly principal & interest that there it adjusts in year 11 but Projectred Payments has 2 payment streams with payment stream 1 disclosing Years 1-0 with same P&I & Estimated Total payment as payment stream 2 reflects the same. (no changes in P&I) then on Page 4 and AP table is reflected with payment changes after 120 months. Again, Note reflects as 30 year fixed rate with no noted addendums or features.<br>Seller Comment (XXXX-07-16): Please see trailing docs for the correct CD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the Principal and Interest Payment can change. (Final/XXXX) | The loan product is fixed rate, but the Final Closing Disclosure signed by the borrower reflects an IO period of 120 months which is not present on previous Closing Disclosures, Note, or any addendums. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received PCCD and LOE.<br>Seller Comment (XXXX-08-01): See trailing docs for the PCCD and LOE<br>Reviewer Comment (XXXX-07-17): XXXX received Final CD issued XXXX and wet signed XXXX. The issue appears related to the Product discrepancies on the Final CD and the Note. Not reflects as 30 year fixed rate with no additional features. Final CD shows page 1 product as Fixed Rate and no features, but Loan Terms under Monthly principal & interest that there it adjusts in year 11 but Projectred Payments has 2 payment streams with payment stream 1 disclosing Years 1-0 with same P&I & Estimated Total payment as payment stream 2 reflects the same. (no changes in P&I) then on Page 4 and AP table is reflected with payment changes after 120 months. Again, Note reflects as 30 year fixed rate with no noted addendums or features.<br>Seller Comment (XXXX-07-16): Please see trailing docs for the correct CD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent Payments | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XXXX disclosed a periodic principal and interest payment for payment stream 2 that does not match the actual payment for the loan. (ProjSeq:2/XXXX) | The loan product is fixed rate, but the Final Closing Disclosure signed by the borrower reflects an IO period of 120 months which is not present on previous Closing Disclosures, Note, or any addendums. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received PCCD and LOE.<br>Seller Comment (XXXX-08-01): See trailing docs for the PCCD and LOE<br>Reviewer Comment (XXXX-07-18): XXXX received the XXXX Final CD. However, the issue is that the Promissory note reflects as a 30 year fixed rate with no other features. Final CD issued XXXX that was signed at closing see Doc ID 0617) disclosed also that 30 years fixed rate with no other features but in Loan Terms monthly Principal & Interest that there was amounts that would change in year 11 and Projected payments reflected 2 payment streams of Years 1-10 on 1st payment stream and Years 11-30 on 2nd stream, but there was no change in P&I or payment, and on page 4 disclosed an AP Table that would not be applicable for the Note terms. The 6-5-CD received on XXXX removed that information, and stated final CD, however, this CD is not signed and cannot be viewed as the Final CD, due to same dated CD on 6-5 that was signed by borrower with 6-5 wet signature which would override as the final CD. If CD was corrected after signing then would be viewed as Corrected CD and a post close issue date would need updated and LOE to borrower to cure. If however, this was corrected at the closing table after borrower's signatures, lender would need to further document this and the disclosure to borrower on same consummation date. As presented, we are unable to test this CD as the Final CD without additional clarification and documentation.<br>Reviewer Comment (XXXX-07-17): XXXX received Final CD issued XXXX and wet signed XXXX. The issue appears related to the Product discrepancies on the Final CD and the Note. Not reflects as 30 year fixed rate with no additional features. Final CD shows page 1 product as Fixed Rate and no features, but Loan Terms under Monthly principal & interest that there it adjusts in year 11 but Projectred Payments has 2 payment streams with payment stream 1 disclosing Years 1-0 with same P&I & Estimated Total payment as payment stream 2 reflects the same. (no changes in P&I) then on Page 4 and AP table is reflected with payment changes after 120 months. Again, Note reflects as 30 year fixed rate with no noted addendums or features.<br>Seller Comment (XXXX-07-16): Please see trailing docs for the correct CD. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX | Appraisal Fee increased to XXXX without a valid change of circumstance. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-06-25): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for Non-warrantable condo. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 25.72<br> Guideline Requirement: 6.00<br>DTI: 34.97988% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 798 | XXXX | Reviewer Comment (XXXX-07-10): Lender Exception provided.<br>Seller Comment (XXXX-07-08): Please waive and close out<br>Reviewer Comment (XXXX-06-27): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | XXXX | 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 Collateral Desktop Analysis. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-27): Sufficient Cure Provided within 60 Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over XXXX) B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 36 overdrafts in the last 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in the same industry for 5 years and LTV 70% housing payment history is 0x30x24<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Prior Housing Expense: XXXX<br> Proposed Housing Expense: XXXX<br>Prior Housing Expense: XXXX<br> Proposed Housing Expense: XXXX<br>Reserves: 24.54<br> Guideline Requirement: 6.00<br>Combined Loan to Value: 53.97490%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 53.97490%<br> Guideline Maximum Loan to Value: 80.00000%<br>DTI: 19.97891% <br> Guideline Maximum DTI: 38.00000%<br>Loan Purpose: Refinance<br> Monthly Debt Reduction: -33.46884%<br>Guidelines Representative FICO: 660<br> Representative FICO: 718 | XXXX | Reviewer Comment (XXXX-08-27): Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Reviewer Comment (XXXX-08-27): Borrower has worked in the same industry for 5 years and LTV XXXX% housing payment history is XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116695 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | The earliest Closing Disclosure provided was issued XXXX and closing was XXXX. |  |  |  | Reviewer Comment (XXXX-08-05): XXXX received XXXX CD, received 3 business days prior to consummation. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a rural property. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Guidelines Representative FICO: 660<br> Representative FICO: 738<br> Rural property LTV/CLTV Max<br> • Purchase and Rate/Term 70% LTV/CLTV<br> • Cash-Out 65% LTV/CLTV<br>The DSCR of 1.12 is greater than the minimum required DSCR of 1.00. | XXXX | Reviewer Comment (XXXX-09-04): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for 1x30 mortgage late (XXXX HELOC on primary residence, not on subject property in XXXX XXXX) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 22.01559% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX-08-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | 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 XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Will Not Have Escrow - Reason not provided in Final closing disclosure |  |  |  | Reviewer Comment (XXXX-08-07): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (XXXX-08-07): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-08-12): XXXX received rate lock dated XXXX for lock extension.<br>Seller Comment (XXXX-08-11): (Rate Lock) Lock confirmation shows there was no change in pricing for escrows (from the XXXX). The change in pricing was from the XXXX for a lock extension. The XXXX was lumped in, but because there was no change in pricing due to this change, no cure is needed<br>Reviewer Comment (XXXX-08-07): XXXX CD increased discount points from $XXXX to $XXXX. Changed Circumstance in file, Doc ID XXXX, reflects a change date of XXXX, which is 5 business days prior to the XXXX CD redisclosure and was not disclosed within 3 business day redisclosure requirement and insufficient cure was provided. Provide any missing disclosures. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | 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 |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-08-07): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (XXXX-08-07): (Rate Lock) PCCD docs provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | 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 |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower |  |  |  | Reviewer Comment (XXXX-08-07): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (XXXX-08-07): (Rate Lock) PCCD docs provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | 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 |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-08-07): XXXX received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Seller Comment (XXXX-08-07): (Rate Lock) PCCD docs provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | 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 |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  |  |  |  |  | Reviewer Comment (XXXX-08-19): Cleared.<br>Seller Comment (XXXX-08-14): (Rate Lock) HOI shows dwelling of $XXXX<br>Reviewer Comment (XXXX-08-07): Coverage is $XXXX and RCE is XXXX. Hazard coverage insufficient.<br>Seller Comment (XXXX-08-07): (Rate Lock) RCE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | 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 XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-12): Sufficient Cure Provided within 60 Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over XXXX) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX | 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 Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-12): Sufficient Cure Provided within 60 Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over XXXX) B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.54 is less than Guideline PITIA months reserves of 9.00. | Calculated PITIA months reserves of 2.54 is less than Guideline PITIA months reserves of 9.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 750 | XXXX | Reviewer Comment (XXXX-07-15): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-07-13): (Rate Lock) Exception provided<br>Reviewer Comment (XXXX-07-07): Calculated Available reserve as (Available Asset $XXXX - Exclude $EMD XXXX - Required fund at closing $XXXX - $30,650 Expenses = $XXXX Available for reserve/$XXXX PITIA = 2.54 months) is less than required 9 months reserve. No Bank statement or no supportive document received for reserve. Exception Remains.<br>Seller Comment (XXXX-07-02): (Rate Lock) I do not have access, please provide calculation of what assets are being included.<br>Reviewer Comment (XXXX-07-01): Please see Loan Asset Summary Report in XXXX which has all our figures for assets included.<br>Seller Comment (XXXX-06-27): (Rate Lock) Please provide calculation as we show over 9 months. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for Flip property with no improvements made since seller purchased and property was not publicly listed for sale. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 750 | XXXX | Reviewer Comment (XXXX-06-26): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved an exception for 1 x 30 mortgage late XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 750 | XXXX | Reviewer Comment (XXXX-06-26): Lender Exception provided with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Loan file is missing asset documents to meet the reserves requirements. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 750 | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX-07-24): The deposit on the sales contract earnest money for a purchase transaction is an eligible source of funds for both<br> the down payment and the closing costs.<br> Evidence earnest money deposit (EMD) check cleared the borrower's account must be verified, sourced, and<br> documented by either a copy of the canceled check, wire confirmation, or a written statement from the EMD<br> holder verifying receipt of the funds. (directly from the guidelines)<br>Seller Comment (XXXX-07-23): (Rate Lock) Please advise where this is referenced in guidelines. It is common practice to remove EMD from assets. There was plenty of funds in that account which we did deduct the EMD from the balance. This should not be an issue.<br>Reviewer Comment (XXXX-07-18): The account statements provided do no indicate a XXXXK deduction was made, we can't assume the EMD comes from this account by reducing the balance. We need supporting documentation for the EMD deposit, $XXXX.<br>Seller Comment (XXXX-07-16): (Rate Lock) It is not needed because it was deducted and this is acceptable per guidelines<br>Reviewer Comment (XXXX-07-16): The CPA letter provided indicates the Borrower is a 50% owner in the business you are referring to. Documentation of the EMT is required.<br>Seller Comment (XXXX-07-15): (Rate Lock) Deducted $XXXX EMD from Business checking. Plenty of assets for reserves. Ending balance on statement was $XXXX and we qualified the borrower with $XXXX<br>Reviewer Comment (XXXX-07-15): This is for EMD funds. Evidence the EMD cleared the borrower's account is missing. Without the EMD documentation, there will be 0 months reserves and the borrower will be short funds to close. This documentation is required.<br>Seller Comment (XXXX-07-13): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX. | Exclusion of EMD results in insufficient documented qualifying assets for closing of $XXXX. Required cash from borrower XXXX. Lender exception provided for insufficient reserves. |  |  |  | Reviewer Comment (XXXX-08-19): Provided. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | XXXX | 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. | Most Recent Valuation Inspection Date: XXXX <br> Disaster End Date: XXXX<br> Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING<br> Disaster Declaration Date: XXXX |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (XXXX-08-07): Disaster Inspection is dated the same as the end date.<br>Seller Comment (XXXX-08-07): (Rate Lock) Disaster report provided, showing completed XXXX date of end date. Please downgrade and waive | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property zoned RC (Commercial) which is ineligible per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same job more than 3 years. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of 0.00000% compared to the actual APR at consummation of 8.13341% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. |  |  |  |  | Reviewer Comment (XXXX-08-18): XXXX received LOA<br>Seller Comment (XXXX-08-15): (Rate Lock) Cert provided<br>Reviewer Comment (XXXX-08-13): XXXX CD D0347 - Pertinent sections of the CD are blank/missing and has been marked as incomplete. Please provide an attestation confirming this is not a consumer CD that was provided to the borrower. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Closing Disclosure was not received by borrower at least three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-18): XXXX received LOA<br>Reviewer Comment (XXXX-08-18): XXXX received LOE to remove incomplete CD dated XXXX not provided to borrower. However, there is not initial CD in file. Please provide copy of initial CD to re-review the exception.<br>Seller Comment (XXXX-08-15): (Rate Lock) APR increase was only XXXX and does not need to be viewed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-18): XXXX received LOA<br>Reviewer Comment (XXXX-08-18): XXXX received LOE to remove incomplete CD dated XXXX not provided to borrower. However, there is not initial CD in file. Please provide copy of initial CD to re-review the exception.<br>Seller Comment (XXXX-08-15): (Rate Lock) LOE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | No CD located in loan file prior to closing CD. Please provide copy of complete initial CD. |  |  |  | Reviewer Comment (XXXX-08-21): XXXX received initial CD.<br>Seller Comment (XXXX-08-20): (Rate Lock) ICD provided | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | XXXX | 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 Survey Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-12): Sufficient Cure Provided within 60 Days of Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over XXXX) B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 2x30 within 12 months, XXXX and XXXX XXXX 30 days lates. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for using business assets and less than 50% ownership. Borrower is only 25% owner and per guidelines needs to be 50%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Appraisal report dated XXXX missing evidence of receipt. |  |  |  | Reviewer Comment (XXXX-08-12): Lender accepts EV2.<br>Seller Comment (XXXX-08-08): (Rate Lock) Lender accepts the EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.39 is less than Guideline PITIA months reserves of 3.00. | PITIA reserves of 2.39 is less than guideline requirement of 3.00. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Documentation Type: 12mo CPA P&L<br> Disposable Income: $XXXX<br>1. DTI – borrower 30.9% vs. 50% - Rating Agency allows at 10% | XXXX | Reviewer Comment (XXXX-09-02): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-02): Approved lender exception.<br>Reviewer Comment (XXXX-08-14): Need Approved Lender Exception.<br>Reviewer Comment (XXXX-08-14): Please provide Approved Lender Exception form.<br>Reviewer Comment (XXXX-08-14): Lender exception with Compensating Factors.<br>Reviewer Comment (XXXX-08-14): Requesting a down grade to a 2 for compensating factors.<br> 1. DTI – borrower XXXX% - Rating Agency allows at 10%<br> 2. Disposable income: $XXXX (new mortgage) - $XXXX all debts on credit report = $XXXX in disposable income.<br> Rating Agency allows XXXX in disposable income. (if you use a different method - please share your method of calculating disposable income). Thank you for your time and consideration.<br>Reviewer Comment (XXXX-08-11): Shortage of $XXXX or .XXXX months.<br>Seller Comment (XXXX-08-11): Requesting for the second time: What is the exact shortage for reserves after giving consideration for Appraisal invoice for $XXXX paid with credit card and the reduced HOI policy cost, a $XXXX reduction that was paid through the closing-post closing. I will request a credit exception to match your final shortage. thank you<br>Reviewer Comment (XXXX-08-08): Please provide evidence of the funds the account came from to pay the POCs. Evidence of the funds clearing required.<br>Seller Comment (XXXX-08-07): Please confirm the exact shortage.<br>Seller Comment (XXXX-08-06): Please confirm you are adding back this appraisal POC with invoice for $XXXX and did give credit for the HOI invoice that was less than POC on the final CD. Final CD reflected $XXXX, receipt provided confirms the cost of HOI policy was $XXXX a difference of $XXXX<br>Reviewer Comment (XXXX-08-05): Cash back to borrower after POCs is $XXXXXXXX, which is XXXX mo reserves. 3 mon required.<br>Seller Comment (XXXX-08-01): Final CD, please include cash to borrower of $XXXX on this cash out refi to meet reserve requirements for borrower, as allowed by XXXX guidelines.<br>Seller Comment (XXXX-08-01): Home owners insurance paid receipt and policy,<br>Reviewer Comment (XXXX-07-07): Proceeds of refinance = $XXXX - $XXXX POCs = $XXXX. $XXXX required.<br>Seller Comment (XXXX-07-02): Please include cash to borrower on final CD, from this cash out refinance as reserves as allowed by XXXX guidelines. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | PITIA reserves of 2.39 is less than guideline requirement of 3.00 resulting in loan designation discrepancy. |  |  |  | Reviewer Comment (XXXX-08-14): Lender exception with Compensating Factors.<br>Reviewer Comment (XXXX-08-14): Requesting a down grade to a 2 for compensating factors.<br> 1. DTI – borrower XXXX% - Rating Agency allows at 10%<br> 2. Disposable income: $XXXX (new mortgage) - $XXXX all debts on credit report = $XXXX in disposable income.<br> Rating Agency allows XXXX in disposable income. (if you use a different method - please share your method of calculating disposable income). Thank you for your time and consideration.<br>Reviewer Comment (XXXX-08-11): Shortage of $XXXX or XXXX months.<br>Seller Comment (XXXX-08-11): Requesting for the second time: What is the exact shortage for reserves after giving consideration for Appraisal invoice for $XXXX paid with credit card and the reduced HOI policy cost, a $XXXX reduction that was paid through the closing-post closing. I will request a credit exception to match your final shortage. thank you<br>Reviewer Comment (XXXX-08-08): Please provide evidence of the funds the account came from to pay the POCs. Evidence of the funds clearing required.<br>Seller Comment (XXXX-08-07): Please confirm the exact shortage.<br>Seller Comment (XXXX-08-06): Please confirm you are adding back this appraisal POC with invoice for $XXXX and did give credit for the HOI invoice that was less than POC on the final CD. Final CD reflected $XXXX, receipt provided confirms the cost of HOI policy was $XXXX a difference of $XXXX<br>Reviewer Comment (XXXX-08-05): Cash back to borrower after POCs is $XXXX, which is XXXX mo reserves. 3 mon required.<br>Seller Comment (XXXX-08-01): Final CD, please include cash to borrower of $XXXX on this cash out refi to meet reserve requirements for borrower, as allowed by XXXX guidelines.<br>Seller Comment (XXXX-08-01): Home owners insurance paid receipt and policy,<br>Reviewer Comment (XXXX-07-07): Proceeds of refinance = $XXXX - $XXXX POCs = $XXXX. $XXXX required.<br>Seller Comment (XXXX-07-02): Please include cash to borrower on final CD, from this cash out refinance as reserves as allowed by XXXX guidelines. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | PITIA reserves of 2.39 is less than guideline requirement of 3.00. |  |  |  | Reviewer Comment (XXXX-08-14): Lender exception with Compensating Factors.<br>Reviewer Comment (XXXX-08-14): Requesting a down grade to a 2 for compensating factors.<br> 1. DTI – borrower 3XXXX% - Rating Agency allows at 10%<br> 2. Disposable income: XXXX – XXXX (new mortgage) - XXXX0 all debts on credit report = XXXX in disposable income.<br> Rating Agency allows XXXX in disposable income. (if you use a different method - please share your method of calculating disposable income). Thank you for your time and consideration.<br>Reviewer Comment (XXXX-08-11): Shortage of XXXX or .61 months.<br>Seller Comment (XXXX-08-11): Requesting for the second time: What is the exact shortage for reserves after giving consideration for Appraisal invoice for XXXX paid with credit card and the reduced HOI policy cost, a XXXX reduction that was paid through the closing-post closing. I will request a credit exception to match your final shortage. thank you<br>Reviewer Comment (XXXX-08-11): Proceeds of refinance = XXXX - XXXX POCs = XXXX. XXXX required. Shortgage: XXXX - XXXX = XXXX.<br>Seller Comment (XXXX-08-07): Please confirm the exact shortage.<br>Seller Comment (XXXX-08-06): Please confirm you are adding back this appraisal POC with invoice for XXXX and did give credit for the HOI invoice that was less than POC on the final CD. Final CD reflected XXXX2, receipt provided confirms the cost of HOI policy was XXXX6 a difference of XXXX6<br>Reviewer Comment (XXXX-08-05): Cash back to borrower after POCs is XXXX, which isXXXX mo reserves. 3 mon required.<br>Seller Comment (XXXX-08-01): Final CD, please include cash to borrower of XXXX on this cash out refi to meet reserve requirements for borrower, as allowed by XXXX guidelines.<br>Seller Comment (XXXX-08-01): Home owners insurance paid receipt and policy, meets reserve requirements<br>Reviewer Comment (XXXX-07-07): Proceeds of refinance = XXXX - XXXX POCs = XXXX. XXXX required.<br>Seller Comment (XXXX-07-02): Please include cash to borrower on final CD, from this cash out refinance as reserves as allowed by XXXX guidelines. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XXXX, Disbursement Date: XXXX | The Hazard Insurance Policy Effective Date is after the later of the note or transaction date. |  |  |  | Reviewer Comment (XXXX-08-11): Provided.<br>Seller Comment (XXXX-08-07): (Rate Lock) HOI provided showing effective XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | XXXX | 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. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-11): Client elects to waive.<br>Seller Comment (XXXX-08-07): (Rate Lock) Lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the appraisal using comparable sale 1(51.4 % gross adjustment) comparable sale 2 (44.2 net and 64.2% gross adjustment comparable sale 4(40.5 gross adjustment) and comparable rent 3 and 3 (19.5 and 28.32 miles subject respectably). | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Reserves: 81.56<br> Guideline Requirement: 9.00<br>Combined Loan to Value: 56.21622%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 56.21622%<br> Guideline Maximum Loan to Value: 75.00000% | XXXX | Reviewer Comment (XXXX-08-28): using comparable sale 1(XXXX % gross adjustment) comparable sale 2 (XXXX net and XXXX% gross adjustment comparable sale 4(XXXX gross adjustment) and comparable rent 3 and 3 (XXXX and XXXX miles subject respectably). | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116715 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (XXXX-08-11): Provided.<br>Seller Comment (XXXX-08-07): (Rate Lock) Addendum to the note | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | Yes |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX XXXX St, XXXXXXXXInsurance Verification | The Insurance Verification is missing for the REO property located at XXXX XXXX St. |  |  |  | Reviewer Comment (XXXX-08-14): Hazard covers both properties.<br>Reviewer Comment (XXXX-08-12): The XXXX address is not listedon the policy. Provide a document showing they are either the same property or thereis another policy.<br>Seller Comment (XXXX-08-08): (Rate Lock) HOI agent confirmed both properties are covered under the same policy - the premium is not broken out but qualifies using the full amount - please review and clear<br>Reviewer Comment (XXXX-08-05): XXXX XXXX information not provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX St, XXXXXXXXInsurance Verification | The Insurance Verification is missing for the REO property located at XXXX St. |  |  |  | Reviewer Comment (XXXX-08-12): Policy provided.<br>Seller Comment (XXXX-08-08): (Rate Lock) HOI agent confirmed both properties are covered under the same policy - the premium is not broken out but qualifies using the full amount - please review and clear<br>Reviewer Comment (XXXX-08-05): Property is vacant land, however it is shown on the XXXX Bureau policy. No evidence of premium provided.<br>Seller Comment (XXXX-08-01): (Rate Lock) This is vacant land that was purchased with XXXX XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved allowing to proceed with 8 NSF in the last 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Miscellaneous | Borrower has worked in same industry more than 5 years.<br>Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in same job more than 3 years.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-12): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX, XXXX, XXXX Insurance Verification | Insurance and Tax Verification are missing for the REO property located at XXXX. |  |  |  | Reviewer Comment (XXXX-08-12): Policy provided. Cleared.<br>Reviewer Comment (XXXX-08-11): HOI provided is from effective XXXX which is post close, Note date is XXXX.. Please provide evidence that the property was insured at the time of closing.<br>Seller Comment (XXXX-08-07): (Rate Lock) Broker went back to borrower and they provided the HOI that was uploaded<br>Reviewer Comment (XXXX-08-07): LOE not uploaded.<br>Reviewer Comment (XXXX-07-24): Provide letter from borrower stating there is no insurance on the property.<br>Reviewer Comment (XXXX-07-24): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Insurance Verification, Tax Verification<br>Seller Comment (XXXX-07-24): (Rate Lock) Property is owned free/clear - HOI is not needed please review<br>Reviewer Comment (XXXX-07-24): The property detail report provided indicates the home was built in XXXX, XXXX sqf, block XXXX... The online images do not clarify. An executed LOX from the borrower clarifying would be sufficient.<br>Seller Comment (XXXX-07-23): (Rate Lock) Per UW this is only land<br>Reviewer Comment (XXXX-07-18): Received the tax verification for the REO, still need a hazard policy to complete. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Account statement of XXXX XXXX XXXX Money market with balance of XXXX, is missing |  |  |  | Reviewer Comment (XXXX-08-20): Cleared.<br>Seller Comment (XXXX-08-18): (Rate Lock) XXXX CU XXXX has an ending balance of XXXX3.40 per XXXX statement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.77 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender approved exception for DSCR below 1. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-12): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX XXXX Account Statements - Business | XXXX Business Bank Statement missing from file. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | XXXX Business Bank Statement missing from file. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. Bank Statement provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to XXXX Business Bank Statement missing from file. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | XXXX Business Bank Statement missing from file. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 75 total NSFs/OD in the most recent 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has worked in same industry more than 5 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX XXXX | Fraud report for borrower1 is not provided. |  |  |  | Reviewer Comment (XXXX-08-08): Document provided.<br>Seller Comment (XXXX-08-06): (Rate Lock) Please see attached fraud reports for both guarantors | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.86 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Provide Lender exception Approval for DSCR calculation, Guidelines DSCR is 1 and calculated is less than 1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Reserves: 14.68<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 35.17%<br> Borrower's Own Funds Amount: $XXXX | XXXX | Reviewer Comment (XXXX-09-04): Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non-warrantable condo with the current year budget allocating for 1.33% for reserves. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Reserves: 14.68<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 35.17%<br> Borrower's Own Funds Amount: XXXX | XXXX | Reviewer Comment (XXXX-09-04): approved exception for non-warrantable condo with the current year budget allocating for XXXX% for reserves. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | XXXX | XXXX | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of XXXX is less than the note amount of XXXX based on the Preliminary in file. |  |  |  |  | Reviewer Comment (XXXX-08-11): Client elects to waive.<br>Seller Comment (XXXX-08-06): (Rate Lock) EV2 - accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Mortgage broker fee in the amount of XXXX exceeds tolerance of XXXX. No cure was provided to the borrower at closing. No valid change of circumstance in file. |  |  |  | Reviewer Comment (XXXX-08-26): XXXX received VCC LOE.<br>Reviewer Comment (XXXX-08-19): XXXX received LOE, however COC dated XXXX is not within 3 days of XXXX LE. Cure is required as the LE was not disclosed within 3 days of change. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Reviewer Comment (XXXX-08-11): XXXX received a valid changed circumstance dated XXXX for the rate changed to XXXX, but there is no LE dated within that time frame. Provide any missing LE to associate with the changed circumstance or provide changed circumstance for the LE dated XXXX or cure is required. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX Insufficient or no cure was provided to the borrower. XXXX | Lender Credit decreased at close. VCC does not give viable reason or details of that reason for the decrease. Cure is required. |  |  |  | Reviewer Comment (XXXX-09-05): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116727 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to proceed with as is appraisal with cost to cure of $XXXX for incomplete flooring. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-13): Client elects to waive.<br>Seller Comment (XXXX-08-11): Please waive EV 2 and close | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX Insufficient or no cure was provided to the borrower. XXXX | The Loan Discount Points were increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX-08-12): XXXX Receive Valid COC dated XXXX.<br>Seller Comment (XXXX-08-11): See attached VCOC for increase in discount points | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation discrepancy due to Co-borrower's VVOE is dated after the note date. |  |  |  | Reviewer Comment (XXXX-08-28): Loan is ATR Risk.<br>Seller Comment (XXXX-08-22): See attached credit exception and I have highlighted the comp factors<br>Reviewer Comment (XXXX-08-21): Please provide updated Lender Exception. The Comp Factors did not populate.<br>Seller Comment (XXXX-08-15): CB's income was verified using W2 transcripts obtained directly from the IRS.<br>Reviewer Comment (XXXX-08-15): Provide alternate documentation confirming that co-borrower was employed at origination. Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel.<br>Seller Comment (XXXX-08-13): See trailing docs for lender exception for VVOE after note date | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. (XXXX-XXXX XXXX/Wages) | Co-borrower's VVOE is dated after the note date. |  |  |  | Reviewer Comment (XXXX-08-29): Client elects to waive.<br>Reviewer Comment (XXXX-08-28): Regraded to EV2-B based on lender exception for missing VVOE. Lender used paystubs and W2 as alternate docs to employment verification.<br>Seller Comment (XXXX-08-22): see trailing docs.<br>Reviewer Comment (XXXX-08-21): Please provide updated Lender Exception. The Comp Factors did not populate.<br>Seller Comment (XXXX-08-15): Please see page 2 of the Credit exception that clearly states the CB Employment was verified using paystubs and W2's which are in the credit package.<br>Reviewer Comment (XXXX-08-15): VVOE dated post close. Provide alternate documentation confirming that co-borrower was employed at origination. Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel.<br>Seller Comment (XXXX-08-13): See attached lender credit exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Co- Borrower has worked in the same position for more than 3 years.<br>Loan to Value: 56.10390%<br> Guideline Maximum Loan to Value: 70.00000% | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive.<br>Reviewer Comment (XXXX-08-26): Cleared in error.<br>Reviewer Comment (XXXX-08-26): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-22): see trailing docs.<br>Reviewer Comment (XXXX-08-21): Please provide updated Lender Exception. The Comp Factors did not populate.<br>Seller Comment (XXXX-08-15): The CB' s income is verified by W2 tax transcripts obtained from the IRS | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | VVOE dated post close. Provide alternate documentation confirming that co-borrower was employed at origination. Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel. \*\*\*UPDATE XXXX- The following is not required : Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel. |  |  |  | Reviewer Comment (XXXX-08-29): Client elects to waive.<br>Reviewer Comment (XXXX-08-28): Regraded to EV2-B based on lender exception for missing VVOE. Lender used paystubs and W2 as alternate docs to employment verification.<br>Reviewer Comment (XXXX-08-26): Cleared in error.<br>Reviewer Comment (XXXX-08-26): Lender exception with compensating factors, system cleared.<br>Seller Comment (XXXX-08-22): see trailing docs.<br>Reviewer Comment (XXXX-08-21): Please provide updated Lender Exception. The Comp Factors did not populate.<br>Seller Comment (XXXX-08-15): CB's income was verified using W2 transcripts obtained directly from the IRS. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | VVOE dated post close. Provide alternate documentation confirming that co-borrower was employed at origination. Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel. \*\*\*UPDATE XXXX- The following is not required : Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel. |  |  |  | Reviewer Comment (XXXX-08-29): Client elects to waive.<br>Reviewer Comment (XXXX-08-28): Regraded to EV2-B based on lender exception for missing VVOE. Lender used paystubs and W2 as alternate docs to employment verification.<br>Reviewer Comment (XXXX-08-26): Cleared in error.<br>Reviewer Comment (XXXX-08-26): Lender exception with compensating factors, system cleared.<br>Seller Comment (XXXX-08-22): see trailing docs.<br>Reviewer Comment (XXXX-08-21): Please provide updated Lender Exception. The Comp Factors did not populate.<br>Seller Comment (XXXX-08-15): CB's income was verified using W2 transcripts obtained directly from the IRS. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VVOE dated post close. Provide alternate documentation confirming that co-borrower was employed at origination. Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel. \*\*\*UPDATE XXXX- The following is not required : Co-borrower employed by family owned business requires verification of co- borrower's status confirmation obtained from a CPA or legal counsel. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | Lender Exception with Compensating Factors provided.<br>Co- Borrower has worked in the same position for more than 3 years.<br>Loan to Value: 56.10390%<br> Guideline Maximum Loan to Value: 70.00000% | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive.<br>Reviewer Comment (XXXX-08-26): Cleared in error.<br>Reviewer Comment (XXXX-08-26): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-22): see trailing docs.<br>Reviewer Comment (XXXX-08-21): Please provide updated Lender Exception. The Comp Factors did not populate.<br>Seller Comment (XXXX-08-15): CB's income was verified using W2 transcripts obtained directly from the IRS. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | VVOE dated post close. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Co- Borrower has worked in the same position for more than 3 years.<br>Loan to Value: 56.10390%<br> Guideline Maximum Loan to Value: 70.00000%<br>697 FICO > 680 | XXXX | Reviewer Comment (XXXX-09-16): Lender Exception with Compensating Factors provided.<br>Reviewer Comment (XXXX-08-29): Client elects to waive.<br>Reviewer Comment (XXXX-08-28): Regraded to EV2-B based on lender exception for missing VVOE. Lender used paystubs and W2 as alternate docs to employment verification. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX-08-29): Client elects to waive.<br>Reviewer Comment (XXXX-08-28): Regraded to EV2-B based on lender exception for missing VVOE. Lender used paystubs and W2 as alternate docs to employment verification. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX-09-04): Excluded income not used in review<br>Seller Comment (XXXX-09-01): (Rate Lock) Please advise what the ATR risk is. This is a XXXX month bank statement and there is enough to suffice | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. (XXXX,XXXX XXXX XXXX LLC/Bank Statements) |  |  |  |  | Reviewer Comment (XXXX-09-04): Excluded income not used in review<br>Seller Comment (XXXX-09-01): (Rate Lock) Please advise what the ATR risk is. This is a XXXX month bank statement and there is enough to suffice | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay – Bank Statement Guidelines Require Less than 12 Months | Ability to Repay (Dodd-Frank 2014): Guidelines require less than 12 consecutive months bank statements. (XXXX,XXXX XXXX XXXX LLC/Bank Statements) |  |  |  |  | Reviewer Comment (XXXX-09-04): Excluded income not used in review<br>Seller Comment (XXXX-09-01): (Rate Lock) Please advise what the ATR risk is. This is a XXXX month bank statement and there is enough to suffice | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower having 2x30 in the last 12 months for mortgage history. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 13.51<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-08-29): Borrower has residual income of at least XXXX per month | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. | Credit Report: Original // Borrower: XXXX XXXX | Lender approved credit report over 90 days. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 13.51<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-04): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for project being in need of critical repairs. Extensive water damage to buildings A and B. Project to be fully completed by XXXX XXXX, XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum.<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX-08-15): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | XXXX | XXXX | Credit | Income | Document Error | Income | The number of continuance years supported is unknown. | Borrower: XXXX XXXX XXXX // Employment Type: Non-Employment Income / Income Type: VA Service Related Disability / Start Date: | Lender approved exception for borrower receiving VA dependancy and indemnity compensation and it does not reflect evidence of continuance. VA stated there is no letter available that stipulates continuance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum.<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX-08-15): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Investor Qualifying Residual income discrepancy. | Calculated investor qualifying disposable income of $XXXX is less than AUS required disposable income of XXXX.00. | Calculated investor qualifying disposable income of $XXXX is less than AUS required disposable income of XXXX.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum.<br>Housing payment history is 0x30x24 or better | XXXX | Reviewer Comment (XXXX-08-27): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Business Narrative | Business Narrative is missing. |  |  |  | Reviewer Comment (XXXX-08-26): Cleared.<br>Seller Comment (XXXX-08-25): (Rate Lock) calc provided<br>Seller Comment (XXXX-08-22): (Rate Lock) Narrative provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing business narrative and income calculation worksheet. unable to determine expense factor used for income calculation. |  |  |  | Reviewer Comment (XXXX-08-26): Cleared.<br>Seller Comment (XXXX-08-25): (Rate Lock) calc provided<br>Seller Comment (XXXX-08-22): (Rate Lock) Narrative provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan Designation mismatch due to missing business narrative. |  |  |  | Reviewer Comment (XXXX-08-26): Cleared.<br>Seller Comment (XXXX-08-25): (Rate Lock) calc provided<br>Seller Comment (XXXX-08-22): (Rate Lock) Narrative provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing business narrative. |  |  |  | Reviewer Comment (XXXX-08-26): Cleared.<br>Seller Comment (XXXX-08-25): (Rate Lock) calc provided<br>Seller Comment (XXXX-08-22): (Rate Lock) Narrative provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall due to missing business narrative. |  |  |  | Reviewer Comment (XXXX-08-26): Cleared.<br>Seller Comment (XXXX-08-25): (Rate Lock) calc provided<br>Seller Comment (XXXX-08-22): (Rate Lock) Narrative provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX-XXXX XXXX Account Statements - Personal | Missing the XXXX statements. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.<br>Seller Comment (XXXX-08-20): (Rate Lock) Statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Personal not provided |  | Missing bank statement for 11/XXXX. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.<br>Seller Comment (XXXX-08-20): (Rate Lock) Statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | Reviewer Comment (XXXX-09-10): Not high cost based on seller credit itemization.<br>Reviewer Comment (XXXX-08-29): Per our compliance department:<br>There are some concerns with just accepting the PCCD now showing XXXX of the XXXX,00 being applied to loan discounts as it does not appear this is how the transaction actually closed. Documentation in file reflects the loan discount was a borrower paid fee (full amount treated as a finance charge), and the seller credit was a general credit not to be applied to any specific fees. The XXXX Compliance report further called out the loan as a HOEPA loan with points and fees that match XXXX diligence testing fees.<br> Data Proof Sheet – page 1 (showing the full XXXX discount points as being paid by the borrower)<br> Data Proof Sheet – page 3 (showing that the seller credit was general, ie, not for specific fees)<br> Itemization of Amount Financed (showing the full XXXX discount points included in the lender's finance charge calculation)<br> XXXX (showing Federal fees exceed 5%).<br>Seller Comment (XXXX-08-27): (Rate Lock) Please escalate to compliance department the PCCD itemizing the seller credit. As previously mentioned, this resolves the high cost issue on its own without needing to cure.<br>Reviewer Comment (XXXX-08-27): Per our compliance department:<br> Cure is available on DF HOEPA loans which would need to be performed 30 days from consummation or 60 days from discovery. Cure would involve:<br> (1) Signed letter from borrower indicating their choice to either (a) accept a refund for the overage (XXXX) and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; <br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Seller Comment (XXXX-08-21): (Rate Lock) PCCD provided itemizing the seller credit out making points and fees XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | Reviewer Comment (XXXX-09-10): Not high cost based on seller credit itemization.<br>Reviewer Comment (XXXX-08-29): Per our compliance department:<br>There are some concerns with just accepting the PCCD now showing XXXX of the XXXX,00 being applied to loan discounts as it does not appear this is how the transaction actually closed. Documentation in file reflects the loan discount was a borrower paid fee (full amount treated as a finance charge), and the seller credit was a general credit not to be applied to any specific fees. The XXXX Compliance report further called out the loan as a HOEPA loan with points and fees that match XXXX diligence testing fees.<br> Data Proof Sheet – page 1 (showing the full XXXX discount points as being paid by the borrower)<br> Data Proof Sheet – page 3 (showing that the seller credit was general, ie, not for specific fees)<br> Itemization of Amount Financed (showing the full XXXX discount points included in the lender's finance charge calculation)<br> XXXX (showing Federal fees exceed 5%).<br>Seller Comment (XXXX-08-27): (Rate Lock) Please escalate to compliance department the PCCD itemizing the seller credit. As previously mentioned, this resolves the high cost issue on its own without needing to cure.<br>Reviewer Comment (XXXX-08-27): Per our compliance department:<br> Cure is available on DF HOEPA loans which would need to be performed 30 days from consummation or 60 days from discovery. Cure would involve:<br> (1) Signed letter from borrower indicating their choice to either (a) accept a refund for the overage (XXXX) and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; <br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Seller Comment (XXXX-08-21): (Rate Lock) PCCD provided itemizing the seller credit out making points and fees XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | Reviewer Comment (XXXX-09-10): Not high cost based on seller credit itemization.<br>Reviewer Comment (XXXX-08-29): Per our compliance department:<br>There are some concerns with just accepting the PCCD now showing XXXX of the XXXX,00 being applied to loan discounts as it does not appear this is how the transaction actually closed. Documentation in file reflects the loan discount was a borrower paid fee (full amount treated as a finance charge), and the seller credit was a general credit not to be applied to any specific fees. The XXXX Compliance report further called out the loan as a HOEPA loan with points and fees that match XXXX diligence testing fees.<br> Data Proof Sheet – page 1 (showing the full XXXX discount points as being paid by the borrower)<br> Data Proof Sheet – page 3 (showing that the seller credit was general, ie, not for specific fees)<br> Itemization of Amount Financed (showing the full XXXX discount points included in the lender's finance charge calculation)<br> XXXX (showing Federal fees exceed 5%).<br>Seller Comment (XXXX-08-27): (Rate Lock) Please escalate to compliance department the PCCD itemizing the seller credit. As previously mentioned, this resolves the high cost issue on its own without needing to cure.<br>Reviewer Comment (XXXX-08-27): Per our compliance department:<br> Cure is available on DF HOEPA loans which would need to be performed 30 days from consummation or 60 days from discovery. Cure would involve:<br> (1) Signed letter from borrower indicating their choice to either (a) accept a refund for the overage (XXXX) and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; <br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Seller Comment (XXXX-08-21): (Rate Lock) PCCD provided itemizing the seller credit out making points and fees XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. |  |  |  |  | Reviewer Comment (XXXX-09-10): Not high cost based on seller credit itemization.<br>Reviewer Comment (XXXX-08-29): Per our compliance department:<br>There are some concerns with just accepting the PCCD now showing XXXX of the XXXX,00 being applied to loan discounts as it does not appear this is how the transaction actually closed. Documentation in file reflects the loan discount was a borrower paid fee (full amount treated as a finance charge), and the seller credit was a general credit not to be applied to any specific fees. The XXXX Compliance report further called out the loan as a HOEPA loan with points and fees that match XXXX diligence testing fees.<br> Data Proof Sheet – page 1 (showing the full XXXX discount points as being paid by the borrower)<br> Data Proof Sheet – page 3 (showing that the seller credit was general, ie, not for specific fees)<br> Itemization of Amount Financed (showing the full XXXX discount points included in the lender's finance charge calculation)<br> XXXX (showing Federal fees exceed 5%).<br>Seller Comment (XXXX-08-27): (Rate Lock) Please escalate to compliance department the PCCD itemizing the seller credit. As previously mentioned, this resolves the high cost issue on its own without needing to cure.<br>Reviewer Comment (XXXX-08-27): Per our compliance department:<br> Cure is available on DF HOEPA loans which would need to be performed 30 days from consummation or 60 days from discovery. Cure would involve:<br> (1) Signed letter from borrower indicating their choice to either (a) accept a refund for the overage (XXXX) and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; <br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Seller Comment (XXXX-08-21): (Rate Lock) PCCD provided itemizing the seller credit out making points and fees XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of 5.67975% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXXX on a Federal Total Loan Amount of $XXXX vs. an allowable total of $XXXX (an overage of $XXXX or .67975%). Non-Compliant High Cost Loan. |  |  |  |  | Reviewer Comment (XXXX-09-10): Not high cost based on seller credit itemization.<br>Reviewer Comment (XXXX-08-29): Per our compliance department:<br>There are some concerns with just accepting the PCCD now showing XXXX of the XXXX,00 being applied to loan discounts as it does not appear this is how the transaction actually closed. Documentation in file reflects the loan discount was a borrower paid fee (full amount treated as a finance charge), and the seller credit was a general credit not to be applied to any specific fees. The XXXX Compliance report further called out the loan as a HOEPA loan with points and fees that match XXXX diligence testing fees.<br> Data Proof Sheet – page 1 (showing the full XXXX discount points as being paid by the borrower)<br> Data Proof Sheet – page 3 (showing that the seller credit was general, ie, not for specific fees)<br> Itemization of Amount Financed (showing the full XXXX discount points included in the lender's finance charge calculation)<br> XXXX (showing Federal fees exceed 5%).<br>Seller Comment (XXXX-08-27): (Rate Lock) Please escalate to compliance department the PCCD itemizing the seller credit. As previously mentioned, this resolves the high cost issue on its own without needing to cure.<br>Reviewer Comment (XXXX-08-27): Per our compliance department:<br> Cure is available on DF HOEPA loans which would need to be performed 30 days from consummation or 60 days from discovery. Cure would involve:<br> (1) Signed letter from borrower indicating their choice to either (a) accept a refund for the overage (XXXX) and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; <br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Seller Comment (XXXX-08-21): (Rate Lock) PCCD provided itemizing the seller credit out making points and fees XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | Reviewer Comment (XXXX-09-10): Not high cost based on seller credit itemization.<br>Reviewer Comment (XXXX-09-04): This has ben sent to CHD to review.<br>Seller Comment (XXXX-09-03): (Rate Lock) There is an amendment to the purchase contract that contains the language that XXXXK is to be applied to "other buyer's expenses" which includes origination charges; this is acceptable<br>Reviewer Comment (XXXX-08-29): Per our compliance department:<br>There are some concerns with just accepting the PCCD now showing XXXX of the XXXX,00 being applied to loan discounts as it does not appear this is how the transaction actually closed. Documentation in file reflects the loan discount was a borrower paid fee (full amount treated as a finance charge), and the seller credit was a general credit not to be applied to any specific fees. The XXXX Compliance report further called out the loan as a HOEPA loan with points and fees that match XXXX diligence testing fees.<br> Data Proof Sheet – page 1 (showing the full XXXX discount points as being paid by the borrower)<br> Data Proof Sheet – page 3 (showing that the seller credit was general, ie, not for specific fees)<br> Itemization of Amount Financed (showing the full XXXX discount points included in the lender's finance charge calculation)<br> Mavent (showing Federal fees exceed 5%).<br>Seller Comment (XXXX-08-27): (Rate Lock) Please escalate to compliance department the PCCD itemizing the seller credit. As previously mentioned, this resolves the high cost issue on its own without needing to cure.<br>Reviewer Comment (XXXX-08-27): Per our compliance department:<br> Cure is available on DF HOEPA loans which would need to be performed 30 days from consummation or 60 days from discovery. Cure would involve:<br> (1) Signed letter from borrower indicating their choice to either (a) accept a refund for the overage (XXXX) and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; <br> (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; <br> (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>Seller Comment (XXXX-08-21): (Rate Lock) PCCD provided itemizing the seller credit out making points and fees XXXX% | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient assets to cover reserves and LTV exceeding the guideline max. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.<br>Seller Comment (XXXX-08-20): (Rate Lock) Statement provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. XXXX | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (XXXX-08-21): XXXX receied CD and a valid COC.<br>Seller Comment (XXXX-08-20): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (XXXX-08-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (XXXX-08-20): (Rate Lock) Cure was applied at closing for this. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (XXXX-08-21): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception.<br>Seller Comment (XXXX-08-20): (Rate Lock) Cure was applied at closing for this. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing income bank statement for 11/XXXX. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.<br>Seller Comment (XXXX-08-20): (Rate Lock) Statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for subject having 2 ADU's, one of which is a log cabin. Subject also has a large workshop which includes a bathroom & kitchen. | Borrower has verified disposable income of at least XXXX.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | 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 89.47368% exceeds Guideline loan to value percentage of 75.00000%. | LTV exceeds guideline max of 75% for a borrower living rent free and the subject being in a declining market. | Borrower has verified disposable income of at least XXXX.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 89.47368% exceeds Guideline combined loan to value percentage of 75.00000%. | LTV exceeds guideline max of 75% for a borrower living rent free and the subject being in a declining market. | Borrower has verified disposable income of at least XXXX.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing bank statement for 11/XXXX. |  |  |  | Reviewer Comment (XXXX-08-22): Provided.<br>Seller Comment (XXXX-08-20): (Rate Lock) Statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing bank statement for 11/XXXX. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.<br>Seller Comment (XXXX-08-20): (Rate Lock) Statement provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-21): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-21): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | XXXX | 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. | Most Recent Valuation Inspection Date: XXXX <br> Disaster End Date: XXXX<br> Disaster Name: SEVERE STORMS, STRAIGHT-LINE WINDS, AND FLOODING<br> Disaster Declaration Date: XXXX | Need a post disaster property inspection report showing no damage to the subject property. | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster XXXX. | XXXX | Reviewer Comment (XXXX-08-21): Lender Exception with Comp Factors.<br>Reviewer Comment (XXXX-08-11): Property inspected post-disaster reflecting no damage; however, pre-disaster declaration end date.<br>Seller Comment (XXXX-08-07): (Rate Lock) Please see attached PDI showing property is free and clear of any disaster-related damage. Okay to waive and downgrade to EV2 if needed | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 3 of the 4 unites being XXXX which is under the XXXX minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-06): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower Exception Requested:<br>Housing rental payments partial cash, and paid by someone other than borrower (does not own LLC making payments). Therefore also asking for exception for 90% LTV (cannot prove rent came from borrower and max LTV for living rent free is 80%). | Borrower has verified disposable income of at least XXXX.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income (disposable income) of at least XXXX per month. | XXXX | Reviewer Comment (XXXX-08-12): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-08): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (XXXX-08-29): Cleared.<br>Seller Comment (XXXX-08-27): See attached initial 1003 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | Federal FACTA Disclosure Timing Test | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. |  |  |  |  | Reviewer Comment (XXXX-08-29): Cleared.<br>Seller Comment (XXXX-08-27): See attached Initial Disclosure package inventory and proof of delivery. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. |  |  |  |  | Reviewer Comment (XXXX-08-29): Cleared.<br>Seller Comment (XXXX-08-27): See attached Initial Disclosure package inventory and proof of delivery. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX Insufficient or no cure was provided to the borrower. XXXX | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (XXXX-08-28): XXXX received a valid COC.<br>Seller Comment (XXXX-08-27): See attached VCOC's for the discount point increases. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX XXXX 4506-C (XXXX), 4506-C (XXXX) | 4506-C (XXXX), 4506-C (XXXX) are missing |  |  |  | Reviewer Comment (XXXX-08-04): 4506 provided.<br>Seller Comment (XXXX-07-31): 4506<br>Reviewer Comment (XXXX-07-30): The bank statement income is for the Co-Borrower. The primary Borrower is a wage earner requiring the 4506-C for XXXX and XXXX.<br>Seller Comment (XXXX-07-28): This a Business Bank Statement Loan and is not based on tax return income. XXXX does not require a 4506 on Bank Statement loans. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | HPML findings result in ATR Risk. |  |  |  | Reviewer Comment (XXXX-08-04): 4506 provided.<br>Seller Comment (XXXX-07-31): 4506<br>Reviewer Comment (XXXX-07-30): The bank statement income is for the Co-Borrower. The primary Borrower is a wage earner requiring the 4506-C for XXXX and XXXX.<br>Seller Comment (XXXX-07-28): This a Business Bank Statement Loan and is not based on tax return income. XXXX does not require a 4506 on Bank Statement loans. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. XXXX | The Lender Credit was reduced on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received valid COC dated XXXX<br>Seller Comment (XXXX-08-01): COC<br>Reviewer Comment (XXXX-07-29): XXXX received COC dated XXXX but the lender credit was decreased on CD dated XXXX but no COC was provided for the same. A valid COC or cure would be required.<br>Seller Comment (XXXX-07-28): VCOC - form<br>Seller Comment (XXXX-07-28): Tracking<br>Seller Comment (XXXX-07-28): e-signed coc CD<br>Seller Comment (XXXX-07-28): The reason for a reduction in Lender Credits was due to a VCOC-providing COC-CD, Disclosure Tracking Details report confirming when this was emailed to the borrower and e-signed on XXXX and the COC form describing the valid change circumstance. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing income documents and HPML findings result in ATR Risk. |  |  |  | Reviewer Comment (XXXX-08-04): 4506 provided.<br>Seller Comment (XXXX-07-31): 4506<br>Reviewer Comment (XXXX-07-30): The bank statement income is for the Co-Borrower. The primary Borrower is a wage earner requiring the 4506-C for XXXX and XXXX.<br>Seller Comment (XXXX-07-28): This a Business Bank Statement Loan and is not based on tax return income. XXXX does not require a 4506 on Bank Statement loans. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | XXXX | 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. (Type:Primary/XXXX) | Provide evidence the borrower received copies of all appraisals at least 3 days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-14): Provided.<br>Seller Comment (XXXX-08-12): (Rate Lock) EV accept and please waive | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.95930% or Final Disclosure APR of 9.03400% is equal to or greater than the threshold of APOR 6.67% + 1.5%, or 8.17000%. Non-Compliant Higher Priced Mortgage Loan. | Provide evidence the borrower received copies of all appraisals at least 3 days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-14): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Provide evidence the borrower received copies of all appraisals at least 3 days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-14): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-12): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-08-08): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. (XXXX,XXXX XXXX XXXX/Partnership) | Exception is an ATR informative EV2 (non-material) exception and is set because, although extensions may have been filed, the loan is being qualified on income that is not considered most recent. Exception can be left open or waived as it cannot be cured or cleared. |  |  |  | Reviewer Comment (XXXX-08-12): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-08-08): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - XXXX XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XXXX are overdisclosed. (Final/XXXX) | Loan Disclosures: Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XXXX are over disclosed. |  |  |  | Reviewer Comment (XXXX-08-11): XXXX received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments Estimated Taxes, Insurance, & Assessments: Final Closing Disclosure provided on XXXX disclosed whether insurance is included in escrow in incorrect section. Creditor disclosed insurance cost to consumer in "Other" section where regulation requires insurance to be disclosure under "Homeowner's Insurance" section. Disclosure requirement met, non-material exception for incorrect format/placement. (Final/XXXX) | The exception added & is regraded to EV2-B as the HO6 is being disclosed to the consumer, just in the incorrect line item as it should be part of Homeowners Insurance, but instead was disclosed under Other. The amounts to be considered under the "Homeowner's Insurance" category are "Premiums or other charges for insurance against loss of or damage to property, or against liability arising out of the ownership or use of property…" (§1026.4(b)(8)). Given the disclosure was made to the consumer but just on the incorrect line item, we have regraded to EV2-B accordingly. |  |  |  | Reviewer Comment (XXXX-08-12): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-08-12): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use short term rental income on a cash-out refi where the borrower does not have 12 months history on the subject property. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date XXXX, Disbursement Date: XXXX | Hazard Insurance Policy Effective Date is XXXX. Hazard Insurance Policy Effective prior to closing XXXX is required. |  |  |  | Reviewer Comment (XXXX-08-29): Cleared.<br>Seller Comment (XXXX-08-27): (Rate Lock) Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.59503% or Final Disclosure APR of 8.63100% is equal to or greater than the threshold of APOR 6.67% + 1.5%, or 8.17000%. Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (XXXX-08-29): Cleared | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for seller not having to provide a 12 month VOM as there is family relationship. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income(disposable income) of at least XXXX per month.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | XXXX | Reviewer Comment (XXXX-08-27): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-25): (Rate Lock) Please down grade and clear | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for one year proof of rent with landlord ledger and borrower's bank statements. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income(disposable income) of at least XXXX per month.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | XXXX | Reviewer Comment (XXXX-08-27): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-25): (Rate Lock) Please down grade and clear | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116748 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 12 overdraft protection transfers from another account in the past 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income (disposable income) of at least XXXX per month. | XXXX | Reviewer Comment (XXXX-08-14): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116748 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a 30 day mortgage late in XXXX | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income (disposable income) of at least XXXX per month. | XXXX | Reviewer Comment (XXXX-08-14): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 660 is less than Guideline representative FICO score of 680. | FICO score of 660 is less than Guideline representative FICO score of 680. |  |  |  | Reviewer Comment (XXXX-08-08): Updated Guidelines provided. Cleared.<br>Seller Comment (XXXX-08-06): see attached<br>Reviewer Comment (XXXX-08-04): Email of Open Road Guidelines states to use for loans with Application date after XXXX. The App date for this loan is XXXX. Missing prior Open Road Guidelines.<br>Seller Comment (XXXX-07-31): See lock<br>Seller Comment (XXXX-07-31): This is open Road program and the XXXX score is within GL | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116753 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Incomplete Document: Note - Subject Lien is incomplete |  | Final Note document page 2 and 3 missing in loan file. |  |  |  | Reviewer Comment (XXXX-08-26): Provided.<br>Seller Comment (XXXX-08-22): (Rate Lock) Note provided | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Purchase | D A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XXXX | Appraisal Transfer Letter is missing. |  |  |  | Reviewer Comment (XXXX-09-02): Cleared.<br>Seller Comment (XXXX-08-28): (Rate Lock) the appraisal is reflecting XXXX name which is the lender name | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Lender Credit of $XXXX was disclosed on Loan Estimate dated XXXX, however decreased to XXXX on the Final Closing Disclosure without a valid change of circumstance. |  |  |  | Reviewer Comment (XXXX-08-29): XXXX received a valid COC.<br>Seller Comment (XXXX-08-28): (Rate Lock) Please see attached the COC for the initial CD showing broker comp increased due to loan amount change. and that was in the closing package Page. XXXX. Kindly review and clear the condition | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-09-02): Client accepts EV2<br>Seller Comment (XXXX-08-28): (Rate Lock) The appraisal dated XXXX, the proof of delivery dated XXXX, and the NOTE XXXX this is within the 3 days rule. we have the appraisal acknowledge in page 97 to 88, dated XXXX and signed on XXXX. Also, please be advised that this is not a HPML loan so kindly apply the EV2 exception . | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-12): Delivery Disclosure provided.<br>Seller Comment (XXXX-08-08): The form indicated that the borrower acknowledges they received the report via email. Why is this not acceptable. Please supply regulations to support your decision.<br>Reviewer Comment (XXXX-08-07): The acknowledgement form is not explicit documentation for evidence of delivery.<br>Seller Comment (XXXX-08-06): Please see borrower acknowledgement of receipt of the appraisal | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.08791% or Final Disclosure APR of 9.09600% is equal to or greater than the threshold of APOR 6.81% + 1.5%, or 8.31000%. Non-Compliant Higher Priced Mortgage Loan. | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (XXXX-08-12): Delivery Disclosure provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Loan considered to be "non-compliant" due to lack of explicit documentation to evidence delivery of the appraisal to the borrower. |  |  |  | Reviewer Comment (XXXX-08-12): Delivery Disclosure provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Subprime Loan (Counseling Disclosure Not Provided) | XXXX Subprime Loan: Counseling Disclosure not provided to borrower. |  |  |  |  | Reviewer Comment (XXXX-07-31): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-07-29): Please waive 2 and clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Subprime Loan (Subprime Legend Not on Mortgage) | XXXX Subprime Loan: Mortgage does not contain a legend stating that the subprime loan is subject to Section 6-m of the Banking XXXX. |  |  |  |  | Reviewer Comment (XXXX-07-31): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-07-29): Please waive 2 and clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | Provide the following: Letter of Explanation, corrected Mortgage (with required Legend), and proof of mailing. Best Practice would be to have signed and re-recorded Mortgage. (This will overwrite the existing Exception Remediation which reads: Provide the following: Corrected Mortgage (with required Legend), Letter of Explanation, and Proof of Delivery. Best Practice would be to have signed and re-recorded Mortgage.). A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX Subprime Home Loan Threshold Fixed Non-Compliant | XXXX Subprime Loan: APR on subject loan of 9.08791% or Final Disclosure APR of 9.09600% is in excess of allowable threshold of Prime Mortgage Market Rate 6.81000 + 1.75%, or 8.56000%. Non-Compliant SubPrime Loan. |  |  |  |  | Reviewer Comment (XXXX-07-31): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-07-29): Please waive 2 and clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Subprime Loan (Notice of Taxes and Insurance Not Provided) | XXXX Subprime Loan: Borrower not provided with Notice of Taxes and Insurance on 1st lien, subprime loan. |  |  |  |  | Reviewer Comment (XXXX-07-31): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-07-29): Please waive 2 and clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Final/XXXX) | Final Closing Disclosure XXXX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. |  |  |  | Reviewer Comment (XXXX-08-05): XXXX received seller CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | The CDA Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX-08-29): XXXX received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard Insurance Policy expires within 30 days of the Note Date. | Hazard Insurance Policy Expiration Date XXXX, Note Date XXXX | Hazard Insurance Policy expires - XXXX within 30 days of the Note Date - XXXX. |  |  |  | Reviewer Comment (XXXX-08-11): Provided.<br>Seller Comment (XXXX-08-07): (Rate Lock) Renewal provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | D A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Certificate of Good Standing provided not dated. |  |  |  | Reviewer Comment (XXXX-08-11): Provided.<br>Seller Comment (XXXX-08-07): (Rate Lock) COGs provided | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Refinance - Rate/Term | D A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116761 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Provided HUD is not executed by the borrower. |  |  |  | Reviewer Comment (XXXX-08-19): Provided.<br>Seller Comment (XXXX-08-14): (Rate Lock) Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116761 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.89 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR is less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history.<br>LTV less than 70%, AND at least 5% less than guideline maximum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-12): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Evidence the borrower was provided a copy of appraisal within 3 business days prior to consummation is missing. |  |  |  | Reviewer Comment (XXXX-07-30): Lender accepts EV2 grading<br>Seller Comment (XXXX-07-28): (Rate Lock) Lender accepts the EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Accounts XXXX and XXXX are business accounts and the ownership percentage of 50% was applied resulting in insufficient reserves. Loan file also missing shared ownership access letter from other business owners. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-26): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-08-21): (Rate Lock) Exception provided<br>Reviewer Comment (XXXX-08-19): Evidence of access to funds provided is dated post close.<br>Seller Comment (XXXX-08-15): (Rate Lock) Letter states the borrower has access to 100% funds. This is sufficient for reserves<br>Reviewer Comment (XXXX-08-13): Access letter provided. The amount of business assets that may be utilized is limited to the borrower's ownership percentage in<br> the business (unless 100% of ownership is held between the borrower and their spouse) which is 50%.<br>Seller Comment (XXXX-08-12): (Rate Lock) Equal access letter provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 4.03 is less than Guideline PITIA months reserves of 6.00. | Accounts XXXX are business accounts and the ownership percentage of 50% was applied resulting in insufficient reserves. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-26): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-08-21): (Rate Lock) Exception provided<br>Reviewer Comment (XXXX-08-19): Evidence of access to funds provided is dated post close.<br>Seller Comment (XXXX-08-15): (Rate Lock) Letter states the borrower has access to 100% funds. This is sufficient for reserves<br>Reviewer Comment (XXXX-08-13): Access letter provided. The amount of business assets that may be utilized is limited to the borrower's ownership percentage in<br> the business (unless 100% of ownership is held between the borrower and their spouse) which is 50%.<br>Seller Comment (XXXX-08-12): (Rate Lock) Equal access letter provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Accounts XXXX are business accounts and the ownership percentage of 50% was applied resulting in insufficient reserves. Loan file also missing shared ownership access letter from other business owners. |  |  |  | Reviewer Comment (XXXX-08-27): Client elects to waive.<br>Seller Comment (XXXX-08-27): (Rate Lock) Please waive EV2<br>Reviewer Comment (XXXX-08-26): Downgraded based on post-close lender exception for asset documentation deficiency. Comp factors approved by Senior Manager.<br>Seller Comment (XXXX-08-21): (Rate Lock) Exception provided<br>Reviewer Comment (XXXX-08-19): Evidence of access to funds provided is dated post close.<br>Seller Comment (XXXX-08-15): (Rate Lock) Letter states the borrower has access to 100% funds. This is sufficient for reserves<br>Reviewer Comment (XXXX-08-13): Access letter provided. The amount of business assets that may be utilized is limited to the borrower's ownership percentage in<br> the business (unless 100% of ownership is held between the borrower and their spouse) which is 50%.<br>Seller Comment (XXXX-08-12): (Rate Lock) Equal access letter provided | XXXX | XXXX | XXXX | 2 B C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | ATR Risk | Yes |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Accounts XXXX are business accounts and the ownership percentage of 50% was applied resulting in insufficient reserves. Loan file also missing shared ownership access letter from other business owners. |  |  |  | Reviewer Comment (XXXX-08-27): Client elects to waive.<br>Seller Comment (XXXX-08-27): (Rate Lock) Please waive EV2<br>Reviewer Comment (XXXX-08-26): Downgraded based on post-close lender exception for asset documentation deficiency. Comp factors approved by Senior Manager.<br>Seller Comment (XXXX-08-21): (Rate Lock) Exception provided<br>Reviewer Comment (XXXX-08-19): Evidence of access to funds provided is dated post close.<br>Seller Comment (XXXX-08-15): (Rate Lock) Letter states the borrower has access to 100% funds. This is sufficient for reserves<br>Reviewer Comment (XXXX-08-13): Access letter provided. The amount of business assets that may be utilized is limited to the borrower's ownership percentage in<br> the business (unless 100% of ownership is held between the borrower and their spouse) which is 50%.<br>Seller Comment (XXXX-08-12): (Rate Lock) Equal access letter provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Accounts XXXX are business accounts and the ownership percentage of 50% was applied resulting in insufficient reserves. Loan file also missing shared ownership access letter from other business owners. |  |  |  | Reviewer Comment (XXXX-08-27): Client elects to waive.<br>Seller Comment (XXXX-08-27): (Rate Lock) Please waive EV2<br>Reviewer Comment (XXXX-08-26): Downgraded based on post-close lender exception for asset documentation deficiency. Comp factors approved by Senior Manager.<br>Seller Comment (XXXX-08-21): (Rate Lock) Exception provided<br>Reviewer Comment (XXXX-08-19): Evidence of access to funds provided is dated post close.<br>Seller Comment (XXXX-08-15): (Rate Lock) Letter states the borrower has access to 100% funds. This is sufficient for reserves<br>Reviewer Comment (XXXX-08-13): Access letter provided. The amount of business assets that may be utilized is limited to the borrower's ownership percentage in<br> the business (unless 100% of ownership is held between the borrower and their spouse) which is 50%.<br>Seller Comment (XXXX-08-12): (Rate Lock) Equal access letter provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Evidence of access to funds provided is dated post close. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-26): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-08-21): (Rate Lock) Exception provided | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | ATR Risk | No |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Note Address "XXXX "Does not match with Hazard Insurance Address "XXXX St" |  |  |  | Reviewer Comment (XXXX-08-15): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | XXXX | XXXX | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Note Address "XXXX "Does not match with Flood Certificate Address "XXXX St" |  |  |  | Reviewer Comment (XXXX-08-15): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | XXXX | XXXX | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Note Address "XXXX "Does not match with Appraisal Address "XXXX St" |  |  |  | Reviewer Comment (XXXX-08-15): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment does not meet the guideline requirements. | Borrower: XXXX XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XXXX | Provide third party verification for Business XXXX Offices for boorower within 120 Calendar days prior to the Note Date | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 660<br> Representative FICO: 723 | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-08): (Rate Lock) Exception for VOE being dated post close | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - S-Corp Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX,XXXX XXXX Offices of XXXX XXXX, P. C./S-Corp) | Provide third party verification for Business XXXX Offices for boorower within 120 Calendar days prior to the Note Date. |  |  |  | Reviewer Comment (XXXX-08-20): Provided.<br>Reviewer Comment (XXXX-08-11): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: Ability-to-Repay (XXXX): Unable to verify current S-Corp status due to missing Tax Return/Transcript for the most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or other Third Party Verification. (XXXX,XXXX XXXX Offices of XXXX XXXX, XXXX)<br>Reviewer Comment (XXXX-08-11): The business or personal tax returns for XXXX not provided.<br>Seller Comment (XXXX-08-08): (Rate Lock) Exception for VOE being dated post close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XXXX, Most Recent Tax Return End Date XXXX, Tax Return Due Date XXXX. (XXXX,XXXX XXXX Offices of XXXX XXXX, P. C./S-Corp) | Missing third party verification for Business XXXX Offices for boorower within 120 Calendar days prior to the Note Date. |  |  |  | Reviewer Comment (XXXX-08-26): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-08-26): (Rate Lock) EV2 accept please waive<br>Reviewer Comment (XXXX-08-25): This exception can be waived.<br>Reviewer Comment (XXXX-08-25): This is an informational EV2 exception to identify that the tax returns are not in the file.<br>Seller Comment (XXXX-08-21): (Rate Lock) There is not XXXX tax returns, there was an extension provided. All documents for verifying the business were provided and all other conditions were cleared - please review this one.<br>Reviewer Comment (XXXX-08-20): Most recent tax returns not uploaded.<br>Reviewer Comment (XXXX-08-11): The business or personal tax returns for XXXX not provided.<br>Seller Comment (XXXX-08-08): (Rate Lock) Exception for VOE being dated post close | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | ATR fail due to missing recent tax return document for S-corp and third party verification. |  |  |  | Reviewer Comment (XXXX-08-20): Provided.<br>Reviewer Comment (XXXX-08-11): The business or personal tax returns for XXXX not provided. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Missing third party verification within 120 calendar days of the note date. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | Provide security instrument document for subject lien. |  |  |  | Reviewer Comment (XXXX-08-11): Provided. | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing third party verification for Business XXXX Offices for boorower within 120 calendar days prior to the Note Date |  |  |  | Reviewer Comment (XXXX-08-11): Lender exception with compensating factors, system cleared.<br>Seller Comment (XXXX-08-08): (Rate Lock) Exception for VOE being dated post close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Provide third party verification for Business XXXX Offices for boorower within 120 Calendar days prior to the Note Date. |  |  |  | Reviewer Comment (XXXX-08-11): Lender exception with compensating factors, system cleared.<br>Seller Comment (XXXX-08-08): (Rate Lock) Exception for VOE being dated post close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing third party verification for Business XXXX Offices for boorower within 120 Calendar days prior to the Note Date |  |  |  | Reviewer Comment (XXXX-08-11): Lender exception with compensating factors, system cleared.<br>Seller Comment (XXXX-08-08): (Rate Lock) Exception for VOE being dated post close | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D B C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (XXXX-08-21): Provided.<br>Seller Comment (XXXX-08-20): (Rate Lock) Fraud and 1008 with red flag comments provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX XXXX |  |  |  |  | Reviewer Comment (XXXX-08-21): Provided.<br>Seller Comment (XXXX-08-20): (Rate Lock) Fraud and 1008 with red flag comments provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. | Subject loan transaction disbursed on XXXX, prior to three (3) business days from transaction date of XXXX. |  |  |  | Reviewer Comment (XXXX-08-21): Provided.<br>Seller Comment (XXXX-08-17): (Rate Lock) Final signed CD shows borrowers funded XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Missing fraud report. |  |  |  | Reviewer Comment (XXXX-08-21): Provided.<br>Seller Comment (XXXX-08-20): (Rate Lock) Fraud and 1008 with red flag comments provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Overdisclosed - XXXX XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are overdisclosed. (Final/XXXX) | Escrowed Property Costs Year 1 amount is blank as per final closing disclosure (Issue date-XXXX) |  |  |  | Reviewer Comment (XXXX-08-22): XXXX received PCCD and LOE. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrowed Property Costs Year 1 Underdisclosed - XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Escrowed Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed. (Final/XXXX) | Escrowed Property Costs Year 1 amount is blank as per final closing disclosure (Issue date-XXXX) |  |  |  | Reviewer Comment (XXXX-08-22): XXXX received PCCD and LOE. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (XXXX-08-19): XXXX received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (XXXX-08-19): XXXX received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for property which appears to be unique in nature due to size of ADU andXXXXrage with compensating factors of FICO higher than 740, AND at least 20 points higher than guideline minimum; Qualifying DTI less than 35%, AND at least 10% less than guideline maximum; Borrower has worked in same job more than 3 years; Borrower has worked in same industry more than 5 years. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same job more than 3 years.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX XXXX Account Statements - Business | Business account statement XXXX for the month of XXXX XXXX is missing on file. |  |  |  | Reviewer Comment (XXXX-08-19): Provided.<br>Seller Comment (XXXX-08-14): (Rate Lock) Doc provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Business account statement XXXX for the month of XXXX XXXX is missing on file. |  |  |  | Reviewer Comment (XXXX-08-19): provided.<br>Seller Comment (XXXX-08-14): (Rate Lock) Doc provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Business account statement XXXX for the month of XXXX XXXX is missing on file. |  |  |  | Reviewer Comment (XXXX-08-19): Provided.<br>Seller Comment (XXXX-08-14): (Rate Lock) Doc provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Business account statement XXXX for the month of XXXX XXXX is missing on file. |  |  |  | Reviewer Comment (XXXX-08-19): Provided.<br>Seller Comment (XXXX-08-14): (Rate Lock) Doc provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Business account statement XXXX for the month of XXXX XXXX is missing on file. |  |  |  | Reviewer Comment (XXXX-08-19): Provided.<br>Seller Comment (XXXX-08-14): (Rate Lock) Doc provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for - To proceed with 9 NSF Instead of allowable 6. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income(disposable income) of at least XXXX per month.<br>Borrower has worked in the same position for more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for proceed with the use of 2 Separate Businesses that have been open less than 2 years. Both businesses Began in 03/XXXX. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income(disposable income) of at least XXXX per month.<br>Borrower has worked in the same position for more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender requested exception for proceed without treating as living rent free. Borrower lives with fiance and documented 12 month of history. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has verified residual income(disposable income) of at least XXXX per month.<br>Borrower has worked in the same position for more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Current rent of XXXX per appraisal. ADU occupied by family friend and does not pay rent. Lender Exception for DSCR less than 1 required. | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 57.66667%<br> Guideline Maximum Loan to Value: 70.00000%<br>Reserves: 71.74<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 725 | XXXX | Reviewer Comment (XXXX-09-04): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-31): (Rate Lock) Approved exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.88 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Loan to Value: 57.66667%<br> Guideline Maximum Loan to Value: 70.00000%<br>Reserves: 71.74<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 725 | XXXX | Reviewer Comment (XXXX-09-04): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (XXXX-08-06): Received the Initial 1003.<br>Seller Comment (XXXX-08-04): ATTACHED | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | XXXX | 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 $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX.00. Insufficient or no cure was provided to the borrower. (0) | Recording fee increased to $XXXX without a valid COC or sufficient cure provided. |  |  |  | Reviewer Comment (XXXX-08-12): XXXX received PCCD and LOE.<br>Reviewer Comment (XXXX-08-11): XXXX received corrected Closing disclosure and Final SS. However, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower to complete remediation. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Subject property is rural in a declining market. LTV of 80% exceeds Guidelines. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-07-28): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception is approved for: Requesting Exception to allow 75% of rental income, Lease date XXXX with evidence of 1st months rent. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Prior Housing Expense: $XXXX<br> Proposed Housing Expense: $XXXX<br>Reserves: 11.45<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 58.08%<br> Borrower's Own Funds Amount: $XXXX<br>Combined Loan to Value: 46.85703%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Combined Loan to Value: 46.85703%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 745 | XXXX | Reviewer Comment (XXXX-08-29): XXXX% of rental income, Lease date XXXX with evidence of 1st months rent. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Assignment of Leases and Rents Rider is missing. |  |  |  | Reviewer Comment (XXXX-09-04): cleared. Assignment of Leases/Rent rider provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower not provided in file. |  |  |  | Reviewer Comment (XXXX-09-04): waived at client request<br>Seller Comment (XXXX-09-03): (Rate Lock) Accept Ev2 please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for condo being XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 24.41<br> Guideline Requirement: 10.00<br>Loan Purpose: Refinance<br> Monthly Debt Reduction: -55.45499%<br>Guidelines Representative FICO: 660<br> Representative FICO: 811 | XXXX | Reviewer Comment (XXXX-08-28): LTV reduced XXXX% to XXXX% reserves is XXXX months plus XXXX more months total XXXX borrower has 24 month , FICO is XXXX plus XXXX point above total XXXX borrower is at XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use appraised value instead of purchase price as 6 months of seasoning has not been met. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | XXXX | Reviewer Comment (XXXX-08-12): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use note date instead of application date to meet continuity of obligation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | XXXX | Reviewer Comment (XXXX-08-12): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.85 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR is less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-01): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for appraisal notes that reflect that unit B does not have a cooktop/range installed as this unit uses a counter oven and cooktop. The borrower does not want to install a full-size oven, as they believe that will affect the aesthetics of the unit and its short-term rental appeal. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-15): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116783 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  |  | Reviewer Comment (XXXX-08-27): Cleared.<br>Seller Comment (XXXX-08-25): Disclosure<br>Seller Comment (XXXX-08-25): XXXX utilize a Unified Business Purpose Disclosure that includes ECOA-Right to Rec copy of Appraisal. Disclosure Tracking Details report confirms this document was emailed to the borrower day after application. Including copy of disclosure emailed to borrower. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116783 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use new appraisal value for LTV purposes. Subject was purchased on XXXX on a reverse 1031 exchange. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-27): Client elects to waive.<br>Seller Comment (XXXX-08-25): (Rate Lock) Lender accepts Ev2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-284.00. Insufficient or no cure was provided to the borrower. XXXX | Final Lender Credit of XXXX exceeds tolerance of $-XXXX |  |  |  | Reviewer Comment (XXXX-08-27): XXXX received a valid COC.<br>Seller Comment (XXXX-08-26): (Rate Lock) Confirmations provided showing corelating pricing adjustments<br>Reviewer Comment (XXXX-08-25): XXXX received COC stating loan amount change. However, the loan amount did not change proportionately with the lender credit decrease. Kindly provide a valid COC for the fee decrease or cure due to borrower. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (XXXX-08-25): (Rate Lock) CIC provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | 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 | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | XXXX | 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 $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX Insufficient or no cure was provided to the borrower. (0) | Total amount of $XXXX exceeds tolerance of $XXXX plus 10% or $XXXX. |  |  |  | Reviewer Comment (XXXX-09-10): XXXX received PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (XXXX-09-08): (Rate Lock) All docs provided<br>Reviewer Comment (XXXX-08-28): XXXX received LOX for rebuttal response and Lender states the baseline should be XXXX vs XXXX calculated amount of XXXX. Lender has included the Courier fee, Document preparation fee, endorsement fee recording service fee and Wire transfer fee in the 10% baseline. However, these fees were not charged to the borrower on the Final CD. A creditor should compare the sum of the charges actually paid by or imposed on the consumer with the sum of the estimated charges on the Loan Estimate that are actually performed. Provide a Corrected CD disclosing the tolerance cure of XXXX a copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.<br>Seller Comment (XXXX-08-27): (Rate Lock) LOE provided<br>Reviewer Comment (XXXX-08-27): XXXX received rebuttal. As per our calculation the Title- Settlement /Closing fee XXXX0 (Baseline) and XXXX CD side ; Title- Closing protection letter (Baseline) XXXX to XXXX (CD side); Title- Lender title insurance XXXX (Baseline) to XXXX (CD side); Recording fee (Baseline) XXXX to XXXX (CD side) ; Title- Recording Service fee (Baseline) XXXX to XXXX therefore the total cure require is XXXX. Kindly provide cure along with cure documents Post CD,LOX,Copy of refund check and proof of mailing.<br>Seller Comment (XXXX-08-26): (Rate Lock) Borrower did not shop, SSPL reflects title agent. Please confirm correct fee amount of calculation provided<br>Reviewer Comment (XXXX-08-25): XXXX received COC. Title fees were disclosed in Section B which are tested at 10% tolerance. Appears borrower shopped for title fees. Corrected CD moving the title fees to Section C and LOE to borrower required to cure.<br>Seller Comment (XXXX-08-25): (Rate Lock) ILE = (XXXX recording + XXXX4 title fees) = XXXX \* XXXX% = XXXX baseline<br> Final CD fees = (XXXX recording + XXXX title fees) = XXXX<br> Please confirm cure needed for XXXX | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | 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 | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 1x30 when 0x30 is required. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI less than 35% and at least 10% less than the guideline maximum. | XXXX | Reviewer Comment (XXXX-08-27): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-25): (Rate Lock) Please downgrade and clear | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-05): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-08-01): Elect to waive grade 2 and close out<br>Reviewer Comment (XXXX-07-31): We have delivery of the 6/3 appraisal. Please provide a copy of the XXXX appraisal to verify the value didn't change and delivery of the XXXX appraisal.<br>Seller Comment (XXXX-07-29): Appraisal delivery confirmation, sent 6/3 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. XXXX | Fee Amount of $XXXX exceeds tolerance of $XXXX. |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received COC dated XXXX<br>Seller Comment (XXXX-07-31): Credit exception that caused price change was approved on XXXX, day before closing and the pricing change.<br>Reviewer Comment (XXXX-07-30): XXXX received rebuttal comment and Rate lock document for the pricing changed. However, we also required additional information on what impacts that required to add the credit exception. Provide documentation of the reason for the credit exception added and to provide information supporting lender's knowledge of when they became aware of the pricing changed or Cure is due to borrower.<br>Seller Comment (XXXX-07-29): Locks<br>Seller Comment (XXXX-07-29): Providing Secondary Market Locks to show a pricing change of XXXX% for Guideline. (XXXX loan x XXXX% = XXXX0 + XXXX = XXXX) We had a credit exception the day prior to closing. Screen shots of most recent lock dates, showing date of change and uploading Locks | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | 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 | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow an appraisal ordered through the XXXX in XXXX's name. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-07-28): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow 1x30x6. Late occurred in XXXX. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-07-28): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX | 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 69.87952% exceeds Guideline loan to value percentage of 65.00000%. | LTV exceeds the guideline max of 65%. |  |  |  | Reviewer Comment (XXXX-08-05): Updated Guidelines provided.<br>Reviewer Comment (XXXX-07-31): We do not have those Guidelines. Please email a copy.<br>Seller Comment (XXXX-07-29): Please refer to XXXX guidelines, page 72 that do allow up to XXXX% LTV for cash-out on a second home for P&L loan program. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 69.87952% exceeds Guideline combined loan to value percentage of 65.00000%. | LTV exceeds the guideline max of 65%. |  |  |  | Reviewer Comment (XXXX-08-05): Updated Guidelines provided.<br>Reviewer Comment (XXXX-07-31): We do not have those Guidelines. Please email a copy.<br>Seller Comment (XXXX-07-29): Please refer to XXXX guidelines, page 72 that do allow up to 75% LTV for cash-out on a second home for P&L loan program. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for FTHB on investment property. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-07): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for use gift funds on an investment property. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-07): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | The disclosed Amount Financed in the amount of $XXXX is over disclosed by $XXXX compared to the calculated Amount Financed of $XXXX |  |  |  | Reviewer Comment (XXXX-09-04): XXXX received comment on fee purpose in section H as Real Estate Admin Fee | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | The disclosed Finance Charge in the amount of $XXXX is under disclosed by $XXXX compared to the calculated Finance Charge of $XXXX which exceeds the XXXX threshold. |  |  |  | Reviewer Comment (XXXX-09-04): XXXX received comment on fee purpose in section H as Real Estate Admin Fee | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for borrower has less than 2 years self-employment history and only two years industry experience rather than the 4 required per guidelines. | Borrower has verified disposable income of at least XXXX.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 27.88661% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for non-permanent resident alien with EAD Category C08 (XXXX). | Borrower has verified disposable income of at least XXXX.00.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | DTI: 27.88661% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | Bankruptcy Documents not provided. |  |  |  | Reviewer Comment (XXXX-08-15): Seasoned.<br>Seller Comment (XXXX-08-13): (Rate Lock) This was 4+ years ago no documentation needed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. | Initial escrow account statement was not provided to the borrower. |  |  |  | Reviewer Comment (XXXX-08-15): Client elects to waive.<br>Seller Comment (XXXX-08-13): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116790 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing to proceed with 7 NSF in the last 12 months when only 6 are permitted per guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Miscellaneous | Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in same job more than 3 years.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-06): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for HOA reserve allocation of 3.39% when 5% is the minimum. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 16+ years experience.<br>DTI: 3.77008% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX-08-06): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | File does not contain any documentation from lender to confirming the condo is warrantable. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 16+ years experience.<br>DTI: 3.77008% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-07): attached | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Interest rate on page 3 of the final HUD was not provided. |  | Interest Rate on page 2 of the Final HUD was not provided. |  |  |  | Reviewer Comment (XXXX-08-19): Client elects to waive.<br>Seller Comment (XXXX-08-15): lender accepts finding - please clr<br>Reviewer Comment (XXXX-08-11): Trailing HUD does not nterest Rate on page 2.<br>Seller Comment (XXXX-08-07): attached | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete HUD-1 | (Doc Error) HUD Error: Principal, interest and MI payment on page 3 of the final HUD was not provided. |  | Principal, Interest, & MI Payment on page 2 of the Final HUD was not provided. |  |  |  | Reviewer Comment (XXXX-08-19): Client elects to waive.<br>Seller Comment (XXXX-08-15): lender accepts finding - pls clr<br>Reviewer Comment (XXXX-08-11): Trailing HUD does not reflect Principal, Interest, & MI Payment on page 2<br>Seller Comment (XXXX-08-07): attached | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for HOA presale requirements of 69% sold when the minimum is 70%. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 16+ years experience.<br>DTI: 3.77008% <br> Guideline Maximum DTI: 50.00000% | XXXX | Reviewer Comment (XXXX-08-06): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A | Non QM | N/A | No |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a non arms length transaction. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-07): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | The earliest Closing Disclosure provided was issued XXXX and closing was XXXX. |  |  |  | Reviewer Comment (XXXX-08-05): XXXX received CD dated XXXX<br>Seller Comment (XXXX-08-04): (Rate Lock) ICD sent and viewed XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing missing in the file |  |  |  | Reviewer Comment (XXXX-09-04): cleared. Certificate of Good Standing provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing use of commercial insurance. | Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | # of Properties Completed: 14<br> # of Projects (last 24 months): <br> # of XXXX Projects Completed (purchased and exited):<br>Combined Loan to Value: 56.52004%<br> Guideline Maximum Combined Loan to Value: 75.00000%<br>Loan to Value: 56.52004%<br> Guideline Maximum Loan to Value: 75.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 786 | XXXX | Reviewer Comment (XXXX-08-28): Guidelines Representative FICO: XXXX<br> Representative FICO:XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | 1003 Initial - Lender's document is missing. |  |  |  | Reviewer Comment (XXXX-08-13): Client elects to waive.<br>Seller Comment (XXXX-08-11): Please waive EV2 and clear. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. XXXX | The Lender Credit was reduced on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX-08-14): XXXX received COC dated 07/29.<br>Seller Comment (XXXX-08-13): Please note the changes received date XXXX<br>Reviewer Comment (XXXX-08-11): XXXX received COC dated XXXX whereas the impounds are waived on XXXX CD. Kindly provide a valid COC for the lender credit decreased on XXXX for XXXX. Kindly provide a valid COC or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Reviewer Comment (XXXX-08-11): Erroneously cleared.<br>Reviewer Comment (XXXX-08-11): XXXX received a valid COC.<br>Seller Comment (XXXX-08-11): See attached VCOC | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Credit Report Fee was increased on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX-08-14): XXXX received Letter of Explanation, Proof of Delivery and Copy of Refund Check.<br>Seller Comment (XXXX-08-13): See attached PCCD, Refund check LOE and Fed ex label | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. | Valuation Type: Appraisal / Valuation Report Date: XXXX | The file is missing a completion report. |  |  |  | Reviewer Comment (XXXX-07-25): Received the completed appraisal, (as-is).<br>Seller Comment (XXXX-07-24): (Rate Lock) Appraisal marked as is provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | No evidence of appraisal being sent to borrower 3 days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-13): Client elects to waive.<br>Seller Comment (XXXX-08-11): Please wait EV 2 and close out exception. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Originator Loan Designation difference because the loan failed due to missing signed XXXX tax return in file. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.<br>Seller Comment (XXXX-08-20): See attached XXXX signed<br>Reviewer Comment (XXXX-08-19): Trailing 1120S for XXXX is signed and dated but 1120S for XXXX in file is not signed and dated.<br>Seller Comment (XXXX-08-14): See trailing docs for signed and dated income docs.<br>Reviewer Comment (XXXX-08-13): 1120S Business tax returns in file not signed and dated.<br>Seller Comment (XXXX-08-11): See attached there is no XXXX 1040 borrower has requested an extension. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - S-Corp | Ability to Repay (Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXXX,XXXX XXXX XXXX and XXXX LLC/S-Corp) | Require XXXX signed and dated tax return in file. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.<br>Seller Comment (XXXX-08-20): See trailing docs<br>Reviewer Comment (XXXX-08-19): Trailing 1120S for XXXX is signed and dated but 1120S for XXXX in file is not signed and dated.<br>Seller Comment (XXXX-08-14): See attached signed and dated income docs<br>Reviewer Comment (XXXX-08-13): 1120S Business tax returns in file not signed and dated.<br>Seller Comment (XXXX-08-11): See trailing docs. No XXXX 1040 as borrower has requested exception. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Require XXXX signed and dated tax return in file. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) | None of the copies of the initial Closing Disclosure in file are signed/dated; therefore, the "mailbox rule" is assumed and the presumed delivery date would not have been at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-13): XXXX received signed CD dated XXXX<br>Seller Comment (XXXX-08-12): See attached initial CD signed by borrowers XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | CD dated /XXXX is not signed/dated by the borrower and there is no other evidence in file of the date of the borrower's receipt. As such, the "mailbox rule" is applied and the presumed receipt date of the CD is XXXX which would not have been at least 3 business days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-20): XXXX received additional sequence of XXXX CD and valid changed circumstance.<br>Reviewer Comment (XXXX-08-19): CD dated XXXX with time stamp of XXXX is not signed/dated by the borrower and there is no other evidence in file of the date of the borrower's receipt.<br>Seller Comment (XXXX-08-19): Please see attached signed CD dated XXXX with APR that mirrors the final CD.<br>Reviewer Comment (XXXX-08-15): The issue is not the change but the timeline between the disclosure of the change and consummation. XXXX require that the consumer receives accurate disclosures with the actual terms of the transaction three (3) business days prior to consummation.<br>Seller Comment (XXXX-08-14): see trailing VCOC<br>Reviewer Comment (XXXX-08-13): Loan amount, interest rate, finance charge and APR increased on XXXX disclosure that was received on XXXX. Consummation took place on XXXX. Three day waiting period was not provided.<br>Seller Comment (XXXX-08-12): See trailing docs | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of 7.26100% compared to the actual APR at consummation of 8.03162% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction at least three (3) specific/precise business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under 1026.22, revised disclosures with an accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (7.261%) changed more than the 0.125% threshold compared to the actual/calculated APR at consummation (8.01054%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-20): XXXX received additional sequence of XXXX CD and valid changed circumstance.<br>Reviewer Comment (XXXX-08-15): The issue is not the change but the timeline between the disclosure of the change and consummation. 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction three (3) business days prior to consummation. This is a timing exception with no visible means of cure.<br>Seller Comment (XXXX-08-14): See the COC for the loan amount change<br>Reviewer Comment (XXXX-08-13): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of XXXX% compared to the actual APR at consummation of XXXX% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation.<br>Reviewer Comment (XXXX-08-13): Loan amount, interest rate, finance charge and APR increased on XXXX disclosure that was received on XXXX. Consummation took place on XXXX. Three day waiting period was not provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Property exceeds acreage allowed by Guidelines. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>65.67%<75% LTV | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Please provide Mortgage statement to verify monthly P&I. |  |  |  | Reviewer Comment (XXXX-08-13): Provided.<br>Seller Comment (XXXX-08-11): No Mortgage. See attached taxes and insurance attached. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX | Please provide Mortgage statement to verify monthly P&I. |  |  |  | Reviewer Comment (XXXX-08-13): Provided.<br>Seller Comment (XXXX-08-11): No mortgage - Free and clear see ins and tax info attached. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116800 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Initial closing disclosure is issues less than 6 days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-19): XXXX received CD dated XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116803 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  | Reviewer Comment (XXXX-08-11): Client elects to waive.<br>Seller Comment (XXXX-08-07): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.70 is less than Guideline PITIA months reserves of 6.00. | The borrower's assets were insufficient to satisfy 6 month reserve requirement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX<br>Combined Loan to Value: 69.97436%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Combined Loan to Value: 69.97436%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 817 | XXXX | Reviewer Comment (XXXX-09-04): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX-08-27): Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX<br> Have 12 month bank statement | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to reserve requirement not met. |  |  |  | Reviewer Comment (XXXX-09-04): Lender exception with compensating factors, system cleared. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The borrower's assets were insufficient to satisfy 6 month reserve requirement. |  |  |  | Reviewer Comment (XXXX-09-04): Lender exception with compensating factors, system cleared.<br>Reviewer Comment (XXXX-09-04): waived in error<br>Reviewer Comment (XXXX-08-27): Guidelines Representative FICO: XXXX<br> Representative FICO:XXXX<br> Have 12 month bank statement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for condo reserves <10% but >5%. Rood >15 year not covered. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX did not disclose whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX did not disclose whether the loan will have an escrow account on page 4. |  |  |  | Reviewer Comment (XXXX-08-13): XXXX received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are underdisclosed (Final/XXXX) | Amount of Estimated Property Costs over Year 1 of on Final Closing Disclosure provided on XXXX are under disclosed. |  |  |  | Reviewer Comment (XXXX-08-07): XXXX received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Page 4 of final CD does not reflect whether the loan will have an escrow account. |  |  |  | Reviewer Comment (XXXX-08-07): XXXX received Letter of Explanation & Corrected Closing Disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | 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. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-07-25): Lender accepts EV2 grading<br>Seller Comment (XXXX-07-24): (Rate Lock) EV2 accept and waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period |  |  |  | Reviewer Comment (XXXX-07-31): System cleared after Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-07-29): (Rate Lock) Exception approved | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period |  |  |  | Reviewer Comment (XXXX-07-31): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-07-29): (Rate Lock) Exception approved | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Non QM DTI moderately exceeds Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the 1026.43(c)(5) of 56.46% moderately exceeds the guideline maximum of 55.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>0x30x24 | XXXX | Reviewer Comment (XXXX-07-31): Lender Exception with Compensating Factors provided.<br>Seller Comment (XXXX-07-29): (Rate Lock) Exception approved | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account Statement Missing | RESPA: Initial escrow account statement was not provided to the borrower. |  |  |  |  | Reviewer Comment (XXXX-07-25): The Final CD indicates no escrow account.<br>Seller Comment (XXXX-07-24): (Rate Lock) Escrows were waived, this is not needed | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the appraisal using comparable rentals upwards of XXXX and comparable sales upwards of XXXX from the subject property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-19): (Rate Lock) Please see attached loan buyer approval for the exception<br>Reviewer Comment (XXXX-08-15): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification | Insurance Verification missing in REO Property address. |  |  |  | Reviewer Comment (XXXX-08-25): Hazard provided.<br>Seller Comment (XXXX-08-21): (Rate Lock) HOI provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | XXXX | 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. (Type:Primary/XXXX) | Appraisal report dated XXXX missing evidence of receipt |  |  |  | Reviewer Comment (XXXX-08-25): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-08-21): (Rate Lock) Lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to calculate self-employment income using only one year tax return and excluding the subject property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | XXXX | Reviewer Comment (XXXX-08-19): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | XXXX | 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. (Client:XXXX/XXXX) | Please provide the initial appraisal and any appraisal that reflects a value change. Please provide delivery of all appraisals. (Report in file reflects date of original report XXXX update.) |  |  |  | Reviewer Comment (XXXX-08-25): Client accepts EV2 and Waives.<br>Seller Comment (XXXX-08-21): (Rate Lock) Lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116810 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Missing initial Closing Disclosure. |  |  |  | Reviewer Comment (XXXX-08-15): XXXX received XXXX CD received 3 business days prior to consummation.<br>Seller Comment (XXXX-08-14): (Rate Lock) ICD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116811 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. XXXX | The Lender Credit was reduced on the CD dated XXXX, with no valid change provided. |  |  |  | Reviewer Comment (XXXX-07-29): XXXX received detailed COC dated XXXX.<br>Reviewer Comment (XXXX-07-25): XXXX received Changed Circumstance dated XXXX, but it does not give sufficient information on what impacts and why the UW exception was added to decrease the Lender credit. In order to determine if the changed circumstance is valid more information is necessary on reason for the pricing changed and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116811 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Asset Depletion exception required for not meeting minimum 1.5 times loan balance or XXXX . | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-07-23): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX | Qualifying Assets for Closing of $XXXX |  |  |  | Reviewer Comment (XXXX-09-08): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. | Calculated borrower's own funds of 2.37% is less than Guideline required borrower's own funds of 5.00%. | Calculated borrower's own funds of 2.37% is less than Guideline required borrower's own funds of 5.00%. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Verified and Captured the available assets, still Assets requirement not met, due to which this exception fired. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to insufficient assets in file to satisfy funds for closing and required reserves. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared.<br>Reviewer Comment (XXXX-09-05): No supporting documents uploaded. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Verified and Captured the available assets, still Assets requirement not met, due to which this exception fired. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared.<br>Reviewer Comment (XXXX-09-05): No supporting documents uploaded. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Initial closing disclosure is issues less than 6 days prior to closing. |  |  |  | Reviewer Comment (XXXX-09-05): XXXX received initial CD dated XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX Insufficient or no cure was provided to the borrower. XXXX | Loan Discount Points increased from $XXXX to $XXXX, an increase of $XXXX, without a valid changed circumstance document in file. No cure provided. |  |  |  | Reviewer Comment (XXXX-09-05): XXXX received CD dated XXXX and XXXX along with the COCs. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 10 OD's. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-25): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116813 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 4506-C (XXXX), 4506-C (XXXX)<br> 4506-C (XXXX), 4506-C (XXXX) | Signed 4506 C required for W2s |  |  |  | Reviewer Comment (XXXX-08-22): Cleared.. 4506C provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116813 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing signed 4506C for both borrowers. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for square footage being XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-07): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a 1 x 30 x 12 on a credit for a non subject property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Mortgage Statement missing for Address: XXXX XXXX Trl, XXXX | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 13.76<br> Guideline Requirement: 6.00<br>DTI: 32.26395% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 771 | XXXX | Reviewer Comment (XXXX-09-03): Document provided | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Mortgage Statement missing for Address: XXXX |  |  |  | Reviewer Comment (XXXX-09-05): Cleared.<br>Seller Comment (XXXX-09-05): (Rate Lock) Provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116826 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX |  |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-09): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116826 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification | Homeowner's insurance, HOA, and mortgage insurance verification missing for primary. |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-09): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX Prepayment Penalty Test | XXXX Prepayment Penalty: No prepayment penalties are permissible in the state of XXXX. Prepay language states prepay will not exceed maximum permitted by applicable XXXX. |  |  |  |  | Reviewer Comment (XXXX-09-02): Client elects to waive.<br>Seller Comment (XXXX-08-28): (Rate Lock) EV2 accept please clear | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has 8 overdrafts in the last 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Miscellaneous | Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in same job more than 3 years.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-28): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive.<br>Seller Comment (XXXX-08-18): (Rate Lock) Ev2 accept please waive<br>Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved allowing to use market rents as tenants are on a month to month lease with no formal agreement and not treat as vacant which requires 5% LTV adjustment. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive.<br>Seller Comment (XXXX-08-18): (Rate Lock) Ev2 accept please waive<br>Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XXXX-09-11): XXXX received CD dated XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. XXXX | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (XXXX-09-11): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. No appraisal or hybrid interior appraisal was provided with an effective date between application date and note date. Sec ID: 370 | Note Date: XXXX; Lien Position: 2 |  |  |  |  | Reviewer Comment (XXXX-09-05): Client elects to waive.<br>Seller Comment (XXXX-09-04): (Rate Lock) EV2 accept please waive<br>Seller Comment (XXXX-09-04): (Rate Lock) This was a transferred appraisal<br>Reviewer Comment (XXXX-08-28): Application date: XXXX. Note date XXXX. Effective date on both appraisals provided is XXXX which prior to application date. | XXXX | XXXX | XXXX | 2 A B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 5 overdrafts in the last 12 months which is under guidelines but 21 negative ending daily balances. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The refinance has decreased the borrower's monthly debt payments by 20% or more. |  | XXXX | Reviewer Comment (XXXX-08-22): Approved lender exception in file for overdrafts. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Provided Prior to Date Performed | ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/XXXX) | Please provide all copies of all appraisals and delivery of the reports. 1004 in file does not reference prior editions and if there was a change in value. |  |  |  | Reviewer Comment (XXXX-09-15): Client accepts EV2 and Waives. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing source of Earnest Money Deposit. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing source of Earnest Money Deposit. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing source of Earnest Money Deposit. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves due to missing source of Earnest Money Deposit. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing source of Earnest Money Deposit. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX | Missing source of Earnest Money Deposit. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Official Check not provided |  | Missing source of Earnest Money Deposit. |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-13): Client elects to waive.<br>Seller Comment (XXXX-08-11): (Rate Lock) Lender accepts the EV2 and wishes to proceed | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for paying off closed end second mortgage completed in XXXX. Guidelines require 6 months seasoning from subsequent transaction. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same industry more than 5 years<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 26.46923% <br> Guideline Maximum DTI: 55.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 794 | XXXX | Reviewer Comment (XXXX-08-05): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow use of all units rental income on borrower's investment XXXX purchase in XXXX when lease for units A, B, and D are on a month-to-month basis and Unit B only has evidence of security deposit and 1 month receipt due to recent XXXXs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | excludingXXXXrage income | XXXX | Reviewer Comment (XXXX-09-10): comp factors used to regrade exception<br>Reviewer Comment (XXXX-08-26): Lender approved exception to allow use of all units rental income on borrower's investment quadruplex purchase in XXXX when lease for units XXXX are on a month-to-month basis and Unit XXXX only has evidence of security deposit and XXXX month receipt due to recent XXXXs. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | XXXX | XXXX | Property | Appraisal | Appraisal Reconciliation | Appraisal | Missing secondary valuation viaDesk Review, Field Review, or 2nd URAR, as required by client. |  |  |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. CDA provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Signed and executed 4506-C required. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX 4506-C (XXXX), 4506-C (XXXX) | Signed and executed 4506-C required. |  |  |  | Reviewer Comment (XXXX-08-22): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property being located in XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects. | Sponsor states strong net worth of $XXXX per the loan application, and liquid assets of approximately $XXXX via cash-out proceeds resulting in 16 months of PITIA reserves.<br>Sponsor has 20 years of experience and owns and operates 20 other long-term rentals in XXXX and the surrounding area. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-11): (Rate Lock) Please see attached exception approval from the loan buyer | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approving 26 negative balances reflecting on income statements over the last 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-07): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | XXXX | 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 XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XXXX) | Initial LE electronically signed on XXXX and e-consent agreement is dated XXXX. |  |  |  | Reviewer Comment (XXXX-08-22): XXXX received updated E-sign Consent agreement with eConsent accepted by borrower on XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-21): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX exceeds tolerance of $XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-21): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (XXXX-08-28): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | (XXXX50(a)(6)) XXXX Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | XXXX Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. |  |  |  | Reviewer Comment (XXXX-08-28): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | Refund or credit the borrower XXXX and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of $XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) | Final Closing Disclosure provided on XXXX disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of XXXX is over disclosed by XXXX compared to the calculated Amount Financed of XXXX and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated XXXX). (Final/XXXX) |  |  |  | Reviewer Comment (XXXX-09-03): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by XXXX compared to the calculated Finance Charge of $XXXX which exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) | Loan Calculations: Final Closing Disclosure provided on XXXX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $XXXX is under disclosed by XXXX compared to the calculated Finance Charge of $XXXX exceeds the $XXXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XXXX). (Final/XXXX) |  |  |  | Reviewer Comment (XXXX-09-03): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) |  |  |  | Reviewer Comment (XXXX-08-27): XXXX received initial CD dated XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for multiple NSF's reflected on bank statements for income calculation. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has worked in same industry more than 5 years.<br>Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-21): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Home Improvement | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-09-02): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 677 is less than Guideline representative FICO score of 680. | Borrower's FICO of 677 is less than the guideline minimum of 680. |  |  |  | Reviewer Comment (XXXX-08-26): Cleared. Corrected FICO score | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a first time homebuyer purchasing an investment property. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (XXXX-08-21): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Missing Employer Identification Number. |  |  |  | Reviewer Comment (XXXX-08-19): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.89 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR is less than required as per guidelines of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Verification of rent for the primary residence is missing. |  |  |  | Reviewer Comment (XXXX-08-13): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-06): Lender accepts EV2 grading<br>Seller Comment (XXXX-08-05): waive EV 2 and Close | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116850 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.77 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender exception Approval for DSCR calculation, Guidelines DSCR is 1 and calculated is less than 1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116850 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Presale requirement is not met. Out of the 30 units; 13 are sold and closed and 1 is under contract. 12 investor units and one Owner Occupied | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116850 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | XXXX Bond coverage is less than 3 months of dues. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  |  | Reviewer Comment (XXXX-09-11): Client elects to waive.<br>Seller Comment (XXXX-09-09): (Rate Lock) Lender accepts Ev2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-09-08): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | XXXX | 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 82.05758% exceeds Guideline loan to value percentage of 80.00000%. |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 27.90506% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (XXXX-09-11): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-09): (Rate Lock) Please clear with these CFs<br>Reviewer Comment (XXXX-09-08): DTI less than 35%, AND at least 10% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than XXXX years; Borrower has verified residual income (disposable income) of at least XXXX per month | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 33 NSF in a 24 months period. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 24mo Bank Statement<br> Disposable Income: XXXX<br>Borrower has worked in the same position for more than 3 years.<br>DTI: 27.90506% <br> Guideline Maximum DTI: 43.00000% | XXXX | Reviewer Comment (XXXX-09-11): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-09): (Rate Lock) Please clear with these CFs<br>Reviewer Comment (XXXX-09-08): DTI less than XXXX%, AND at least 10% less than guideline maximum; Borrower has worked in same job more than XXXX years; Borrower has worked in same industry more than 5 years; Borrower has verified residual income (disposable income) of at least XXXX per month | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | XXXX | 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 XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Loan Disclosures: Final Closing Disclosure provided on XXXX did not disclosed why the loan will have an escrow account. |  |  |  | Reviewer Comment (XXXX-08-27): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (XXXX-08-25): Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-21): XXXX received initial CD.<br>Seller Comment (XXXX-08-20): (Rate Lock) ICD provided<br>Reviewer Comment (XXXX-08-18): XXXX: Initial CD is missing in file. Please provide copy of ICD to re-review the exception.<br>Seller Comment (XXXX-08-15): (Rate Lock) No change in APR therefore it is compliant per TRID | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-12): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | XXXX | 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 85.00000% exceeds Guideline loan to value percentage of 80.00000%. | Lender approved exception for LTV 85% when max is 80%. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same job more than 3 years.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 85.00000% exceeds Guideline combined loan to value percentage of 80.00000%. | Lender approved exception for CLTV 85% when max is 80%. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same job more than 3 years.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | XXXX | 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. (Type:Primary/XXXX) | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-19): Clients elects to waive.<br>Seller Comment (XXXX-08-15): (Rate Lock) Lender accepts EV2 and wishes to waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a rural investment property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Mortgage history dates back to 2011 0x30 | XXXX | Reviewer Comment (XXXX-08-11): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower Exception Requested:<br> NEW: 7.9% reserve allocation already marked as a non-warrantable condo. Master policy does not include inflation guard, and the HOA does not have sufficient master crime/XXXX insurance. They have XXXX in coverage and minimum is $XXXX (3 months of HOA dues)<br> DSCR Ratio <1 and using XXXX for calculation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 102.15<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 99.22%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: 770 | XXXX | Reviewer Comment (XXXX-09-05): XXXX% reserve allocation already marked as a non-warrantable condo. Master policy does not include inflation guard, and the HOA does not have sufficient master crime/XXXX insurance. They have XXXXK in coverage and minimum is XXXX (3 months of HOA dues) DSCR Ratio <1 and using XXXX for calculation. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.61 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 102.15<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 99.22%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: 770 | XXXX | Reviewer Comment (XXXX-09-05): Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | XXXX | 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 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Allow 80% LTV on a DSCR purchase of STR. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum.<br>Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-21): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | Allow 80% LTV on a DSCR purchase of STR. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The qualifying DSCR on the loan is greater than the guideline minimum.<br>Borrower's Experience/Track Record<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum.<br>Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-21): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX-08-28): Client elects to waive.<br>Seller Comment (XXXX-08-26): (Rate Lock) EV2 accept and waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-27): XXXX received initial CD.<br>Seller Comment (XXXX-08-26): (Rate Lock) ICD sent and received on XXXX please see attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to accept VOR for primary residence. Borrower was not able to provide 12 months cancelled checks or bank statements for proof of rent. | Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Housing payment history is 0x30x24 or better.<br>DTI less than 35%, AND at least 10% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116860 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure not provided to Borrower(s) at least three business days prior to closing. Missing initial Closing Disclosure. |  |  |  | Reviewer Comment (XXXX-08-19): XXXX received CD dated XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | XXXX | 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 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | The lender exception has been requested for property in a declining market 5% LTV reduction is required, request maximum is 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | The lender exception has been requested for property in a declining market 5% LTV reduction is required, request maximum is 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to allow non-Occupant co-borrower who is not relative but godfather. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide exception for Association has outstanding repairs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-11): Credit exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date XXXX; Disbursement Date: XXXX; Note Date: XXXX; Transaction Date: XXXX |  |  |  |  | Reviewer Comment (XXXX-08-20): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX | 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 XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Loan Disclosures: Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. |  |  |  | Reviewer Comment (XXXX-09-02): XXXX received Letter of explanation and Corrected Closing disclosure. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Rate/Term | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-19): XXXX received CD dated XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Rate/Term | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Valid change of circumstance or sufficient cure is missing. |  |  |  | Reviewer Comment (XXXX-09-02): XXXX received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of 7.57600% compared to the actual APR at consummation of 7.82442% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | Trailing Closing Disclosure issued XXXX missing evidence of receipt by borrower at least three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-28): XXXX received interim CD.<br>Reviewer Comment (XXXX-08-27): EXCEPTION HISTORY - Exception Detail was updated on XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of XXXX% compared to the actual APR at consummation of XXXX% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation.<br>Reviewer Comment (XXXX-08-26): 026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction three (3) business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under XXXX, revised disclosures with accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (XXXX%) changed more than the XXXX% threshold compared to the APR at consummation (XXXX%) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | Trailing Closing Disclosure issued XXXX missing evidence of receipt by borrower at least three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-28): XXXX received interim CD.<br>Reviewer Comment (XXXX-08-26): 1026.19(f)(1)(i) and (ii) require that the consumer receives accurate disclosures with the actual terms of the transaction three (3) business days prior to consummation. If the APR disclosed on the initial CD becomes inaccurate as defined under XXXX revised disclosures with accurate APR must be disclosed and a new 3-day waiting period prior to consummation provided. The APR on the most recent CD received 3 days prior to consummation (XXXX) changed more than the XXXX threshold compared to the APR at consummation (XXXX) and a revised disclosure with accurate APR was not received by the consumer at least 3 business days prior to consummation.<br>Seller Comment (XXXX-08-26): (Rate Lock) Did not change by more than .125 | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Rate/Term | TRID timing exception, no remediation available. C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116867 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.85 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116869 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | Missing supporting documentation for separate maintenance obligation. |  |  |  | Reviewer Comment (XXXX-09-05): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation discrepancy due to missing documentation showing gift funds were transferred at closing. |  |  |  | Reviewer Comment (XXXX-08-15): Cleared.<br>Seller Comment (XXXX-08-13): (Rate Lock) Wire showing funds sent at closing | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing documentation showing gift funds were transferred at closing. |  |  |  | Reviewer Comment (XXXX-08-15): Cleared.<br>Seller Comment (XXXX-08-13): (Rate Lock) Wire showing funds sent at closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | 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 XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Closing Disclosure dated XXXX does not state reason for not having an escrow account. |  |  |  | Reviewer Comment (XXXX-08-18): XXXX Received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (XXXX-08-17): (Rate Lock) PCCD provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-14): XXXX received initial CD.<br>Seller Comment (XXXX-08-13): (Rate Lock) ICD sent and received XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 1.27 is less than Guideline PITIA months reserves of 6.00. | Missing documentation showing gift funds were transferred at closing. |  |  |  | Reviewer Comment (XXXX-08-15): Cleared.<br>Seller Comment (XXXX-08-13): (Rate Lock) Wire showing funds sent at closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing documentation showing gift funds were transferred at closing. |  |  |  | Reviewer Comment (XXXX-08-15): Provided.<br>Seller Comment (XXXX-08-13): (Rate Lock) Wire showing funds sent at closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing documentation showing gift funds were transferred at closing. |  |  |  | Reviewer Comment (XXXX-08-15): Cleared.<br>Seller Comment (XXXX-08-13): (Rate Lock) Wire showing funds sent at closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116872 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.97 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-09-04): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. | Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. |  |  |  | Reviewer Comment (XXXX-08-26): Client elects to waive.<br>Seller Comment (XXXX-08-26): (Rate Lock) EV2 accept and waive<br>Reviewer Comment (XXXX-08-25): No trailing documentation provided. Exception is an EV2 which can be elected to waive. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | Misc. State Level | (XXXX50(a)(6)) XXXX Cash-out Loan (T-42 Endorsement Not Obtained) | XXXX Constitution Section 50(a)(6): Acceptable XXXX title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the XXXX T-42.1 endorsement. (The loan is a XXXX Section 50 (a)(6) home equity loan.) |  |  |  |  | Reviewer Comment (XXXX-08-25): Client elects to waive.<br>Seller Comment (XXXX-08-20): (Rate Lock) EV2 accept and waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-09-11): Client elects to waive.<br>Seller Comment (XXXX-09-10): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 13 overdrafts within the most recent 12 months when a max of 6 are allowed. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 27.67<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 718 | XXXX | Reviewer Comment (XXXX-09-05): Monthly reserves is verified AND at least 4 months more than guideline minimum; Housing payment history is XXXX or better; Borrower has verified residual income (disposable income) of at least XXXX per month; Borrower has worked in same industry more than 5 years; Borrower has worked in same job more than 3 years; Housing payment history is XXXX or better | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use 50% expense factor for a product business instead of 80% for over 5 employees. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 27.67<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 718 | XXXX | Reviewer Comment (XXXX-09-05): Monthly reserves is verified AND at least 4 months more than guideline minimum; Housing payment history is XXXX or better; Borrower has verified residual income (disposable income) of at least XXXX per month; Borrower has worked in same industry more than 5 years; Borrower has worked in same job more than 3 years; Housing payment history is XXXX or better | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is not provided in file | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 477.05<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 791 | XXXX | Reviewer Comment (XXXX-09-04): Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least XXXX pay history | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for subject being a newly constructed vacant rate-term refinance with a certificate of occupancy issued on XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 477.05<br> Guideline Requirement: 9.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 791 | XXXX | Reviewer Comment (XXXX-09-04): FICO higher than 740, AND at least 20 points higher than guideline minimum; Monthly reserves is verified AND at least 4 months more than guideline minimum; Qualifying DSCR higher than XXXXx, AND at least 0.1x higher than guideline minimum; Borrower has real estate investment experience as seasoned investor with more than XXXX prior investments displaying at least 0x30x12 pay history | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Corporate Resolution is missing. |  |  |  | Reviewer Comment (XXXX-08-13): Provided.<br>Seller Comment (XXXX-08-11): (Rate Lock) See attached LLC Borrowing Authorization | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing is missing. |  |  |  | Reviewer Comment (XXXX-08-13): Provided.<br>Seller Comment (XXXX-08-11): (Rate Lock) N/A - see attached Articles of Organization. The LLC was filed with the XXXX on XXXX making it a newly formed entity and not in existence for 90 days yet at time of the loan closing on XXXX. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for appraisal containing comparable sales from XXXX-XXXX, which exceed the standard 12 month seasoning requirement for comparable sales. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided.<br>Lender Exception with Compensating Factors provided. | XXXX | Reviewer Comment (XXXX-08-08): Lender Exception with Compensating Factors provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Provide Lender exception Approval for DSCR calculation, Guidelines DSCR is 1 and calculated is less than 1. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 5.08 is less than Guideline PITIA months reserves of 6.00. | Calculated PITIA months reserves of 5.08 is less than Guideline PITIA months reserves of 6.00. |  |  |  | Reviewer Comment (XXXX-09-04): Cleared.<br>Seller Comment (XXXX-09-02): (Rate Lock) Cert provided<br>Reviewer Comment (XXXX-08-29): Bank statement dated XXXX for #XXXX reflects final balance as XXXX not XXXX.<br>Seller Comment (XXXX-08-27): (Rate Lock) As per settlement statement the cash to close is XXXX<br> Total assets verified :XXXX<br> XXXX months of reserves verified. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Gift funds exceeding 10% of borrower contribution. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.78 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender approved exception at origination for DSCR score less than 1.00. Compensating factor FICO XXXX months in reserves. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-15): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.99 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Guidelines minimum DSCR requirement is 1.00, however calculated DSCR is 0.99. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 106.08<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-10): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX-09-09): DSCR requirement is 1.00, however calculated DSCR isXXXX. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal shows Neighborhood area as Rural. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 106.08<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-10): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX-09-09): Appraisal shows Neighborhood area as Rural. Per guidelines reduce LTV 5%, cash out refi XXXX% | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | XXXX | 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 72.97297% exceeds Guideline loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 106.08<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-10): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX-09-09): Appraisal shows Neighborhood area as Rural. Per guidelines reduce LTV 5%, cash out refi XXXX% | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 72.97297% exceeds Guideline combined loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 106.08<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-10): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX-09-09): Appraisal shows Neighborhood area as Rural. Per guidelines reduce LTV 5%, cash out refi XXXX% | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | XXXX | 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. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-09-04): Client elects to waive.<br>Seller Comment (XXXX-08-31): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Allow 11 NSF / Overdrafts in a 12 months period, Compensating Factor - Reserve verified and at least 4 months more than guideline minimum, Housing Payment History 0x30x24, Borrower has worked in same job more than 3 years, Borrower has worked in same industries more than 5 years | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has worked in same industry more than 5 years.<br>Housing payment history is 0x30x24 or better; Borrower has worked in same job more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - DTI is now at 49.554, Compensating Factor - Reserve verified and at least 4 months more than guideline minimum, Housing Payment History 0x30x24, Borrower has worked in same job more than 3 years, Borrower has worked in same industries more than 5 years | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has worked in same industry more than 5 years.<br>Housing payment history is 0x30x24 or better; Borrower has worked in same job more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | XXXX | 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. | Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. |  |  |  | Reviewer Comment (XXXX-08-27): Client elects to waive.<br>Seller Comment (XXXX-08-24): (Rate Lock) Lender acccepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Compliance | Subject to Rescission | Loan is subject to Rescission. |  |  |  |  | Reviewer Comment (XXXX-09-12): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan Designation discrepancy due to missing XXXX and XXXX tax return from file. |  |  |  | Reviewer Comment (XXXX-09-12): Cleared<br>Seller Comment (XXXX-09-05): (Rate Lock) extension provided<br>Reviewer Comment (XXXX-08-29): Missing signed and dated XXXX 1040s/ tax extension.<br>Seller Comment (XXXX-08-27): (Rate Lock) Attached signed XXXX tax returns and XXXX is on extension.<br>Reviewer Comment (XXXX-08-22): Looking for XXXX 1040s that are signed and dated<br>Seller Comment (XXXX-08-20): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less 25% | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. (XXXX,XXXX XXXX Trust Co/Schedule K-1 less than 25 Percent) | Require 1040 for XXXX and XXXX signed and dated. |  |  |  | Reviewer Comment (XXXX-09-12): Cleared<br>Seller Comment (XXXX-09-05): (Rate Lock) extension provided<br>Reviewer Comment (XXXX-08-29): Missing signed and dated XXXX 1040s/ tax extension.<br>Seller Comment (XXXX-08-27): (Rate Lock) Attached signed XXXX tax returns and XXXX is on extension.<br>Reviewer Comment (XXXX-08-22): Looking for XXXX 1040s that are signed and dated<br>Seller Comment (XXXX-08-20): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | 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 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. (XXXX,XXXX XXXX Trust Co/Schedule K-1 less than 25 Percent) | Require 1040 for XXXX and XXXX signed and dated. |  |  |  | Reviewer Comment (XXXX-09-12): Cleared<br>Seller Comment (XXXX-09-05): (Rate Lock) extension provided<br>Reviewer Comment (XXXX-08-29): Missing signed and dated XXXX 1040s/ tax extension.<br>Seller Comment (XXXX-08-27): (Rate Lock) Attached signed XXXX tax returns and XXXX is on extension.<br>Reviewer Comment (XXXX-08-22): Looking for XXXX/24 1040s that are signed and dated<br>Seller Comment (XXXX-08-20): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Require 1040 for XXXX and XXXX signed and dated. |  |  |  | Reviewer Comment (XXXX-09-12): Cleared | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing signed and dated 1040s for XXXX and XXXX. |  |  |  | Reviewer Comment (XXXX-09-12): Cleared<br>Seller Comment (XXXX-09-05): (Rate Lock) extension provided<br>Reviewer Comment (XXXX-08-29): Missing signed and dated XXXX 1040s/ tax extension.<br>Seller Comment (XXXX-08-27): (Rate Lock) Attached signed XXXX tax returns and XXXX is on extension.<br>Reviewer Comment (XXXX-08-22): Looking for XXXX 1040s that are signed and dated<br>Seller Comment (XXXX-08-20): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Missing signed and dated 1040s for XXXX and XXXX. |  |  |  | Reviewer Comment (XXXX-09-12): Cleared<br>Seller Comment (XXXX-09-05): (Rate Lock) extension provided<br>Reviewer Comment (XXXX-08-29): Missing signed and dated XXXX 1040s/ tax extension.<br>Seller Comment (XXXX-08-27): (Rate Lock) Attached signed XXXX tax returns and XXXX is on extension.<br>Reviewer Comment (XXXX-08-22): Looking for XXXX 1040s that are signed and dated<br>Seller Comment (XXXX-08-20): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to missing signed and dated 1040s for XXXX and XXXX. |  |  |  | Reviewer Comment (XXXX-09-12): Cleared.<br>Seller Comment (XXXX-09-05): (Rate Lock) extension provided<br>Reviewer Comment (XXXX-08-29): Missing signed and dated XXXX 1040s/ tax extension.<br>Seller Comment (XXXX-08-27): (Rate Lock) Attached signed XXXX tax returns and XXXX is on extension.<br>Reviewer Comment (XXXX-08-22): Looking for XXXX 1040s that are signed and dated<br>Seller Comment (XXXX-08-20): (Rate Lock) Docs provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX-09-12): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  |  |  |  |  | Reviewer Comment (XXXX-09-05): Cleared.<br>Reviewer Comment (XXXX-08-27): Please provide all pages of Approval | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116893 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower 2 having taken time off from ride sharing for a large portion of XXXX to pursue educational goals and did not start back up until XXXX. Co-borrower had held several self-employed professions over the past 5 years including utilizing ride share/delivery app services income to qualify without a full year receipt listed on bank statements. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower has worked in same industry more than 5 years.<br>Borrower has worked in same job more than 3 years.<br>Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-14): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Used monthly rent amount for DSCR calculation instead of market rent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-09-05): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-05): (Rate Lock) Approved exception already provided please clear | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116895 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.78 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR is less than the guideline minimum of 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116895 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for non warrantable condo for no reserves: HOA is allocating 0% reserves in XXXX & XXXX budget. They have roughly $XXXX in their current reserve account and over $XXXX per balance sheet. Most recent reserve study was completed in XXXX with no significant deferred maintenance noted.HOA had a XXXX XXXX defect settlement and state all defects have fully been resolved per email but do not have copies of all final inspections to provide. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization/Formation is not provided in file |  |  |  | Reviewer Comment (XXXX-09-05): Cleared. Articles of Organization provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116899 | XXXX | XXXX | XXXX | XXXX | Property | Appraisal | Appraisal Reconciliation | Appraisal | Secondary valuation via Desk Review or Field Review does not support the value used to qualify. |  |  |  |  |  | Reviewer Comment (XXXX-09-17): Field Report provided. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (XXXX-08-04): Client elects to waive.<br>Reviewer Comment (XXXX-08-04): If originator guides were not used this will remain and EV2.<br>Seller Comment (XXXX-08-01): the loan was origination according to the guides | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX Points and Fees | XXXX Points and Fees on subject loan of 9.99998% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXXX (XXXX). XXXX Finance Charge total $XXXX on a Original Loan Amount of $XXXX vs. an allowable total of XXXX.05 and $XXXX (XXXX) (an overage of XXXX.XXXX or 4.99998%). |  |  |  |  | Reviewer Comment (XXXX-08-04): Client elects to waive.<br>Seller Comment (XXXX-08-01): This loan is a non-QM loan, therefore points and fees test does not apply. Please waive or remove this exception. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Due diligence review based on non-origination guidelines (i.e. aggregator, seller). |  |  |  |  |  | Reviewer Comment (XXXX-08-04): Client elects to waive. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Closing Disclosure Issue Date Not Provided | TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on XXXX did not disclose the actual Date Issued. Unable to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to missing Issue Date. Tested using an estimated Date Issued based on best information available. (Initial/XXXX) | Closing Disclosure Issue Date Not Provided |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received LOA.<br>Seller Comment (XXXX-07-31): LOE<br>Reviewer Comment (XXXX-07-29): XXXX: Documents ID XXXX is incomplete the CD page #5 is blank and page#1 does not have loan product and loan ID. If the CD is not provided to the borrower, please provide Letter of Attestation indicating the document ID XXXX were never provided to the borrower and XXXX will review for re-testing.<br>Seller Comment (XXXX-07-28): his CD was issued XXXX, our apr did not change from initial CD to final CD<br>Seller Comment (XXXX-07-28): This was our Initial CD issued to the borrower, Initial CD, there is a date issued | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Good Faith Redisclosure C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) | Closing disclosure not signed |  |  |  | Reviewer Comment (XXXX-08-04): XXXX received LOA.<br>Reviewer Comment (XXXX-07-29): XXXX: Documents ID XXXX is incomplete the CD page #5 is blank and page#1 does not have loan product and loan ID. If the CD is not provided to the borrower, please provide Letter of Attestation indicating the document ID XXXX were never provided to the borrower and XXXX will review for re-testing.<br>Seller Comment (XXXX-07-28): this CD was issued XXXX, our apr did not change from initial CD to final CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. |  |  |  | Reviewer Comment (XXXX-08-21): XXXX received initial CD.<br>Seller Comment (XXXX-08-21): (Rate Lock) ICD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after XXXX contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation |  |  |  |  | Reviewer Comment (XXXX-08-25): XXXX received CD dated XXXX received to borrower on XXXX. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Application Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | XXXX received COC dated XXXX whereas the fee added on LE dated XXXX for $XXXX00. Kindly provide a valid COC for the fee added or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing. |  |  |  | Reviewer Comment (XXXX-09-09): XXXX received LOE to remove LE dated XXXX.<br>Seller Comment (XXXX-09-05): (Rate Lock) Cert provided<br>Reviewer Comment (XXXX-09-05): XXXX: Per TRID Grid 4.0, Additional Considerations Row 3, The TPR firm can exclude an LE or CD from consideration if it was not provided to the consumer. Acceptable documentation is a lender attestation that it was not provided to the consumer. (This is only applicable if the document is not acknowledged by the consumer.) Attestation should be in a separate document that can be included in the loan file. A Lender attestation preferably on letterhead and at a minimum signed by lender's authorized representative and reflecting their name & title along with additional information on the attestation regarding the clerical/bona fide error that occurred with an explanation of how it occurred notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.<br>Seller Comment (XXXX-09-03): (Rate Lock) Proof this was not sent to the borrower provided; since the borrower did not see, nor sign this isn't able to be considered in baseline. Please clear<br>Reviewer Comment (XXXX-09-03): XXXX received rebuttal, however as previous lender LE is provided in the file, we require confirmation that borrower has not proceeded with the previous lender. Please provide denial letter/supporting document to re-evaluate the exception.<br>Seller Comment (XXXX-08-29): (Rate Lock) This was not signed by the borrower, therefore is not to be considered for baseline fees. The obvious lender LE was dated XXXX and was signed by the borrower<br>Reviewer Comment (XXXX-08-29): SituXXXX received rebuttal, however we require denial letter/withdrawn letter for previous loan application as LE dated 06/18 is for same property and borrower. Please provide same to re-evaluate the exception.<br>Seller Comment (XXXX-08-27): (Rate Lock) This is clearly not our LE at it shows XXXX, not the XXXX. No cure is needed.<br>Reviewer Comment (XXXX-08-27): XXXX received rebuttal and LE dated XXXX, however fee is not disclosed on initial LE dated XXXX(DOC id XXXX) available file. A valid Changed Circumstance or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Seller Comment (XXXX-08-26): (Rate Lock) ILE provided shows fee at XXXX. Every CD additionally shows the same so no cure needed<br>Reviewer Comment (XXXX-08-25): XXXX received rebuttal comment. This exception is related to the Lender fee which was added on revised LE dated XXXX. The UW fee of XXXX was disclosed on initial LE which was removed on revised CD. Also, there is no valid COC in file for change and no cure provided for the increase in cost. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.<br>Seller Comment (XXXX-08-22): (Rate Lock) Please advise where the application fee is? Only see XXXX UW fee which was applied on ILE. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Additional 3-Day Waiting Period Timing Test – Regular Transaction | TILA-RESPA Integrated Disclosure – Most recent Closing Disclosure received at least 3 days prior to closing dated XXXX disclosed an inaccurate APR of 6.99500% compared to the actual APR at consummation of 7.40677% and a revised CD disclosing an accurate APR was not received by borrower at least three (3) business days prior to consummation. | XXXX Final CD reflects an increase in APR over tolerance which was over calculated APR which did allow 3 business day waiting period. Provide any missing CD's. |  |  |  | Reviewer Comment (XXXX-08-25): XXXX received interim CD.<br>Seller Comment (XXXX-08-22): (Rate Lock) APR increased XXXX and borrower viewed CD same day. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Certificate of Good Standing provided is not dated. |  |  |  | Reviewer Comment (XXXX-08-19): Provided.<br>Seller Comment (XXXX-08-15): (Rate Lock) Please see attached COGS | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three business days prior to closing. |  |  |  | Reviewer Comment (XXXX-09-02): Client accepts EV2.<br>Seller Comment (XXXX-08-28): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of 1,200.00 on Final Closing Disclosure provided on XXXX are overdisclosed. (Final/XXXX) | Loan Disclosures: Non-Escrowed Property Costs over Year 1 of 1,200.00 on Final Closing Disclosure provided on XXXX. |  |  |  | Reviewer Comment (XXXX-09-12): XXXX received corrected PCCD and LOE<br>Seller Comment (XXXX-09-11): (Rate Lock) LOE and PCCD provided<br>Reviewer Comment (XXXX-08-29): XXXX received comment. However as per the Appraisal report the HOA amount is XXXX per year. Therefore, we would require Post CD to reflect Non-Escrowed property cost over year 1 as XXXX along with LOX.<br>Seller Comment (XXXX-08-28): (Rate Lock) Please confirm what the amount should be<br>Reviewer Comment (XXXX-08-26): Non Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.59312% or Final Disclosure APR of 8.59800% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-20): Cleared.<br>Seller Comment (XXXX-08-19): See attached the XXXX appraisal delivery at least 3 days before the closing date.<br>Reviewer Comment (XXXX-08-14): Trailing appraisal notice is dated XXXX which is prior to appraisal report date of XXXX.<br>Seller Comment (XXXX-08-12): Please see attached proof that the borrower received the appraisal within 3 days of the closing,<br>Seller Comment (XXXX-08-12): Please see attached proof borrower recieved appraisal within 3 days of the closing. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) XXXX Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | XXXX Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. |  |  |  |  | Reviewer Comment (XXXX-08-14): Client elects to waive.<br>Seller Comment (XXXX-08-12): Please waive EV 2 and close | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State HPML | XXXX HPML Threshold Test Non-Compliant | XXXX Higher-Priced Mortgage Loan: APR on subject loan of 8.59312% or Final Disclosure APR of 8.59800% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Loan. |  |  |  |  | Reviewer Comment (XXXX-08-14): Client elects to waive.<br>Seller Comment (XXXX-08-12): Please waive EV 2 and close | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX/XXXX) | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. Report in file references a XXXX change. |  |  |  | Reviewer Comment (XXXX-08-20): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Client:XXXX/XXXX) | Please provide a copy of all appraisal reports and evidence they were provided to the borrower. Report in file references a XXXX change. |  |  |  | Reviewer Comment (XXXX-08-20): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) | Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. |  |  |  | Reviewer Comment (XXXX-09-05): XXXX received CD dated XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116906 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Shortfall of 46,289.00. |  |  |  | Reviewer Comment (XXXX-08-27): Cleared.<br>Seller Comment (XXXX-08-25): (Rate Lock) No RCE please refer to blanket policy | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date XXXX; Disbursement Date: XXXX; Note Date: XXXX; Transaction Date: XXXX | The Hazard Insurance Policy Effective Date XXXX is after Note date. |  |  |  | Reviewer Comment (XXXX-08-25): Updated Hazard provided.<br>Reviewer Comment (XXXX-08-25): EXCEPTION HISTORY - Exception Explanation was updated on XXXX PRIOR Exception Explanation: Hazard Insurance Policy Effective Date XXXX; Disbursement Date: XXXX; Note Date: XXXX; Transaction Date: XXXX<br>Seller Comment (XXXX-08-21): Please see attached. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX | 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. (Type:Primary/XXXX) | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared in error.<br>Reviewer Comment (XXXX-08-28): Cleared.<br>Seller Comment (XXXX-08-28): Letter of acknowledgement of receipt of appraisal by the borrower submitted.<br>Seller Comment (XXXX-08-28): Please find attached signed acknowledgement of receipt of the appraisal from the borrower.<br>Reviewer Comment (XXXX-08-25): There is no evidence of receipt by borrower, as such, three day mailbox rule applies which makes receipt XXXX.<br>Seller Comment (XXXX-08-21): Proof of delivery was on XXXX which is 3 days before closing. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX | 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. (Type:Secondary/XXXX) | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-09-03): Client elects to waive.<br>Reviewer Comment (XXXX-09-03): trailing doc<br>Reviewer Comment (XXXX-08-28): Client to waive.<br>Seller Comment (XXXX-08-28): Seller requests buyer review: Electing to waive this condition.<br>Reviewer Comment (XXXX-08-28): Missing acknowledge of receipt of secondary appraisal dated XXXX. Exception is an EV2 which can be elected to waive.<br>Reviewer Comment (XXXX-08-25): There is no evidence of receipt by borrower, as such, three day mailbox rule applies which makes receipt XXXX.<br>Seller Comment (XXXX-08-22): Appraisal was delivered to the borrower at least 3 days before closing. Additionally, appraisal waiver wa also executed by the borrower way before closing. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Primary/XXXX) | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared in error.<br>Reviewer Comment (XXXX-08-28): Cleared.<br>Seller Comment (XXXX-08-28): Please find attached signed acknowledgement of receipt of the appraisal from the borrower.<br>Reviewer Comment (XXXX-08-25): There is no evidence of receipt by borrower, as such, three day mailbox rule applies which makes receipt XXXX.<br>Seller Comment (XXXX-08-22): Please see attached appraisal waiver executed on XXXX. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 9.25104% or Final Disclosure APR of 9.31200% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared in error.<br>Reviewer Comment (XXXX-08-28): Cleared.<br>Seller Comment (XXXX-08-28): Letter of acknowledgement of receipt of appraisal by the borrower submitted.<br>Reviewer Comment (XXXX-08-25): There is no evidence of receipt by borrower, as such, three day mailbox rule applies which makes receipt XXXX.<br>Seller Comment (XXXX-08-22): We have the appraisal waiver on file and proof it was delivered at least 3 days before closing. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared in error.<br>Reviewer Comment (XXXX-08-28): Cleared.<br>Seller Comment (XXXX-08-28): See attached.<br>Reviewer Comment (XXXX-08-25): There is no evidence of receipt by borrower, as such, three day mailbox rule applies which makes receipt XXXX.<br>Seller Comment (XXXX-08-22): Appraisal waiver on file and proof it was delivered at least 3 days before closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Requesting an exception for excessive 1NSF/7-Overdraft/29-Daily negative ending balance in 12 months. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's Own Funds Percent: 20.76%<br> Borrower's Own Funds Amount: $XXXX | XXXX | Reviewer Comment (XXXX-08-29): Borrower's Own Funds Percent: XXXX%<br> Borrower's Own Funds Amount: XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | Reviewer Comment (XXXX-09-04): Cleared.<br>Seller Comment (XXXX-09-01): (Rate Lock) Delivery provided | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.88414% or Final Disclosure APR of 8.91200% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of 8.88414% or Final Disclosure APR of 8.91200% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (XXXX-09-04): Cleared.<br>Seller Comment (XXXX-09-01): (Rate Lock) Delivery provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  | Reviewer Comment (XXXX-09-04): Cleared.<br>Seller Comment (XXXX-09-01): (Rate Lock) Delivery provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.97 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.97 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 22.40<br> Guideline Requirement: 12.00<br>Borrower's Own Funds Percent: 49.91%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 709 | XXXX | Reviewer Comment (XXXX-09-02): Guidelines Representative FICO: XXXX<br> Representative FICO: XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification final Appraisal report was delivered to borrower at least 3 business days prior to closing was not provided. |  |  |  | Reviewer Comment (XXXX-09-04): Client elects to waive.<br>Seller Comment (XXXX-09-02): Please waive. Lender accepts the EV 2<br>Reviewer Comment (XXXX-09-02): Missing proof borrower received or downloaded appraisal emailed to them on XXXX. Using mailing time calculation borrower did not received copy of appraisal at least three business days prior to consummation date.<br>Seller Comment (XXXX-08-28): See attached appraisal and delivery | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116917 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-09-03): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116919 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the appraisal easement that states that the subject property is a servient tenant with the dominant tenant utilizing a portion of the subject property parcel for ingress and egress. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-14): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116919 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the title commitment easement related to ingress/egress of the neighboring property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>Seasoned Borrower/Investor whose experience exceeds 10 completed projects.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-14): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116921 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - 15 NSF's in the most recent 24 months, Guideline maximum is 6 per 12 months period. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has owned the subject property for at least 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors.<br>Lender Exception with Compensating Factors. | XXXX | Reviewer Comment (XXXX-08-19): Lender Exception with Compensating Factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX | Require one more month bank statement. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 19.58<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-02): 1 month acceptable | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | The hazard insurance coverage is insufficient. |  |  |  | Reviewer Comment (XXXX-09-05): Cleared.<br>Seller Comment (XXXX-09-03): (Rate Lock) RCE provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX-09-05): Client elects EV2.<br>Seller Comment (XXXX-09-03): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Statement | Mortgage Statement is missing in file REO property as "XXXX |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-08): (Rate Lock) REO provided<br>Reviewer Comment (XXXX-09-05): Uploaded CD is not for REO #XXXX<br>Seller Comment (XXXX-09-05): (Rate Lock) Final CD provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception at origination is provided for no current primary housing history and living rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) Please downgrade and clear/waive | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.78 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>LTV less than 70%, AND at least 5% less than guideline maximum. | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Looking to using business funds when only 25% owner (50%) required, Compensating Factor - Fico 804, DTI is less than 35%, Reserve 6 months, Residual income of XXXX per month, worked in same job more than 3 years, worked in same industry more than 65 years, | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's Own Funds Percent: 15.00%<br> Borrower's Own Funds Amount: $XXXX<br>DTI: 18.74750% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 812 | XXXX | Reviewer Comment (XXXX-09-08): using business funds when only XXXX% owner (50%) required, Compensating Factor - Fico XXXX, DTI is less than XXXX%, Reserve XXXX months, Residual income of XXXX per month, worked in same job more than 3 years, worked in same industry all of career. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116926 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow XXXX limited review which has deemed property non-warrantable when full review is required and to allow structural repairs that are not complete. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has worked in same industry more than 5 years.<br>Borrower has worked in same job more than 3 years.<br>Qualifying DTI less than 35%, AND at least 10% less than guideline maximum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-18): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of $XXXX is less than Cash From Borrower $XXXX |  | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 743 | XXXX | Reviewer Comment (XXXX-09-04): qualifying Assets for Closing of XXXX is less than Cash From Borrower XXXX. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Insufficient funds to close. Gift funds not reflected on final CD. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>Guidelines Representative FICO: 680<br> Representative FICO: 743 | XXXX | Reviewer Comment (XXXX-09-04): Gift funds not reflected on final CD. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.79 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Provide Lender exception Approval for DSCR calculation, Guidelines DSCR is 1 and calculated is less than 1. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower's Own Funds Percent: 27.85%<br> Borrower's Own Funds Amount: $XXXX<br>FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) Exceptions already approved | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | XXXX | 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 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV of 80% exceeds max of 75% on a loan with a DSCR less than 1.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower's Own Funds Percent: 27.85%<br> Borrower's Own Funds Amount: $XXXX<br>FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) Exceptions already approved | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | LTV of 80% exceeds max of 75% on a loan with a DSCR less than 1.00. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower's Own Funds Percent: 27.85%<br> Borrower's Own Funds Amount: $XXXX<br>FICO higher than 740, AND at least 20 points higher than guideline minimum.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) Exceptions already approved | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for the property being located in XXXX. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for prepayment penalty defined in the note as a five year declining structure. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | XXXX | 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 76.25000% exceeds Guideline loan to value percentage of 75.00000%. | LTV of 76.25% exceeds guideline max of 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 76.25000% exceeds Guideline combined loan to value percentage of 75.00000%. | LTV of 76.25% exceeds guideline max of 75%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-13): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Short Term Rental property consistently used as a seasonal or vacation rental (i.e., XXXX) and evidence of at least 12 months of Operating History is not present in the loan file. |  | Property is new XXXX, 12 months operating history not available. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better.<br>No derogatory accounts in the past 24 months. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-18): (Rate Lock) Please advise what is needed | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.81 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR less than 1.00 on a short term rental. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better.<br>No derogatory accounts in the past 24 months. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-18): (Rate Lock) CF updated please review | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 672 is less than Guideline representative FICO score of 700. | FICO less than 700 on a short term rental. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better.<br>No derogatory accounts in the past 24 months. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-18): (Rate Lock) CF updated please review | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for waived escrow. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better.<br>No derogatory accounts in the past 24 months. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-18): (Rate Lock) CF updated please review | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to allow use of XXXX for rental income as this is new XXXX. Provide additional compelling compensating factors for consideration of downgrading/waiving exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Miscellaneous<br>Miscellaneous | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Housing payment history is 0x30x24 or better.<br>No derogatory accounts in the past 24 months. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-18): (Rate Lock) CF updated please review | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bankruptcy Documents not provided |  | Bankruptcy Documents is not provided. |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-10): (Rate Lock) Shows XXXX years ago and discharged, nothing needed | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Qualification Method not Matching ATR | Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). |  |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-11): (Rate Lock) Checks of XXXX provided | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.91 is less than Guideline PITIA months reserves of 6.00. | Missing evidence of transfer of gift funds in the amount of XXXX. |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-11): (Rate Lock) Checks of XXXX provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | Missing evidence of transfer of gift funds in the amount of XXXX. |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-11): (Rate Lock) Checks of XXXX provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-11): (Rate Lock) Checks of XXXX provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) |  |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-11): (Rate Lock) Checks of XXXX provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Missing evidence of transfer of gift funds in the amount of XXXX. 6 months reserves requirement not met. |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-11): (Rate Lock) Checks of XXXX provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing donor check for $XXXX |  |  |  | Reviewer Comment (XXXX-09-11): Cleared.<br>Seller Comment (XXXX-09-11): (Rate Lock) Checks of XXXX provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.67 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | DSCR is less than the guideline minimum of 1.00. | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Occupancy: Investment<br>Combined Loan to Value: 47.49742%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 47.49742%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 791 | XXXX | Reviewer Comment (XXXX-09-05): Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use the higher lease amount without 3 months receipt. | Borrower has owned the subject property for at least 5 years.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Occupancy: Investment<br>Combined Loan to Value: 47.49742%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 47.49742%<br> Guideline Maximum Loan to Value: 80.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 791 | XXXX | Reviewer Comment (XXXX-09-05): Lender approved exception to use the higher lease amount without 3 months receipt. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116935 | XXXX | XXXX | XXXX | 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 (XXXX-09-11): Client elects to waive.<br>Seller Comment (XXXX-09-08): (Rate Lock) EV2 accept - please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116935 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Only CD provided is the final CD dated XXXX. |  |  |  | Reviewer Comment (XXXX-09-11): XXXX received initial CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116935 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX. Insufficient or no cure was provided to the borrower. XXXX | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-09-11): XXXX received a valid COC.<br>Seller Comment (XXXX-09-10): (Rate Lock) Exception approved on XXXX causing a pricing change | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116937 | XXXX | XXXX | XXXX | 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 XXXX incorrectly disclosed whether the loan will have an escrow account. (Final/XXXX) | Final Closing Disclosure provided on XXXX did not disclose reason why escrow account was waived. |  |  |  | Reviewer Comment (XXXX-08-28): XXXX received Letter of Explanation & Corrected Closing Disclosure.<br>Seller Comment (XXXX-08-27): Please find attached LOE and PCCD.<br>Reviewer Comment (XXXX-08-26): Final Closing Disclosure provided on XXXX incorrectly disclosed whether the loan will have an escrow account. Not marked Declined or Lender does not offer | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116938 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.79 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | The lender exception has been requested for DSCR < 1.00 and borrower lives rent free. The exception is approved with compensating factor FICO higher than 740 and at least 20 points higher than guideline minimum and monthly reserves are verified and at least 4 months more than guideline minimum. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (XXXX-09-05): Cleared.<br>Seller Comment (XXXX-09-03): (Rate Lock) 1007 is not required, not using rental income | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (XXXX-09-11): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | 4350116942 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception allowing rural property. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | FICO 773 vs min 720<br>Prior Mortgage History 4+ years 0x30. | XXXX | Reviewer Comment (XXXX-08-22): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 160.03<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 5.04%<br> Borrower's Own Funds Amount: $26,107.66<br>Guidelines Representative FICO: 660<br> Representative FICO: 812 | XXXX | Reviewer Comment (XXXX-08-28): Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for 13 overdrafts in 12-month period. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Reserves: 27.20<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 27.64%<br> Borrower's Own Funds Amount: $6XXXX<br>DTI: 7.16360% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 700<br> Representative FICO: 767 | XXXX | Reviewer Comment (XXXX-08-29): DTI less than XXXX% 10% less than guidelines housing history XXXX or better | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Waiver Less than 3 Days From Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Borrower provided appraisal waiver less than three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-29): Client accepts EV2.<br>Seller Comment (XXXX-08-27): (Rate Lock) Lender accepts EV2 | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for property not reflecting as typical for the area SFR with ADU. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 18.82<br> Guideline Requirement: 12.00<br>Borrower's Own Funds Percent: 38.58%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 790 | XXXX | Reviewer Comment (XXXX-09-03): Client accepts EV2.<br>Seller Comment (XXXX-08-29): (Rate Lock) Lender accepts please waive<br>Reviewer Comment (XXXX-08-28): Lender approved exception at origination for property not reflecting as typical for the area SFR with ADU | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | For self-employed borrowers, the existence of the business must be independently verified by two (2) years of business licenses or a CPA letter through disinterested third party within 10 business days of closing. The loan file should reflect documentation secured from these sources. Sources may include: CPA, regulatory agency or applicable licensing bureau. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Bank Statements | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (XXXX,XXXX XXXX XXXX Investments, LLC/Bank Statements) | For self-employed borrowers, the existence of the business must be independently verified by two (2) years of business licenses or a CPA letter through disinterested third party within 10 business days of closing. The loan file should reflect documentation secured from these sources. Sources may include: CPA, regulatory agency or applicable licensing bureau. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | For self-employed borrowers, the existence of the business must be independently verified by two (2) years of business licenses or a CPA letter through disinterested third party within 10 business days of closing. The loan file should reflect documentation secured from these sources. Sources may include: CPA, regulatory agency or applicable licensing bureau. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX Home Loan (Acknowledgement of Receipt of Complaint Agency Disclosure Not In File) | XXXX Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. |  |  |  | Reviewer Comment (XXXX-08-28): Provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrow Costs Year 1 Overdisclosed - XXXX | TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XXXX are overdisclosed. (Final/XXXX) |  |  |  |  | Reviewer Comment (XXXX-08-29): XXXX received corrected PCCD and LOE | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Third party verification missing from file. |  |  |  | Reviewer Comment (XXXX-08-28): Cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Third party verification missing from file. |  |  |  | Reviewer Comment (XXXX-09-02): Ceared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Waterfall due to third party verification missing from file. |  |  |  | Reviewer Comment (XXXX-09-02): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX-09-02): Cleared. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116948 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for investor concentration for this condominium complex at 88% when the maximum is 60%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.27 is greater than the minimum required DSCR of 1.00. | XXXX | Reviewer Comment (XXXX-08-20): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116949 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Investor concentration for this condominium complex is 88%, which exceeds the guideline maximum of 60%. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The qualifying DSCR on the loan is greater than the guideline minimum. | Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-21): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of $XXXX less than Guideline minimum loan amount XXXX |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 65.31<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 788 | XXXX | Reviewer Comment (XXXX-09-05): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-05): Updated Approved Credit Exception, please review the bottom of the doc, #XXXX compensating factors. All are listed on the Rating Agency list that Situs has provided. XXXX-Reserves-XXXXmonths vs.XXXX, #11-Owns subject property for more than 5 years.<br>Reviewer Comment (XXXX-09-02): Please provide compelling compensating factors for consideration of downgrading/waiving exception.<br>Seller Comment (XXXX-08-28): Credit exception for loan amount | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Budget for Capital Reserves is 2.66% vs minimum guideline requirement of up to 5%. Per XXXX XXXX property insurance covers approx 80% of the RC value of the project. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 65.31<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 788 | XXXX | Reviewer Comment (XXXX-09-05): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-05): Updated Approved Credit Exception, please review the bottom of the doc, #XXXX compensating factors. All are listed on the Rating Agency list that Situs has provided. #XXXX vs. 720, #10-Reserves-XXXXmonths vs. 3, #11-Owns subject property for more than 5 years.<br>Reviewer Comment (XXXX-09-02): Please provide compelling compensating factors for consideration of downgrading/waiving exception.<br>Seller Comment (XXXX-08-28): Credit exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard insurance coverage amount is insufficient. Coverage amount required to cover the lesser of the Replacement Cost or the Loan amount per guidelines. | Coverage: ; Extended Replacement Coverage: ;<br> Loan Amount: $XXXX;<br> Cost New: | Lender Exception: Approved Lender Exception - Requesting exception to HOA property insurnace is not settled at replacement cost of the project. Compensating Factor - Estabished condo, 56% owner occ, No litigation, Single Entity is 3.75%, Commercial space is 0%, Delinquency is 2.5%, Per XXXX property insurnace covers approx 80% of the RC value of the project. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 65.31<br> Guideline Requirement: 3.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 788 | XXXX | Reviewer Comment (XXXX-09-05): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-05): Updated Approved Credit Exception, please review the bottom of the doc, #9, #10, #11 compensating factors. All are listed on the Rating Agency list that Situs has provided. #9-Fico-788 vs. 720, #10-Reserves-50months vs. 3, #11-Owns subject property for more than 5 years.<br>Reviewer Comment (XXXX-09-02): Please provide compelling compensating factors for consideration of downgrading/waiving exception.<br>Seller Comment (XXXX-08-28): This is a condo, structure covered by blanket policy. You are referring to HO6 policy for "walls in" interior only and XXXX is more than sufficient. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property purchased in last 6 months. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-28): Client elects to waive with compensating factors | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.80 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.80 does not meet Guideline Debt Service Coverage Ratio 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-28): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - borrower is first time investor, Compensating Factor - Fico score 779. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 12.84<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 32.76%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 779 | XXXX | Reviewer Comment (XXXX-09-11): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-10): (Rate Lock) Exception already approved<br>Reviewer Comment (XXXX-09-09): borrower is first time investor, Compensating Factor - Fico score XXXX. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.87 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 12.84<br> Guideline Requirement: 6.00<br>Borrower's Own Funds Percent: 32.76%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 779 | XXXX | Reviewer Comment (XXXX-09-11): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-10): (Rate Lock) Exception already approved<br>Reviewer Comment (XXXX-09-09): XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) |  |  |  |  | Reviewer Comment (XXXX-09-02): Client accepts EV2.<br>Seller Comment (XXXX-08-28): (Rate Lock) EV2 accepted please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (XXXX-09-05): Client elects to waive.<br>Seller Comment (XXXX-09-03): (Rate Lock) Accept EV2 please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | XXXX | 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 XXXX exceeds tolerance of XXXX plus 10% or $XXXX.00. Insufficient or no cure was provided to the borrower. (0) | No valid Change of circumstance provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (XXXX-09-11): XXXX received PCCD, LOE and FSS. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX00. Insufficient or no cure was provided to the borrower. XXXX | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-08-22): XXXX Received Valid COC dated XXXX.<br>Seller Comment (XXXX-08-21): There was another lock extension prior to closing. Providing copy of XXXX lock that shows pricing change, increasing Loan Discount Points to XXXX at a final cost of XXXX6. Including notes from Encompass Final docs and final CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.94 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Provide Lender exception Approval for DSCR calculation, Guidelines DSCR is 1 and calculated is less than 1 | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) exception provided<br>Reviewer Comment (XXXX-08-26): Lender exception Approval for DSCR calculation, Guidelines DSCR is 1 and calculated is less than 1 | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | XXXX | 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 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | LTV of 80% exceeds the max of 75% for a cash-out refinance. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) exception provided<br>Reviewer Comment (XXXX-08-26): LTV of 80% exceeds the max of 75% for a cash-out refinance | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 80.00000% exceeds Guideline combined loan to value percentage of 75.00000%. | LTV of 80% exceeds the max of 75% for a cash-out refinance. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) exception provided<br>Reviewer Comment (XXXX-08-26): LTV of 80% exceeds the max of 75% for a cash-out refinance. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 |  |  |  |  | Reviewer Comment (XXXX-09-03): Cleared.<br>Seller Comment (XXXX-08-29): (Rate Lock) CDA provided; no second appraisal as amount less than XXXX million and not a flip | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Purchase | D A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested - Subject property is free and clear but property taxes have not been paid on time. Borrower paid 2022, XXXX and XXXX property taxes on XXXX. Tax cert notes a Tax deed budder. It appears subject property taxes may have been paid via a Tax deed bidder and borrower just redeemed on XXXX<br> Compensatory factors- LTV -37.63.4%, Max -70% <br> Fico-709, Min FICO 680<br> 100% on time pay history on credit 90 months reserves in cash out proceeds. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Mortgage History 15+ years 0x30.<br>Debt Service Coverage Ratio: 1.90<br> Guideline Requirement: 1.00<br>Loan to Value: 37.63441%<br> Guideline Maximum Loan to Value: 65.00000% | XXXX | Reviewer Comment (XXXX-08-25): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116963 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.82 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 41.78<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-04): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-31): (Rate Lock) approved exception provided | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116964 | XXXX | XXXX | XXXX | 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 75.00000% exceeds Guideline loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-25): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116964 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Monthly reserves is verified AND at least 4 months more than guideline minimum.<br>Qualifying DSCR higher than 1.1x, AND at least 0.1x higher than guideline minimum.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-08-25): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.80 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Housing payment history is 0x30x24 or better. | XXXX | Reviewer Comment (XXXX-09-03): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-29): (Rate Lock) Approved exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. XXXX | No cure or change of circumstance provided. |  |  |  | Reviewer Comment (XXXX-09-02): XXXX received COC dated XXXX.<br>Seller Comment (XXXX-08-29): See attached VCOC and supporting documents for the lender credit reduction. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | XXXX | XXXX | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Lender Exception: Approved Lender Exception - The Association has pending outstanding repairs. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Miscellaneous<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | Reserves of 20+ months vs min 3.<br>TV < 79% vs max 85%<br>DTI < 40% vs max 50% | XXXX | Reviewer Comment (XXXX-09-02): Client elects to waive with compensating factors.<br>Reviewer Comment (XXXX-09-02): reopened.<br>Reviewer Comment (XXXX-08-27): Cracked and chipped paint , wood Rot small cracks around guardrail waiting on board to approve repairs | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception: Approved Lender Exception - Requesting exception to waiver 5% LTV reduction for vacant property. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 13.67<br> Guideline Requirement: 6.00<br>FICO higher than 740, AND at least 20 points higher than guideline minimum | XXXX | Reviewer Comment (XXXX-08-29): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-08-27): (Rate Lock) Exception was already approved | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.83 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 79.33<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-11): Client elects to waive with compensating factors.<br>Seller Comment (XXXX-09-09): (Rate Lock) Exception was already approved for this | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | XXXX | 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 $XXXX exceeds tolerance of $XXXX plus 10% or XXXX. Sufficient or excess cure was provided to the borrower at Closing. (0) |  |  |  |  | Reviewer Comment (XXXX-08-29): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for gift of equity donor being related to RE agent. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (XXXX-09-03): Lender approved exception for gift of equity donor being related to RE agent | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for borrower renting from seller for over 24 months but cannot document rent payments prior to 09/24. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years. | XXXX | Reviewer Comment (XXXX-09-03): Lender approved exception for borrower renting from seller for over 24 months but cannot document rent payments prior to XXXX. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved exception for Living rent free and looking to exceed 80% LTV (90%) | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's Own Funds Percent: 13.16%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 700<br> Representative FICO: 797 | XXXX | Reviewer Comment (XXXX-08-29): Documentation Type: 12mo Bank Statement<br> Disposable Income: XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.91 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated Debt Service Coverage Ratio of 0.91 does not meet Guideline Debt Service Coverage Ratio score is 0.91. | Borrower has owned the subject property for at least 5 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Borrower has owned the subject property for at least 5 years<br>Reserves: 15.68<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-04): FICO higher than XXXX, AND at least 20 points higher than guideline minimum; Monthly reserves is verified AND at least 4 months more than guideline minimum; Housing payment history is XXXX or better | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.88 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Calculated DSCR of 0.88 does not meet the guidelines requirement of 1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 28.06<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 758 | XXXX | Reviewer Comment (XXXX-08-29): Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | Financial Institution: XXXX // Account Type: Checking / XXXX | Assets required 2 months Bank statements. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 49.46<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: 37.63%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 706 | XXXX | Reviewer Comment (XXXX-08-29): provided<br>Reviewer Comment (XXXX-08-29): 2 months provided | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Eligibility | Credit | Borrower has active Tradelines which are less than the minimum required by guidelines. | Credit Report: Original // Borrower: XXXX Active Tradelines: 2 | Credit Report does not meet minimum of 3 tradelines. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 49.46<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: 37.63%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 706 | XXXX | Reviewer Comment (XXXX-08-29): Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Proposed Lease amount of $XXXX is used for DSCR calculation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 49.46<br> Guideline Requirement: 3.00<br>Borrower's Own Funds Percent: 37.63%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 706 | XXXX | Reviewer Comment (XXXX-08-29): Guidelines Representative FICO: 660<br> Representative FICO: XXXX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  | Rider - PUD is not provided in file |  |  |  | Reviewer Comment (XXXX-09-11): Cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested was approved-<br> XXXX NEW cash out and does not meet seasoning of greater then 6 months<br> XXXX requesting exception for vacant, declining value property with LTV above 70% max<br> Compensating factor-Housing payment history is 0x30x24 or better.<br> Qualifying DTI less than 1.1x And at least 0.1 X higher than guideline minimum | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 10.68<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 812 | XXXX | Reviewer Comment (XXXX-09-02): Declining market reduce LTV 5% | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | XXXX | 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 75.00000% exceeds Guideline loan to value percentage of 70.00000%. | LTV exceeds guideline max of 70% for a property in a declining market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 10.68<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 812 | XXXX | Reviewer Comment (XXXX-09-02): Declining market reduce LTV 5% | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 75.00000% exceeds Guideline combined loan to value percentage of 70.00000%. | LTV exceeds guideline max of 70% for a property in a declining market. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 10.68<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 660<br> Representative FICO: 812 | XXXX | Reviewer Comment (XXXX-09-02): Declining market reduce LTV 5% | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.83 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Approved Lender Exception - DSCR score is .816% minimum required 1% | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower's Own Funds Percent: 34.23%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 750 | XXXX | Reviewer Comment (XXXX-08-28): DSCR score is XXXX% and min 1% required reduced LTV % to XXXX% | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Missing executed final HUD/CD in file. |  |  |  | Reviewer Comment (XXXX-08-29): Cleared.<br>Seller Comment (XXXX-08-27): Final HUD signed at closing | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.94 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Lender requested an exception which was approved to process with DSCR score < 1 at 0.931. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 48.51<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-08): Lender requested an exception which was approved to process with DSCR score < 1 at XXXX. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | XXXX | 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 67.17391% exceeds Guideline loan to value percentage of 65.00000%. | Lender requested an exception which was approved to proceed at 67.174% LTV with max of 65% when DSCR score is less than 1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 48.51<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-08): Reserves: XXXX<br> Guideline Requirement: 6.00<br> Lender requested an exception which was approved to proceed at XXXX% LTV with max of 65% when DSCR score is less than 1. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of 67.17391% exceeds Guideline combined loan to value percentage of 65.00000%. | Lender requested an exception which was approved to proceed at 67.174% LTV with max of 65% when DSCR score is less than 1. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 48.51<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-08): Reserves: XXXX<br> Guideline Requirement: 6.00<br> Lender requested an exception which was approved to proceed at XXXX% LTV with max of 65% when DSCR score is less than 1. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX VVOE - Employment Only | Verbal verification of employment is missing in the file. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared.<br>Seller Comment (XXXX-09-05): (Rate Lock) Please see attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender | Valuation Type: Appraisal / Valuation Report Date: XXXX | Appraisal Transfer letter is missing in the file. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared.<br>Seller Comment (XXXX-09-05): (Rate Lock) The Appraisal is under XXXX which is the lender name . Please review and clear the condition | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification of employment is missing in the file. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared.<br>Seller Comment (XXXX-09-05): (Rate Lock) Please see attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | Borrower: XXXX XXXX // Employment Type: Employment / Income Type: Wages / Start Date: XXXX | Verification of employment is missing in the file. |  |  |  | Reviewer Comment (XXXX-09-08): Cleared.<br>Seller Comment (XXXX-09-05): (Rate Lock) Please see attached | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Initial Right to Receive a Copy of appraisal is not provided. |  |  |  | Reviewer Comment (XXXX-09-08): Client elects to waive.<br>Seller Comment (XXXX-09-05): (Rate Lock) The appraisal dated XXXX, Proof of delivery XXXX , Note dated XXXX , and file funded XXXX we are within the TRID, also we have the Acknowledgment to receipt the appraisal "Page 120 to 122" on the legal package. This is not a HPML loan so please apply the EV2 exception to clear the condition . | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XXXX) | Initial CD Issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing. |  |  |  | Reviewer Comment (XXXX-09-11): XXXX received XXXX CD 3 business days prior to consummation. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX. Insufficient or no cure was provided to the borrower. XXXX | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of XXXX exceeds tolerance of $-XXXX Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-09-11): XXXX Received Valid COC along with CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (XXXX-09-11): XXXX Received Valid COC along with CD. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 3.43 is less than Guideline PITIA months reserves of 6.00. |  | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has verified residual income (disposable income) of at least XXXX per month.<br>Borrower has worked in the same position for more than 3 years.<br>FICO higher than 740, AND at least 20 points higher than guideline minimum. | XXXX | Reviewer Comment (XXXX-09-11): Client elects to waive with compensating factors. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | Reviewer Comment (XXXX-09-11): Lender exception with compensating factors, system cleared. | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | One or more Guideline Exceptions with (ATR Impacted) are open on the loan. See other Guidelines Exceptions. |  |  |  | Reviewer Comment (XXXX-09-11): Lender exception with compensating factors, system cleared. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.84 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | Reserves: 97.15<br> Guideline Requirement: 6.00 | XXXX | Reviewer Comment (XXXX-09-04): Calculated Debt Service Coverage Ratio (Subject DSCR) of XXXX does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (XXXX-09-05): Cleared.<br>Seller Comment (XXXX-09-05): See attached signed and dated initial 1003 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX | Cure Provided and no valid COC provided. |  |  |  | Reviewer Comment (XXXX-09-03): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $XXXX exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing. XXXX | Cure Provided and no valid COC provided. |  |  |  | Reviewer Comment (XXXX-09-03): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for HOA having outstanding repairs. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has been employed in the same industry for more than 5 years.<br>Documentation Type: 12mo Bank Statement<br> Disposable Income: $XXXX<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's Own Funds Percent: 7.23%<br> Borrower's Own Funds Amount: $XXXX<br>Combined Loan to Value: 69.94012%<br> Guideline Maximum Combined Loan to Value: 80.00000%<br>Loan to Value: 69.94012%<br> Guideline Maximum Loan to Value: 80.00000%<br>DTI: 33.20529% <br> Guideline Maximum DTI: 50.00000%<br>Guidelines Representative FICO: 660<br> Representative FICO: 809 | XXXX | Reviewer Comment (XXXX-09-04): Project has outstanding repairs. Subject is located in townhouse condo project. Repairs are plumbing leaks, roof repairs, mold. Per reserve study the major repairs are new roofs and re-piping.<br>Roof repairs are ongoing HOA states does not affect our subject unit, subj had new roof in 2021. Re-pipe and roof replacement funding has not been finalized, pending owners vote on a XXXX loan and special assessment which have not been voted on yet, refer to ballot. HOA unable to provide cost of repairs or estimated completion date. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. | Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status. |  |  |  | Reviewer Comment (XXXX-09-05): Provided.<br>Seller Comment (XXXX-09-05): ATTACHED | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | FACTA | FACTA Disclosure Missing | FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. | Creditor did not provide FACTA Credit Score Disclosure. |  |  |  | Reviewer Comment (XXXX-09-05): Provided.<br>Seller Comment (XXXX-09-05): attached | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | XXXX | XXXX | Credit | Title | Document Error | Title | The Preliminary title policy is within XXXX and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Preliminary title policy amount is missing. |  |  |  | Reviewer Comment (XXXX-09-11): Client accepts EV2.<br>Seller Comment (XXXX-09-10): (Rate Lock) EV2 accept please waive | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to use lease agreement amount of $XXXX vs market rent of $XXXX with only receipt of deposit and first months rent. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 32.10<br> Guideline Requirement: 12.00<br>Borrower's Own Funds Percent: 47.30%<br> Borrower's Own Funds Amount: $XXXX<br>Guidelines Representative FICO: 660<br> Representative FICO: 702 | XXXX | Reviewer Comment (XXXX-09-04): exception to use lease agreement amount of XXXX0 vs market rent of XXXX0 with only receipt of deposit and first months rent. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of 634 is less than Guideline representative FICO score of 660. |  |  |  |  | Reviewer Comment (XXXX-09-05): Cleared.<br>Seller Comment (XXXX-09-03): (Rate Lock) The borrowing entity, XXXX, has a 50/50 ownership consisting of XXXX WXXXX- see attached operating agreement and name affidavit. According to Section 5A of XXXX DSCR guidelines, when two guarantors have the same ownership percentage, then the higher of the two scores will be used. XXXX's median FICO score is XXXX and was used as the representative median FICO score per guidelines - see attached credit reports. Representative FICO of XXXX meets minimum guideline requirements. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | XXXX | XXXX | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  |  |  |  |  | Reviewer Comment (XXXX-09-05): Provided.<br>Seller Comment (XXXX-09-04): Initial 1003 | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (XXXX-07-23): Received Signed business purpose Certificate. Exception Cleared<br>Buyer Comment (XXXX-07-22): Business Purpose & Occupancy Affidavit | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report is missing in file |  |  |  | Reviewer Comment (XXXX-07-23): Received Fraud Report Exception Cleared<br>Buyer Comment (XXXX-07-22): Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC is missing in file. |  |  |  | Reviewer Comment (XXXX-07-23): Received Fraud Report with OFAC . Exception Cleared<br>Buyer Comment (XXXX-07-22): See Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Required Loan Approval showing DSCR loan, and DSCR Calculation Worksheet. |  |  |  | Reviewer Comment (XXXX-07-23): Received DSCR Calculation worksheet. Exception Cleared<br>Buyer Comment (XXXX-07-22): Lender Worksheet | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | Provide updated mortgage history for XXXX XXXX #XXXX. Payment history must reflect 0 X 30 in the most recent 12 months including the month prior to closing. |  |  |  | Reviewer Comment (XXXX-08-26): Credit supplement received confirming mortgage for XXXX Fed CU #XXXX is paid until XXXX. Exception cleared.<br>Buyer Comment (XXXX-08-25): pay history | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117000 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Required updated Final 1003 & Closing Disclosure reflecting HOI amount of $XXXX/monthly but not included on page 1 of final CD. Provided documents in the file does not reflects HOI amount; however, HOI policy reflects annual premium amount $XXXX for subject property. |  |  |  | Reviewer Comment (XXXX-06-17): Received updated 1003 and Final CD updated. Exception cleared.<br>Buyer Comment (XXXX-06-13): Updated 1003 and CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117000 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Credit report reflects Security Freeze for XXXX bureau, Required a new credit report must be obtained to reflect current updated information for evaluation, as per guide 9.2. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (XXXX-08-12): Investor exception provided.<br>Reviewer Comment (XXXX-07-23): Investor exception provided.<br>Reviewer Comment (XXXX-07-09): Pending flip to XXXX<br>Buyer Comment (XXXX-07-07): Loan will be moving to XXXX<br>Buyer Comment (XXXX-07-07): investor approved exception<br>Reviewer Comment (XXXX-07-03): The credit report provided is dated XXXX which is post closing. Provide an updated report prior to closing or an exception.<br>Buyer Comment (XXXX-07-01): credit report | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117000 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Require updated DSCR calculation worksheet reflecting DSCR ratio as 1.36%, provided calculation reflects DSCR ratio as 1.21% (lender has considered $XXXX as market rent for DSCR calculation, actual market rent is $XXXX. Also, HOI premium not included in their subject PITIA). |  |  |  | Reviewer Comment (XXXX-06-27): Received updated DSCR calculation. Exception Cleared<br>Buyer Comment (XXXX-06-26): Updated 1008 with DSCR calc | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117000 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | Required Evidence of Access to Funds for XXXX #XXXX & Trust agreement as additional account holder name is "XXXX". |  |  |  | Reviewer Comment (XXXX-08-12): Received updated 1003 without Account # XXXX used for qualification. Exception Cleared<br>Buyer Comment (XXXX-08-08): revised 1003<br>Reviewer Comment (XXXX-08-08): Provide updated 1003 without XXXX account # XXXX as Provided Final 1003 Noted lender used Funds for qualification. Exception Remains<br>Buyer Comment (XXXX-08-06): per lender: Please remove the XXXX assets from funds to close and/or reserves. Borrower has sufficient funds without them. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (XXXX-08-07): BPC provided.<br>Buyer Comment (XXXX-08-06): closing protection letter<br>Buyer Comment (XXXX-08-06): business purpose & occupancy affidavit | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Closing Protection Letter is missing in file. |  |  |  | Reviewer Comment (XXXX-08-07): Closing protection letter.<br>Buyer Comment (XXXX-08-07): cpl | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | Unit #1 [XXXX] property was converted to Long term lease from month-to-month lease, addendum and lender exception is provided in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXXX | Reviewer Comment (XXXX-08-07): Investor exception provided.<br>Buyer Comment (XXXX-08-06): lender exception approval | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | XXXX | XXXX | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Hazard insurance coverage amount is insufficient. Coverage amount required to cover the lesser of the Replacement Cost or the Loan amount per guidelines. | Coverage: $XXXX; Extended Replacement Coverage: ;<br> Loan Amount: $XXXX;<br> Cost New: $XXXX | Required updated Replacement Cost Estimator document reflecting Subject address as "XXXX |  |  |  | Reviewer Comment (XXXX-08-13): Received updated HOI and RCE with change in address and Coverage amount. Exception Cleared<br>Buyer Comment (XXXX-08-12): HOI XXXX coverage<br>Reviewer Comment (XXXX-08-11): Received updated RCE with correction property address however RCE amount change to XXXX whereas Coverage was provided XXXX. Coverage are shortfall of XXXXXXXX to meet RCE amount. Exception Remains<br>Buyer Comment (XXXX-08-08): rce | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Require updated documentation detailing the DSCR calculation. As per 1008 lender used PITIA $XXXX Vs reviewed PITIA $XXXX. and Lender considered $XXXX rental vs Reviewed $XXXX. Lender DSCR 1.40 Vs Reviewed DSCR 1.48 not matching. <br> Guideline requires If the lease agreement shows higher monthly rent than the appraisal, the lease amount up to 115% of market rent may<br> be used for monthly gross income, with two most recent months proof of receipt showing consecutive rental payments. Two most recent months proof of receipt not provided in file, lower rent used. |  |  |  | Reviewer Comment (XXXX-07-18): Received 1008 with corrected PITIA and UW comment for using Actual lease amount from 1007 then noted in lease agreement which leads variance in DSCR. Exception Cleared<br>Buyer Comment (XXXX-07-17): 1008<br>Reviewer Comment (XXXX-07-16): Noted being Conservative lower actual rent XXXX0 reflected in 1007 used for qualification then reported in lease agreement XXXX0. however Lender sued PITIA XXXX whereas actual PITIA is XXXX.. Updated DSCR calculation require. Exception Remains<br>Buyer Comment (XXXX-07-14): 1008 and Lender Cert | XXXX | XXXX | XXXX | 1 C A D | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Commercial property is Ineligible as per guide Subject property zoning is general commercial | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (XXXX-08-05): Investor exception provided.<br>Buyer Comment (XXXX-08-05): LS exception to approve the subject property zoning. Loan moving to LS.<br>Buyer Comment (XXXX-08-05): Per Lender: 28th page of Appraisal, the Supplemental Addendum appraiser states: There is no commercial activity at the property. Cars belong to the tenants and are personally owned for their use. Owner also uses the property to store vehicles for this business but does not conduct business from the residence.<br> Per XXXX: zoning is still "general commercial" so I don't understand what the supplemental addendum changes regarding the zoning, but per XXXX send to you for review.<br>Buyer Comment (XXXX-08-05): Revised Appraisal | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX XXXX XXXX Inc, a XXXX Corporation | Third-party fraud report is required for the entity "XXXX XXXX XXXX Inc". |  |  |  | Reviewer Comment (XXXX-07-16): Received Fraud report for XXXX XXXX Rentals Inc Exception cleared<br>Buyer Comment (XXXX-07-15): Fraud Report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Require Approval indicating the loan is DSCR |  |  |  | Reviewer Comment (XXXX-06-10): Received Loan approval indicating loan is DSCR. Exception Cleared<br>Buyer Comment (XXXX-06-09): approval | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Require Operating Agreement for "XXXX's XXXXs and XXXXs, LLC" |  |  |  | Reviewer Comment (XXXX-06-03): Received Operating agreement for XXXX's XXXXs and XXXXs, LLC". Exception Cleared<br>Buyer Comment (XXXX-05-30): Op agreement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. | Valuation Type: Appraisal / Valuation Report Date: XXXX | Subject property has been listed in past 12 months as per appraisal report. Property was listed prior to purchase by current ownership entity. Please override. |  |  |  | Reviewer Comment (XXXX-06-19): Prior listing dated XXXX original price was XXXX exception cleared.<br>Buyer Comment (XXXX-06-18): per lender: The listing was prior to our borrower buying the property. It was listed and he bought. He hasn't listed since his purchase. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | Require verification of mortgage for the month due XXXX |  |  |  | Reviewer Comment (XXXX-06-03): Received Credit supplement with primary property XXXX till XXXX. Exception Cleared<br>Buyer Comment (XXXX-05-30): Credit supplement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Letter of explanation is required to detail relevant real estate experience from borrower. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 27 vs 3 | XXXX | Reviewer Comment (XXXX-08-05): Investor accepts and agrees to waive with compensating factors.<br>Buyer Comment (XXXX-08-04): investor exception approval - loan will be moving to XXXX<br>Buyer Comment (XXXX-08-04): Loan will be moving to LS.<br>Buyer Comment (XXXX-08-04): Exception from LS.<br>Reviewer Comment (XXXX-08-01): CDs provided. This does not show the borrower had 12 months of experience.<br>Buyer Comment (XXXX-07-30): CD<br>Reviewer Comment (XXXX-06-04): Received LOX however Borrower have Experience in real estate less than 12 Months. per guideline "An experienced <br> real estate investor must have a minimum of 12 months ownership and management of income producing residential or commercial real estate within the past 24 months" .Lender Exception require.<br>Buyer Comment (XXXX-06-03): LOX | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Assets Error: Accounts are missing |  | If the lease agreement reflects higher monthly rent than the appraisal, the lease amount may be used for monthly gross<br> income with two months proof of receipt. Also, bank statements required for evidence of rent on refi. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 27 vs 3 | XXXX | Reviewer Comment (XXXX-08-05): Investor accepts and agrees to waive with compensating factors.<br>Reviewer Comment (XXXX-06-10): Received property management Rent summary document confirm Receipt of rent, however also require "a current lease must be supported with two most recent bank statements showing consecutive rental payments." Deposit must reflect in borrower's Bank statement. Exception Remains<br>Buyer Comment (XXXX-06-09): rental payments | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX | 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 80.00000% exceeds Guideline loan to value percentage of 75.00000%. | Max LTV R/T is 75% | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 27 vs 3 | XXXX | Reviewer Comment (XXXX-08-05): Investor accepts and agrees to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117005 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose Certificate is missing in file. |  |  |  | Reviewer Comment (XXXX-08-08): Received Business Purpose Certificate. Exception Cleared<br>Buyer Comment (XXXX-08-07): BPC | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117005 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines |  | Client requested: Appraisal report zoning description reflects "Commercial Office" however as per guide, commercial properties are ineligible. Should be noted: Property is residential and residential use but sitting on commercial zoned which is allowed and customary per appraiser. Investor exception provided. | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | The DSCR of 1.02 is greater than the minimum required DSCR of 1.00. | XXXX | Reviewer Comment (XXXX-08-20): Investor accepts and agrees to waive with compensating factors. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117022 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | General | Guideline | DSCR does not meet guideline requirements. |  | Approved Lender Exception-Exception Request: Minimum tradeline requirement, 2 rated 12 months or more with additional 1 with 5 months of rating. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. |  | XXXX | Reviewer Comment (XXXX-08-26): Investor exception provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117022 | XXXX | XXXX | XXXX | XXXX | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | Calculated Debt Service Coverage Ratio (Subject DSCR) of 0.80 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Debt Service Coverage Ratio (Subject DSCR) of 0.80 does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) 1.00. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. |  | XXXX | Reviewer Comment (XXXX-08-26): Investor exception provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117022 | XXXX | XXXX | XXXX | XXXX | Credit | Guideline | Guideline Issue | Guideline | Experience level does not meet the guideline requirements for an experienced investor. |  | First time investor is not eligible. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00. |  | XXXX | Reviewer Comment (XXXX-08-26): Investor exception provided. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. | Address: XXXX | As per guide, an unexpired executed lease is required for all units at the time of closing. Provide Lease agreement for all 3 units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. |  | XXXX | Reviewer Comment (XXXX-08-25): Investor exception provided.<br>Reviewer Comment (XXXX-08-25): Moving to LS.<br>Buyer Comment (XXXX-08-22): Lone will be moving to XXXX<br>Buyer Comment (XXXX-08-22): investor approved exception<br>Reviewer Comment (XXXX-08-21): Payments noted but not required, need the other 2 leases<br>Buyer Comment (XXXX-08-20): Receipt of payments.<br>Reviewer Comment (XXXX-08-06): Received same only 1 Unit Lease agreement, however per guideline An unexpired executed lease is required for all units at the time of closing for refinance transaction. Exception Remains<br>Buyer Comment (XXXX-08-04): Lease, Deposits, DSCR calculation<br>Reviewer Comment (XXXX-07-23): Received only 1 Unit lease agreement for still missing Other 2 Unit Lease agreement. per guideline unexpired executed lease is required for all units at the time of closing. Exception remains<br>Buyer Comment (XXXX-07-21): Lease Agreement | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Documentation | Insurance | Rent loss insurance is required on all properties and there is no evidence of this insurance in the file. |  | Rent loss insurance covering a minimum of 6 months is required for the subject property |  |  |  | Reviewer Comment (XXXX-07-24): Received updated Insurance policy with Rent loss coverage up to 12 Months. Exception Cleared<br>Buyer Comment (XXXX-07-23): Email<br>Reviewer Comment (XXXX-07-15): Received email from insurer confirm it is built into the policy as Coverage C, however HOI Policy Binder/Declaration page did not noted any Coverage C amount or information. Exception Remains<br>Buyer Comment (XXXX-07-14): LOE Email | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | Business Purpose Certificate for subject property to confirm the purpose of refinance is missing in file. |  |  |  | Reviewer Comment (XXXX-06-24): Business purpose certificate received with purpose and occupancy updated. Exception cleared.<br>Buyer Comment (XXXX-06-24): BPC | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Guarantor Agreement for XXXX Rd LLC is missing in file. |  |  |  | Reviewer Comment (XXXX-07-02): Received Guarantor Agreement. Exception Cleared<br>Buyer Comment (XXXX-07-01): personal guaranty agreement | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided |  | Provide evidence XXXX payment to XXXX was paid within month due. |  |  |  | Reviewer Comment (XXXX-06-24): Received credit supplement that confirms the mortgage is paid until XXXX and next payment is due on XXXX. Exception cleared.<br>Buyer Comment (XXXX-06-24): Supplement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | $XXXX, and verified reserves are XXXX. | The assets provide are from XXXX XXXX who is not on this loan. |  |  |  | Reviewer Comment (XXXX-08-21): Evidence of joint ownership provided<br>Buyer Comment (XXXX-08-20): Borrower is a joint owner on account. Please see attached.<br>Reviewer Comment (XXXX-08-07): Point to the documentation showing this is a joint account.<br>Buyer Comment (XXXX-08-07): Per Lender: The accounts are joint, the borrower is the owner of the account with XXXX and XXXX=XXXX.<br>Buyer Comment (XXXX-08-07): Statement | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX | XXXX | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of XXXX is less than Cash From Borrower $XXXX | The assets provide are from XXXX XXXX who is not on this loan. |  |  |  | Reviewer Comment (XXXX-08-21): Evidence of joint ownership provided<br>Reviewer Comment (XXXX-08-07): Point to the documentation showing this is a joint account.<br>Buyer Comment (XXXX-08-07): See Insufficient Funds exception - Per Lender: The accounts are joint, the borrower is the owner of the account with XXXX and XXXX. | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
| XXXX | XXXX | XXXX | 4350116998 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Ave, XXXX Other, Other | Property Address "XXXX Ave" - Supporting document is required to verify the property is Free and Clear additionally require supporting documentation for the expense of $XXXX. |  |  |  | Reviewer Comment (XXXX-07-29): Received Complete HOI Policy confirmed no mortgagee clause confirmed Property free and clear. Exception Remains<br>Buyer Comment (XXXX-07-25): HOI reflecting no mtgee clause. Will we accept this or would you prefer a property detail report ?<br>Reviewer Comment (XXXX-07-17): Received legal Description noted Parcel number, however still missing Evidence of free and clear as Insurance policy does not have section about Mortgagee clause to confirm no mortgage. only 1st page provided. Exception Remains<br>Buyer Comment (XXXX-07-16): Legal description<br>Reviewer Comment (XXXX-07-15): Received HOI verification, Tax verification noted only parcel number unable to verify Provided tax cert belongs to REO Property XXXX ave. As lender used XXXX/monthly tax amount whereas document verified XXXX= XXXX/monthly. Additionally Proof of Free and clear still missing As insurance binder only 1st page provided which does not have mortgagee clause section to verify No mortgage on the property. Exception Remains<br>Buyer Comment (XXXX-07-14): LOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350116998 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX 2014 - 3% Points and Fees | XXXX 2014 3% Points and Fees Test. Points and Fees on subject loan of 4.11615% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or 1.11615%). | EV2 Informational |  |  |  | Buyer Comment (XXXX-07-14): Acknowledged non material | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Rate lock provided and final CD reflects Prepayment penalty Terms and Structure. Please provide corrected prepayment documentation using program approved prepayment calculation types provided in section 14.5 of the program guide. Please provide corrected, executed prepayment addendum, rider, and letter of intent to re-record. |  |  |  | Reviewer Comment (XXXX-08-08): Received Letter of intent to re-record. Exception Cleared<br>Buyer Comment (XXXX-08-06): Rider and email<br>Reviewer Comment (XXXX-08-06): Received Prepayment rider, addendum, however still missing Letter of intent to re-record Mortgage with prepayment rider as available copy does not have listed Prepayment rider in 2nd page. Exception remains<br>Buyer Comment (XXXX-08-04): PPP rider and addendum to wrong condition. Please review for this condition. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D B A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | Borrower as per note is XXXX XXXX. Guidelines state Corporations, limited partnerships, general partnerships and limited liability companies are ineligible borrowers. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (XXXX-08-11): Investor exception provided. Additionally, Guaranty Agreement provided.<br>Buyer Comment (XXXX-08-07): Approved exception<br>Reviewer Comment (XXXX-08-07): Received Guarantor agreement. Loan Closed in Business entity per guideline Corporations, limited partnerships, general partnerships and limited liability companies are ineligible borrowers. Exception Remains<br>Buyer Comment (XXXX-08-06): Guaranty<br>Buyer Comment (XXXX-08-05): GUARANTY AGREEMENT | XXXX | XXXX | XXXX | 2 D B | XXXX | XXXX | Investment | Purchase | D B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX Points and Fees | XXXX Points and Fees on subject loan of 9.41038% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXXX (XXXX). XXXX Finance Charge total $XXXX on a Original Loan Amount of $XXXX vs. an allowable total of $XXXX (XXXX) (an overage of $XXXX or 4.41038%). | EV2 informational |  |  |  | Buyer Comment (XXXX-08-04): Acknowledged as non-material. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Guidelines require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br> • Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations. <br>Missing proof business is active. |  |  |  | Reviewer Comment (XXXX-08-13): Received business invoice as Business verification. Exception Cleared<br>Buyer Comment (XXXX-08-12): invoices<br>Buyer Comment (XXXX-08-12): please disregard uploads. The requirement was not provided<br>Buyer Comment (XXXX-08-11): P&L andXXXX<br>Reviewer Comment (XXXX-08-11): Reopened.<br>Buyer Comment (XXXX-07-14): Acknowledged non material | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 53.40083% exceeds Guideline total debt ratio of 50.00000%. | P&L statement provided is from XXXX - XXXX which is 13 months due to which income is less than used by Lender. 1008 Confirms 12 months P&L statement provided. Corrected P&L statement with updated dates for 12 months is required. |  |  |  | Reviewer Comment (XXXX-08-26): P&L provided<br>Buyer Comment (XXXX-08-26): P & L<br>Reviewer Comment (XXXX-08-08): Received P&L from XXXX to XXXX which is more than 90 days of closing date XXXX. per guideline P&L must be within 90 days of closing. exception remains<br>Buyer Comment (XXXX-08-06): P&L<br>Reviewer Comment (XXXX-08-06): Exception is for DTI exceeding Guideline limit as P&L statement provided is from XXXX - XXXX which is 13 months due to which income is less than used by Lender. 1008 Confirms 12 months P&L statement provided. Corrected P&L statement with updated dates for 12 months is required. Exception Remains<br>Buyer Comment (XXXX-08-04): PPP rider and addendum. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | D B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | XXXX | XXXX | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Required updated flood certificate with correct subject property address as "XXXX", provided flood certificate reflect property address as "XXXX |  |  |  | Reviewer Comment (XXXX-08-01): Received updated Flood cert with change in property address as per Note. Exception cleared<br>Buyer Comment (XXXX-07-31): flood cert | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud report is missing in file for both borrowers. |  |  |  | Reviewer Comment (XXXX-08-01): Received Fraud Report for both borrower. Exception cleared<br>Buyer Comment (XXXX-07-31): fraud report | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | XXXX | 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. (Type:Secondary/XXXX) | SECONDARY - missing evidence the CDA was provided to the borrower. |  |  |  | Buyer Comment (XXXX-07-29): Acknowledged as non-material | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Purchase | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117013 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Narrative | Provide the following income documentation: A business narrative is required from the borrower to describe their 1099 employment including an expense factor that is related to their annual business. Provide documentation showing ownership percentage. Document business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following: Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. |  |  |  | Reviewer Comment (XXXX-08-01): Received Business invoices as Business verification. CPA letter Confirmed borrower is President since XXXX and XXXX Annual report confirmed only one member/President. Exception Cleared<br>Buyer Comment (XXXX-07-30): Evidence of current work<br>Reviewer Comment (XXXX-07-25): Received XXXX Annual report, however require recent proof of ownership additionally for business verification require one of the following (SOS search not acceptable) Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations.<br>Buyer Comment (XXXX-07-24): Business Search<br>Reviewer Comment (XXXX-07-18): Received Business narrative, however still missing Ownership evidence and Document business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following: Evidence of current work (executed contracts or signed invoices) • Evidence of current business receipts • Business website demonstrating activity supporting current business operations. Exception Remains<br>Buyer Comment (XXXX-07-17): Business Narrative | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117013 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient Income documentation (Business Narrative). This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-01): All income/Asset related ATR Exception has been Cleared. Exception Cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117013 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to not meeting Income Documentation requirement. The exception will be cleared once all ATR specific Exceptions have been cured/Cleared |  |  |  | Reviewer Comment (XXXX-08-01): All income/Asset related ATR Exception has been Cleared. Exception Cleared | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file | Credit Report: Original // Borrower: XXXX | Require Fraud Report as it is missing in file. |  |  |  | Reviewer Comment (XXXX-08-05): Received Fraud Report. Exception Cleared<br>Buyer Comment (XXXX-08-04): Fraud Report<br>Reviewer Comment (XXXX-07-31): Received alert summary report. Require completed Fraud Report. Exception Remains<br>Buyer Comment (XXXX-07-30): Fraud Guard | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | XXXX | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | Disclosure: E-Sign Consent Agreement | Require E-sign Consent Agreement as it is missing in file. |  |  |  | Reviewer Comment (XXXX-07-28): Received E-sign consent agreement. Exception Cleared<br>Buyer Comment (XXXX-07-25): Esign consent agreement | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Third Party Verification | Require Business Verification document for Schedule C business verifying the business is active and operating no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following -<br> • Evidence of current work (executed contracts or signed invoices).<br> • Evidence of current business receipts.<br> • Business website demonstrating activity supporting current business operations. |  |  |  | Reviewer Comment (XXXX-07-31): Received Business invoice as evidence of current works. Exception cleared.<br>Buyer Comment (XXXX-07-30): Proof of business | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX 2014 - 3% Points and Fees | XXXX 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.96564% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $28,535.00 on a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or .96564%). | EV2 informational. |  |  |  | Buyer Comment (XXXX-07-23): Acknowledged as nonmaterial. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to insufficient income documentation (Third Party VOE). This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-07-31): All Open Income/Asset ATR Exception has been Cleared. Exception Cleared | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan was approved with an Originator Loan Designation of (NON-QM) but the required Business Verification document required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (XXXX-07-31): All Open Income/Asset ATR Exception has been Cleared. Exception Cleared | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | 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. | 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-8 Form must be used as lender is not the same as originating lender. |  |  |  | Reviewer Comment (XXXX-08-06): Corrected form and email provided.<br>Buyer Comment (XXXX-08-04): Corrected form and Email to borrower. | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX | 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. | Missing Mortgage Payoff Statement |  |  |  | Reviewer Comment (XXXX-07-29): Received Payoff statement for Existing lien on subject property. Exception Cleared<br>Buyer Comment (XXXX-07-28): Payoff Statement | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient $XXXX |  |  |  | Reviewer Comment (XXXX-08-05): Received RCE. Exception Cleared<br>Buyer Comment (XXXX-08-01): RCE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | Credit Documentation | Credit | No Housing History or Less Than 12 Months Verified. 6 Months reserves required per guidelines. Review data and set applicable exception. |  |  |  |  |  | Reviewer Comment (XXXX-07-29): Evidence provided.<br>Buyer Comment (XXXX-07-25): per credit for borrower's previous address XXXX th. There is XXXX months of housing. XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of 2.39 is less than Guideline PITIA months reserves of 6.00. | Insufficient reserves, used 50% of business assets. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly mortgage payment has decreased by at least 20%.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. |  | XXXX | Reviewer Comment (XXXX-08-12): Investor exception provided.<br>Buyer Comment (XXXX-08-12): investor exception approval<br>Reviewer Comment (XXXX-08-05): Received HELOC agreement and HELOC Closing statement confirmed Proceed of XXXX which already deposited into Borrower personal account # XXXX with balance of XXXX. Lender using HELOC separately even though fund already been deposited in bank account. Additionally Lender using Full Loan amount whereas Actual proceed received is XXXX Exception Remains<br>Buyer Comment (XXXX-08-01): see loe and docs<br>Buyer Comment (XXXX-08-01): UW Lender Cert and Documents | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-12): Investor exception provided.<br>Reviewer Comment (XXXX-08-05): Received HELOC agreement and HELOC Closing statement confirmed Proceed of XXXX which already deposited into Borrower personal account # XXXX with balance of XXXX. Lender using HELOC separately even though fund already been deposited in bank account. Additionally Lender using Full Loan amount whereas Actual proceed received is XXXX Exception Remains<br>Buyer Comment (XXXX-08-01): UW Lender Cert and Documents | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient assets documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-12): Investor exception provided. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Second Home | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117007 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Appraisal report issued on XXXX within 3 days of note date XXXX. |  |  |  | Reviewer Comment (XXXX-08-05): Received Original Appraisal report. Exception Cleared<br>Buyer Comment (XXXX-08-04): Appraisal XXXX and email delivery XXXX | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Second Home | Purchase | B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXXX exceeds tolerance of $XXXX. Insufficient or no cure was provided to the borrower. XXXX | Loan Discount Fee was disclosed as $XXXX on Initial LE and $XXXX on Final CD. Missing coc and evidence of cure not provided in file. |  |  |  | Reviewer Comment (XXXX-08-14): XXXX received COC dated 07/15.<br>Buyer Comment (XXXX-08-13): COC<br>Reviewer Comment (XXXX-08-06): XXXX received COC dated XXXX for rate lock but the discount points were again increased on XXXX from XXXX to XXXX for which no COC available in file. A valid COC or cure will be required.<br>Buyer Comment (XXXX-08-04): COC uploaded. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Appraisal Fee was disclosed as $XXXX on Initial LE and $XXXX on Final CD. Evidence of cure not provided in file. Missing coc and evidence of cure not provided in file. |  |  |  | Reviewer Comment (XXXX-08-25): XXXX Received Valid COC along with LOE.<br>Buyer Comment (XXXX-08-22): Correct LOE<br>Reviewer Comment (XXXX-08-19): XXXX received LOE, however the LOE provided information about the CDA fee no information provided about why the appraisal fee increased and what was complex about the property. Please provide additional sufficient information or cure is required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (XXXX-08-18): Please see the attached LOE in regards to the appraisal fee increase<br>Reviewer Comment (XXXX-08-06): XXXX received COC dated XXXX for increase in appraisal fee due to complexity but the more information is required for complexity to validate the change.<br>Buyer Comment (XXXX-08-04): COC uploaded. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of XXXX exceeds tolerance of XXXX. Insufficient or no cure was provided to the borrower. XXXX | Second Appraisal Fee was disclosed as XXXX on Initial LE and XXXX on Final CD. Evidence of cure not provided in file. Missing coc and evidence of cure not provided in file. |  |  |  | Reviewer Comment (XXXX-08-06): XXXX received COC dated XXXX.<br>Buyer Comment (XXXX-08-04): COC uploaded. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | Property is vested in an LLC. Further review and additional exceptions may apply. If lender approves exception, guaranty agreement is not present | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has worked in the same position for more than 3 years.<br>The qualifying DTI on the loan is at least 10% less than the guideline maximum. | 66 vs 6 | XXXX | Reviewer Comment (XXXX-07-31): Investor approved to close in entity with compensating factors<br>Reviewer Comment (XXXX-07-31): Vested in XXXX's. Exception in file is to allow closing in the entity. Client has asked to re-review allowing entity. See additional exceptions.<br>Buyer Comment (XXXX-07-31): , we received an exception approval XXXX for the borrower to take the subject property out of the LLC at closing. Looks like we may need an updated Note and Security instrument as they both are signed as " managing members" however it does not note the business name on either. Please advise thoughts.<br>I don't see the quit claim deed reflecting the vesting change. Additionally, we will need final title. <br> We do not have a personal guarantee in file <br> Please review and advise if you agree, if so, we need to remove the entity name and update with the borrowers information | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | New exceptions cited. Missing Articles for Corporation for XXXX XXXX LLC, |  |  |  | Reviewer Comment (XXXX-08-06): Received Articles of Organization for XXXX XXXX LLC. Exception Cleared<br>Buyer Comment (XXXX-08-04): Business Docs | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | New exceptions cited. Missing Operating Agreement for XXXX XXXX LLC, |  |  |  | Reviewer Comment (XXXX-08-28): Received CPA Confirmed Both Borrower owned 50% Each of Business XXXX XXXX LLC,. Exception Cleared<br>Buyer Comment (XXXX-08-27): CPA Letter<br>Reviewer Comment (XXXX-08-26): Received Business narrative with ownership info however it does not specify the name of the business. Exception Remains.<br>Buyer Comment (XXXX-08-22): Business narrative was completed<br>Reviewer Comment (XXXX-08-20): Operating agreement is not required in XXXX. Provide documentation showing ownership percentage. CPA letter or equivalent.<br>Buyer Comment (XXXX-08-18): email from the borrower that they don't have an Operating Agreement, but what they do have is the Articles of Organization completed for XXXX which details the borrowers are the only owners and/or members of the XXXX XXXX LLC.<br>Buyer Comment (XXXX-08-18): PER LENDER : email from the borrower that they don't have an Operating Agreement, but what they do have is the Articles of Organization completed for XXXX which details the borrowers are the only owners and/or members of the XXXX XXXX LLC.<br>Reviewer Comment (XXXX-08-13): Received Operating agreement for XXXX whereas Operating agreement require for XXXX XXXX LLC. Exception Remains<br>Buyer Comment (XXXX-08-12): Operating agreement | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | New exceptions cited. Missing Guaranty Agreement for both borrowers for XXXX XXXX LLC, |  |  |  | Reviewer Comment (XXXX-08-14): Received Signed Guaranty Agreement for both borrower. Exception Cleared<br>Buyer Comment (XXXX-08-13): Guaranty | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Properties where the insurance coverage on the declaration page does not cover the loan amount must have a cost estimate from the insurance company or agent<br> evidencing the property is insured for its replacement cost. Provide updated policy reflecting minimum coverage of $XXXX OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (XXXX-08-12): Coverage provided is 100% of the replacement cost.<br>Buyer Comment (XXXX-08-08): Per Lender: Please note the hazard property ins policy for the insured mentioned above covers the dwelling up to 100 percent of the replacement cost as defined by the policy limits on the evidence of insurance provided<br>Reviewer Comment (XXXX-08-08): Noted XXXX state does not allows RCE to be provided, however policy generally noted Dwelling up to100% of Replacement cost which is less than the loan amount and also does not confirmed Guaranteed Replacement cost. Insurer email statement coverage was made to RCE. Exception Remains<br>Buyer Comment (XXXX-08-06): RCE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX or income worksheet, Business Narrative | Missing business narrative. |  |  |  | Reviewer Comment (XXXX-08-12): Received Income worksheet received along with business narrative with nature of Business and number of employee. Exception Cleared<br>Buyer Comment (XXXX-08-08): Business Narrative | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | XXXX | XXXX | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | Income calculation worksheets or a Uniform Underwriting Transmittal Summary (1008) with<br> income calculations must be provided with every loan. |  |  |  | Reviewer Comment (XXXX-08-12): Received income worksheet with calculation allows per Guideline instead of 1008. Exception Cleared<br>Buyer Comment (XXXX-08-08): income worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX Points and Fees | XXXX Points and Fees on subject loan of 7.81024% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and XXXX (XXXX). XXXX Finance Charge total $XXXX on a Original Loan Amount of $XXXX vs. an allowable total of $XXXX and XXXX (XXXX) (an overage of $XXXX or 2.81024%). | EV2 informational |  |  |  | Buyer Comment (XXXX-08-01): Acknowledged non-material | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Investment | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXXX. Insufficient or no cure was provided to the borrower. XXXX | Transfer Tax Fee was disclosed as $XXXX on Initial LE and $XXXX on Final CD. Evidence of cure not provided in file nor is a valid COC present. |  |  |  | Reviewer Comment (XXXX-08-13): XXXX received a valid COC.<br>Buyer Comment (XXXX-08-12): COC uploaded. Loan amount increase tied to transfer taxes. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | 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 | N/A | N/A | Yes |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 | A CDA is required with only 1 appraisal in file and it was not provided. MS |  |  |  | Reviewer Comment (XXXX-08-20): Received CDA. Exception Cleared<br>Buyer Comment (XXXX-08-19): CDA | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Provided bank statement for income calculation is dated XXXX XXXX. Missing Account Statement dated XXXX XXXX with XXXX # XXXX. Income may change once received. |  |  |  | Reviewer Comment (XXXX-08-20): Received XXXX XXXX Statement, income increased then lender used. Exception Cleared<br>Buyer Comment (XXXX-08-19): Statements | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX Account Statements - Business, Business Narrative, Third Party Verification | A business narrative is required from the borrower to describe the type of business and number of employees. |  |  |  | Reviewer Comment (XXXX-08-20): Received Signed Business narrative form from Borrower with nature of business and Number of employees. Exception cleared<br>Buyer Comment (XXXX-08-19): VOE and Internet Search | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to not meeting the income documentation (Business Narrative, Third Party VOE within 10 business days prior to the note date & Bank Statement) requirement. The exception will be cleared once all ATR specific Exceptions have been cured/Cleared. |  |  |  | Reviewer Comment (XXXX-08-20): All open Income/Asset ATR exception Cleared. Exception Cleared<br>Buyer Comment (XXXX-08-19): See Income Docs Missing exception for documents | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient Income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-20): All open Income/Asset ATR exception Cleared. Exception Cleared<br>Buyer Comment (XXXX-08-19): See Income Docs Missing exception for documents | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | Missing Third Party Verification of Employment from XXXX LLC. Verification provided is dated XXXX which is not within 10 business days prior to the Note date of XXXX. |  |  |  | Reviewer Comment (XXXX-08-20): Received Business website demonstrating activity supporting current business operations as third party Verification. Exception Cleared<br>Buyer Comment (XXXX-08-19): See Income Docs Missing exception for documents<br>Reviewer Comment (XXXX-08-06): VVOE provided however, the guidelines require either: <br> Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations.<br>Buyer Comment (XXXX-08-05): VVOE | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX 1084 or income worksheet | 1084 or income worksheet is missing in file. |  |  |  | Reviewer Comment (XXXX-08-05): Income worksheet uploaded. Cleared<br>Reviewer Comment (XXXX-08-05): Received illegible Income worksheet, require Legible copy of income Worksheet. Exception Remains<br>Buyer Comment (XXXX-08-01): income worksheet | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (XXXX-08-11): Received CDA. Exception Cleared<br>Buyer Comment (XXXX-08-08): CDA | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Deposit Receipt not provided |  | Gift fund deposit receipt of $XXXX is missing in file along with donor ability to gift. |  |  |  | Reviewer Comment (XXXX-08-05): Gift receipt provided.<br>Buyer Comment (XXXX-08-04): Gift Funds Receipt evidencing electronic transfer | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan was approved with an Originator Loan Designation of (NON-QM) but the required (Income worksheet) required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (XXXX-08-11): All Open income/Asset ATR Exception has been Cleared. Exception Cleared<br>Buyer Comment (XXXX-08-08): income worksheet provided | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-11): All Open income/Asset ATR Exception has been Cleared. Exception Cleared<br>Buyer Comment (XXXX-08-08): income worksheet provided | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | State Compliance | State Defect | XXXX CHL Complaint Agency Disclosure Timing Test | XXXX Home Loan: Borrower not provided with a document, at time of application, specifying the agency designated to receive complaints or inquiries about the origination and making of the loan. | Complaint Agency Disclosure is not within 3 days of initial application date. |  |  |  | Reviewer Comment (XXXX-08-05): Received Initial Complaint Agency Disclosure. Exception Cleared<br>Buyer Comment (XXXX-08-01): Initial Complaint Agency disclosure | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | D A C | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117003 | XXXX | XXXX | XXXX | XXXX | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient to cover the loan amount, provide revised binder or Replacement Cost Estimator to show adequate coverage. |  |  |  | Reviewer Comment (XXXX-08-08): XXXX state does not allows to Provide RCE. received Insurer Checklist confirmed Coverage was made to RCE. Exception Cleared<br>Buyer Comment (XXXX-08-06): Per Lender: SECOND PAGE OF CHECKLIST OF COVERAGE STATES REPLACEMENT COST COVERAGE AS LOSS SETTLEMENT BASIS<br>Buyer Comment (XXXX-08-06): HOI | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117003 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Verification appraisal was delivered to borrower within 3 days of closing was not provided. Waiver not provided. |  |  |  | Reviewer Comment (XXXX-08-06): Received Appraisal Delivery evidence. exception Cleared<br>Buyer Comment (XXXX-08-05): Please see attached receipt confirmation from Borrower signed on XXXX (day 1) - XXXX would have been day 2 and XXXX, day 3. Loan closed on XXXX. Please clear. | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A B | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117015 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX Insurance Verification, Statement, Tax Verification | Property Address "XXXX St" - Supporting document is required to verify Mortgage payment, taxes, insurance and HOA. |  |  |  | Reviewer Comment (XXXX-08-11): Received Final CD, Tax, HOI and Note for REO property XXXXt. Variance in Final 1003 amount and Verified document, however DTI is within tolerance limit. Exception Remains<br>Buyer Comment (XXXX-08-08): XXXX_PITIA | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117015 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX<br> Insurance Verification, Statement, Tax Verification<br> Other<br> Insurance Verification, Statement, Tax Verification<br> Insurance Verification, Statement, Tax Verification | Property Address "XXXX - Supporting document is required to verify the expense of $XXXX (HOA?).<br> Property Address "XXXX" - Supporting document is required to verify Mortgage payment, Taxes and Insurance.<br> Property Address "XXXX" - Supporting document is required to verify the expense of $XXXX<br> Property Address "XXXX - Supporting document is required to verify Mortgage payment, Taxes and Insurance.<br> Property Address "XXXX" - Supporting document is required to verify Mortgage payment, Taxes and Insurance. |  |  |  | Reviewer Comment (XXXX-08-15): Received All REO Properties Documents Exception Cleared<br>Buyer Comment (XXXX-08-14): HOI<br>Buyer Comment (XXXX-08-14): Tax<br>Buyer Comment (XXXX-08-14): Please see the calculation below: XXXX - Tax EOI Price XXXX \* Tax Rate XXXX) = XXXX XXXX_TAX XXXX/12 = XXXX<br>Reviewer Comment (XXXX-08-13): Received updated 1003 with change in Prperty expenses for XXXX, however Still missing Property Address "XXXX" - Supporting document is required to verify Tax IAO XXXX. Property Address "XXXX" - Supporting document is required to verify the expense of XXXX0.60. Exception Remains<br>Buyer Comment (XXXX-08-12): Property details<br>Buyer Comment (XXXX-08-12): Please see the updated 1003 - XXXX XXXX is impounded. Thank you!<br>Reviewer Comment (XXXX-08-11): Received REO property Document, there are veriance in Final 1003 and Verified document however DTI within Tolerance limit, still missing below documentation. Exception Remains<br> Property Address "XXXX" - Supporting document is required to verify the expense of XXXX (HOA?). Property Address "XXXX" - Supporting document is required to verify Tax IAO XXXX. Property Address "XXXX" - Supporting document is required to verify the expense of XXXX.<br>Buyer Comment (XXXX-08-08): REO documents uploaded- XXXX<br>Buyer Comment (XXXX-08-08): REO documents uploaded- XXXX<br>Buyer Comment (XXXX-08-08): REO documents uploaded - XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Investment | Purchase | C A | N/A | N/A | No |
| XXXX | XXXX | XXXX | 4350117017 | XXXX | XXXX | XXXX | XXXX | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 | Note Date: XXXX; Lien Position: 1 | A CDA is required but was not provided. |  |  |  | Reviewer Comment (XXXX-08-12): Provided.<br>Buyer Comment (XXXX-08-12): CDA | XXXX | XXXX | XXXX | 1 D A | XXXX | XXXX | Primary | Purchase | D B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117017 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX 2014 - 3% Points and Fees | XXXX 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.89375% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX or .89375%). | EV2 informational. |  |  |  | Buyer Comment (XXXX-08-06): Acknowledged as non-material. | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXXX exceeds tolerance of XXXX. Sufficient or excess cure was provided to the borrower at Closing. XXXX |  |  |  |  | Reviewer Comment (XXXX-08-07): Sufficient Cure Provided At Closing | XXXX | XXXX | XXXX | 1 A | XXXX | XXXX | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX | 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 XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XXXX) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. E-sign disclosure signed on XXXX and Application signed on XXXX. Initial Loan Estimate dated XXXX received by borrower on XXXX. |  |  |  | Reviewer Comment (XXXX-08-19): XXXX received r-sign consent agreement with consent accepted on XXXX and further review disclosure tracking present in the loan file for the Initial disclosures sent via fulfillment on XXXX and fulfillment presumed received on XXXX.<br>Buyer Comment (XXXX-08-18): Econsent | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to DTI exceeds guidelines limit of 45% for higher LTV. This exception will be cleared once all QM specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-15): Cleared<br>Buyer Comment (XXXX-08-14): investor approved exception | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.02860% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The loan was approved with an Originator Loan Designation of NON QM; but the DTI ratio exceeds the maximum allowed by the Investor guidelines causing the loan to waterfall through the QM Testing. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (XXXX-08-15): Investor exception provided<br>Buyer Comment (XXXX-08-14): investor approved exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX | XXXX | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of 49.02860% exceeds Guideline total debt ratio of 45.00000%. | DTI ratio exceeds the maximum allowed by the Investor guidelines. | Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and XXXX.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (XXXX-08-15): Investor exception provided.<br>Buyer Comment (XXXX-08-14): investor approved exception | XXXX | XXXX | XXXX | 2 C B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | DTI ratio exceeds the maximum allowed by the Investor guidelines of 45%. |  |  |  | Reviewer Comment (XXXX-08-15): Cleared<br>Buyer Comment (XXXX-08-14): investor approved exception | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX Party Verification | Require Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to XXXX purchase is required with one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations. |  |  |  | Reviewer Comment (XXXX-08-19): Bank statement from business showing business transactions 10 days prior to closing also, deposit receipt is provided in file within 10 business days from note date. Exception cleared.<br>Buyer Comment (XXXX-08-15): Bank statement from business showing business transactions 10 days prior to closing. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | XXXX | 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 XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/XXXX) | Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XXXX received by borrower on XXXX. |  |  |  | Reviewer Comment (XXXX-08-12): Earlier dated E-Consent provided.<br>Buyer Comment (XXXX-08-12): XXXX e-consent. | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-19): Cleared. Documentation provided.<br>Buyer Comment (XXXX-08-19): Should this have been cleared with verification of business | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | The loan was approved with an Originator Loan Designation of (NON-QM) but the required Verification of Business Document required per Investor Guidelines was not provided causing the loan to waterfall through the QM Testing. |  |  |  | Reviewer Comment (XXXX-08-19): Cleared. Documentation provided.<br>Buyer Comment (XXXX-08-19): Should this have been cleared with the credit exception for verification of business | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | Address: XXXX | XXXX HOA of $XXXX verification in file. HOA doc for $XXXX in file is for XXXX |  |  |  | Reviewer Comment (XXXX-08-12): Revised 1003 reflecting no other obligations for this property provided.<br>Buyer Comment (XXXX-08-12): Removed HOA from subject property, | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Appraisal report XXXX issued within 3 days of note date XXXX. |  |  |  | Reviewer Comment (XXXX-08-15): Original Appraisal and Delivery evidence received. Exception Cleared<br>Buyer Comment (XXXX-08-14): Delivery<br>Buyer Comment (XXXX-08-14): Appraisal | XXXX | XXXX | XXXX | 1 B A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of 8.36862% or Final Disclosure APR of 8.36900% is equal to or greater than the threshold of APOR 6.75% + 1.5%, or 8.25000%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | Reviewer Comment (XXXX-08-15): Original Appraisal and Delivery evidence received. Exception Cleared<br>Buyer Comment (XXXX-08-14): Please see uploaded initial appraisal and delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/XXXX) | Creditor did not provide a copy of each valuation to applicant three (3) business days prior to Appraisal report XXXX issued within 3 days of note date XXXX. duplicate exception. please override. |  |  |  | Reviewer Comment (XXXX-08-15): Original Appraisal and Delivery evidence received. Exception Cleared<br>Buyer Comment (XXXX-08-14): Please see uploaded initial appraisal and delivery | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/XXXX) | Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Earlier receipt was not provided |  |  |  | Reviewer Comment (XXXX-08-14): XXXX received signed CD received 3 business days prior to closing.<br>Buyer Comment (XXXX-08-14): Executed Initial CD | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business Bank statement (XXXX LLC) XXXX for XXXX not provided. |  |  |  | Reviewer Comment (XXXX-08-15): Received Business Bank statement (XXXX LLC) XXXX for XXXX. Exception Cleared<br>Buyer Comment (XXXX-08-14): XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | Business Bank statement (XXXX LLC) XXXX for XXXX not provided. duplicate exception. please override. |  |  |  | Reviewer Comment (XXXX-08-15): Received Business Bank statement (XXXX LLC) XXXX for XXXX. Exception Cleared<br>Buyer Comment (XXXX-08-14): see XXXX stmt | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | Borrower: XXXX XXXX, Borrower: XXXX XXXX Account Statements - Business<br> Account Statements - Business | Business Bank statement (XXXX LLC) XXXX for XXXX not provided. |  |  |  | Reviewer Comment (XXXX-08-15): Received Business Bank statement (XXXX LLC) XXXX for XXXX. Exception Cleared<br>Buyer Comment (XXXX-08-14): see XXXX stmt | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | ATR failure due to insufficient income documentation. This exception will be cleared once all ATR specific exceptions have been cured/cleared. |  |  |  | Reviewer Comment (XXXX-08-15): All Open ATR Income/Asset related exception has been cleared. Exception Cleared<br>Buyer Comment (XXXX-08-14): see XXXX stmt | XXXX | XXXX | XXXX | 1 B A C | XXXX | XXXX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan Designation failure due to Non-QM failure. This exception will be cleared once all Non-QM specific exception have been cured/cleared. Bank Statement for XXXX not provided. |  |  |  | Reviewer Comment (XXXX-08-15): All Open ATR Income/Asset related exception has been cleared. Exception Cleared<br>Buyer Comment (XXXX-08-14): see XXXX stmt | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117018 | XXXX | XXXX | XXXX | XXXX | Compliance | Compliance | Federal Compliance | GSE | XXXX 2014 - 3% Points and Fees | XXXX 2014 3% Points and Fees Test. Points and Fees on subject loan of 3.17456% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXX on a Federal Total Loan Amount of $XXXX vs. an investor allowable total of $XXXX (an overage of $XXXX | EV2 informational |  |  |  | Buyer Comment (XXXX-08-21): Acknowledged non-material | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | XXXX | XXXX | Credit | Property - Appraisal | Property Eligibility - Subject and Improvements | Property - Appraisal | Guideline Issue: Property type not allowed per credit guidelines |  | Appraisal report images reflect XXXX, however as per guide XXXXs/Working XXXXs properties are ineligible. Client to review and confirm acceptability. It should be noted that b1 business is XXXX a veterinarian business. | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least XXXX.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | XXXX | Reviewer Comment (XXXX-08-22): Investor exception provided.<br>Reviewer Comment (XXXX-08-22): Moving to XXXX<br>Buyer Comment (XXXX-08-21): loan will be moving to XXXX<br>Buyer Comment (XXXX-08-21): investor exception approval | XXXX | XXXX | XXXX | 2 B | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: W-2 Transcript not provided |  | B2 XXXX and XXXX business income used, require W2 transcripts. |  |  |  | Reviewer Comment (XXXX-08-28): Received XXXX and XXXX W-2 Transcript for Co-Borrower. Exception Cleared<br>Buyer Comment (XXXX-08-27): W2 transcripts | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C B A | Non QM | Non QM | No |
| XXXX | XXXX | XXXX | 4350117021 | XXXX | XXXX | XXXX | XXXX | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | Missing one of the following: <br> \* Evidence of current work (executed contracts or signed invoices)<br> \* Evidence of current business receipts<br> \* Business website demonstrating activity supporting current business operations. |  |  |  | Reviewer Comment (XXXX-08-29): Internet search provided.<br>Buyer Comment (XXXX-08-28): Internet Search and XXXX | XXXX | XXXX | XXXX | 1 C A | XXXX | XXXX | Primary | Purchase | C A | Non QM | Non QM | No |

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## Exhibit 99.4

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.4**

![](situs-logo.jpg)

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|:---|
| **Rating Agency Grades** |
| **Run Date - 9/17/2025 3:07:41 PM** |

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| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Moody's** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116672 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | XXXX C | B | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | XXXX C | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116681 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | XXXX B | B | A | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | XXXX B | B | A | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | XXXX B | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116695 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | XXXX C | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116708 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116709 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | XXXX C | B | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116715 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116716 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116723 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | XXXX B | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116727 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | XXXX A | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116729 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | XXXX B | B C | A | A | B C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116737 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116748 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116750 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116753 | XXXX | XXXX | XXXX D | A | A | A | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | XXXX A | C | B | B | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | XXXX C D | A | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116761 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | XXXX C | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | XXXX D | C | A | A | D | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | XXXX B | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116767 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116771 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116773 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | XXXX A | B | A | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | XXXX B | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | XXXX C | B | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116778 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116783 | XXXX | XXXX | XXXX B | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | XXXX C | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | XXXX C | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | XXXX B | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | XXXX C | B | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116790 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | XXXX C | B | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | XXXX A |  | C | C | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | XXXX C | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116800 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116803 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | XXXX B | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | XXXX C | B | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116810 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116811 | XXXX | XXXX | XXXX B | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116813 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116822 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116825 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116826 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | XXXX C | B | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116830 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | XXXX B | A | A | N/A B | B | B | B | A B | B |  |
| XXXX | XXXX | XXXX | 4350116834 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | XXXX C | A | C | C | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116846 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116849 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116850 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | XXXX B | B | A | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | XXXX B | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116858 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | XXXX B | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116860 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116864 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | XXXX C | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116867 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116869 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | XXXX C | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116871 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116872 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | XXXX B | B | A | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116885 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | XXXX B | B | A | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116889 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116892 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116893 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116895 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116897 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116899 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | XXXX B | B | A | A | B | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | XXXX B | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117025 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116906 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116907 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | XXXX C | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | XXXX B | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116917 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116918 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116919 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116920 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116921 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116926 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116930 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116935 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116937 | XXXX | XXXX | XXXX A | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116938 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116941 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116942 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | XXXX C | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116948 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116949 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | XXXX B | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | XXXX A | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | XXXX A | A | D | D | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116959 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116961 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116963 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116964 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116977 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | XXXX C |  | A | A | C | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | XXXX C | B | B | B | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116984 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116987 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | XXXX B | B | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | XXXX A | B | A | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | XXXX B |  | A | A | B | B |  | A | B |  |
| XXXX | XXXX | XXXX | 4350116993 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | XXXX C |  | A | A | C | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | XXXX A | B | A | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | XXXX A |  | A | A | A | A |  | A | A |  |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | XXXX C D | A | A | A | C D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117000 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | XXXX C D | A | A | A | C D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117005 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117022 | XXXX | XXXX | XXXX B | A | A | A | B | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | XXXX D | A | A | A | D | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350116998 | XXXX | XXXX | XXXX C | B | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | XXXX D | B | A | A | D | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | XXXX C | B | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117013 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | XXXX C | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117007 | XXXX | XXXX | XXXX A | B | A | A | B | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | XXXX C | C | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | XXXX C | C | A | A | C | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | XXXX C | C | D | D | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | XXXX C | C | D | D | D | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117003 | XXXX | XXXX | XXXX C | B | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117015 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117017 | XXXX | XXXX | XXXX A | B | D | D | D | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | XXXX C | C | A | A | C | B | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | XXXX C | C | A | A | C | A | A | A | A |  |
| XXXX | XXXX | XXXX | 4350117018 | XXXX | XXXX | XXXX A | B | A | A | B | A | B | A | B |  |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | XXXX C | A | A | A | C | B | A | A | B |  |
| XXXX | XXXX | XXXX | 4350117021 | XXXX | XXXX | XXXX C | A | A | A | C | A | A | A | A |  |

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## Exhibit 99.5

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.5**

![](situs-logo.jpg)

---

| |
|:---|
| **Data Compare (Non-Ignored)** |
| **Run Date - 9/17/2025 3:08:09 PM** |

---

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | # of Units | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | # of Units | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | # of Units | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116753 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Borrower is Business Entity as per Note. |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116822 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116885 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116897 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116907 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116930 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116948 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116959 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116987 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350117008 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | Borrower First Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350117017 | XXXX | XXXX | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350117021 | XXXX | XXXX | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | Borrower Full Name | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117025 | XXXX | XXXX | Borrower Full Name | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116753 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Borrower is Business Entity as per Note. |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116822 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116860 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116885 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116907 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116930 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116949 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116963 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116987 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116999 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | Borrower Last Name | XXXX | XXXX | Verified | Field Value reflects Borrower name as it appears on the Note |
| XXXX | XXXX | XXXX | 4350116672 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116753 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116822 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116885 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116907 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116930 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116948 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116987 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | Borrower SSN | XXXX | XXXX | Verified | Field Value verified by application or other documentation in file |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | City | XXXX | XXXX | Verified | City per USPS should be Tujunga |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | City | XXXX | XXXX | Verified | Field Value reflects City per Note |
| XXXX | XXXX | XXXX | 4350117013 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117007 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117003 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | Decision System | DU |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | Decision System |  |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117018 | XXXX | XXXX | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | Doc Type | 12mo Bank Statement | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | Doc Type | 12mo Bank Statement | 24mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | Doc Type | 1yr 1099 | 2yr 1099 | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | Doc Type | Full | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 1yr P&L w/Bank Statements | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | Doc Type | 24mo Bank Statement | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | Doc Type | 24mo Bank Statement | 12mo Bank Statement |  |  |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | Doc Type | Full | WVOE | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Doc Type | 1yr 1099 | 2yr 1099 | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | Doc Type | 1yr P&L w/o Bank Statements | 1yr P&L w/Bank Statements | Verified | Field Value reflects documentation located in origination file |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116672 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116695 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116708 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116709 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116715 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116716 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116723 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116729 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116748 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116750 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116761 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116767 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116771 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116773 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116778 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116790 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116800 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116803 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116810 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116813 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116822 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116825 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116830 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116834 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116846 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116850 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116858 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116860 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116867 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116869 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116871 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116872 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116885 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116889 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116892 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116895 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116897 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116899 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116906 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116907 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116918 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116919 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116921 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116926 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116930 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116938 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116941 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116942 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116948 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116949 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116961 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116963 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116964 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | showing in final closing disclosure |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116977 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116987 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | Escrow Account | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116993 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | XXXX | 4350117025 | XXXX | XXXX | First Payment Date | XXXX | XXXX | Verified | Field Value reflects First Payment Date per the Note |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | Has FTHB | 1 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | Has FTHB | 0 | 1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 15 | 18.20332 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 48.334 | 44.0964 | Verified | Missing supporting documentation for co-borrower's income. |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 37.63 | 34.97988 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 15 | 19.97891 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 50 | 21.81016 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 16.737 | 33.91029 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 30.359 | 37.58357 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 17.534 | 23.57667 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 49.242 | 52.68553 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 45.977 | 41.35798 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 30 | 46.44148 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116730 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 48.67 | 52.15962 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 45 | 41.05133 | Verified | missing worksheet |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 28.231 | 31.58192 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 35 | 45.46064 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 37.82 | 28.76836 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 19.287 | 16.81306 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 35 | 38.13476 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 40 | 44.99171 | Verified | Correctly updated |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 45.308 | 41.39379 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 46.414 | 41.74978 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 43.59 | 46.54112 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 14.768 | 29.76353 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 18.847 | 20.87052 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116773 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 19.969 | 16.09562 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 45 | 41.89778 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 12 | 29.21961 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 10 | 3.77008 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 45 | 40.7718 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 34.721 | 32.13457 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 32.355 | 42.52266 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116811 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 49.85 | 52.34563 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 30.432 | 32.90041 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 48.08 | 31.54947 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116825 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 24.94 | 35.86283 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 35.55 | 27.16007 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 35 | 40.9195 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 32.085 | 26.46923 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 38.242 | 42.6383 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 12.18 | 16.59595 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 38.854 | 36.5814 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 47.993 | 45.56726 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 53.459 | 43.17476 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 40 | 42.04218 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116864 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 35 | 44.49439 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 36.207 | 47.25328 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 24.05 | 48.05932 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 55 | 51.36748 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 18 | 10.41756 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 30 | 40.68518 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 36.047 | 28.15772 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 30.312 | 34.37598 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 30 | 40.13485 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 50 | 45.77707 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 46.644 | 43.70338 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 29.863 | 39.57211 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 10 | 7.1636 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 23.574 | 31.38376 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 32.896 | 41.45104 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 0.0001 | 14.14742 | Verified | asper provided income document and UW income calculation XXXX |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 46.126 | 40.54079 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 26.596 | 32.59437 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 35 | 31.47046 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 50 | 44.47675 | Verified | P&L of $XXXX is considered and lender has considered $XXXX which is post 120 months of interest only. |
| XXXX | XXXX | XXXX | 4350116998 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 43.9 | 33.6347 | Verified | Field Value DTI matches 1008 DTI. |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 29.185 | 32.41783 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| XXXX | XXXX | XXXX | 4350117002 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 45.164 | 18.32937 | Verified | Field Value DTI matches the 1008 DTI. |
| XXXX | XXXX | XXXX | 4350117003 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 23.011 | 28.55219 | Verified | As per income worksheet "Lender Qualifying method income is $XXXX. however as per 1008 and final 1003 the Qualifying method income is $XXXX. |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 10.4005 | 7.61445 | Verified | Per 1008 DTI is 7.615% and calculated DTI is 7.615% |
| XXXX | XXXX | XXXX | 4350117018 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 42.0672 | 37.42516 | Verified | Field value is lower |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | Investor: Qualifying Total Debt Ratio | 45.6396 | 43.49302 | Verified | Per AUS DTI is 43.493% and calculated DTI is 43.493% |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116681 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116709 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Tape Date is blank |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116727 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116729 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116737 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Bid Tape Field Value is Blank |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116834 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Tape Data is blank. |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116846 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | "The Bid Tape Field Value was not provided." |
| XXXX | XXXX | XXXX | 4350116858 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116872 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116889 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Bid Tape Field Value is Blank |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | "The Bid Tape Field Value was not provided" |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116977 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Bid Tape Field Value is not provided. |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116993 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | Lender | XXXX | XXXX | Verified | Field Value reflects Lender name per the Note |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | Margin | XXXX | XXXX | Verified | Field Value reflects 'Margin' per the Note |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | XXXX | 4350117025 | XXXX | XXXX | Maturity Date | XXXX | XXXX | Verified | Field Value reflects Maturity Date per the Note |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117000 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117005 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117022 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117013 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117010 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117007 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117009 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117012 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | The Bid Tape Field Value was not provided. |
| XXXX | XXXX | XXXX | 4350117016 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117003 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117014 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117020 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350117018 | XXXX | XXXX | Note Date | XXXX | XXXX | Verified | Field Value reflects Note Date per the Note |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Occupancy | Primary | Investment | Verified | Field Value reflects Occupancy per the Final Loan Application |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Original CLTV | 49.9 | 73.75479 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Original CLTV | 34.3333 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116708 | XXXX | XXXX | Original CLTV | 68.57 | 66.2069 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | Original CLTV | 49.091 | 56.1039 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | Original CLTV | 64.7619 | 62.82353 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | Original CLTV | 72.7273 | 63.82979 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | Original CLTV | 75 | 69.94118 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Original CLTV | 66.63 | 63.968 | Verified | Tape Value is rounded and within less than 1% of actual calculated CLTV |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | Original CLTV | 40.58 | 36.08247 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Original CLTV | 65.325 | 68.325 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Original CLTV | 27.68 | 38.10245 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Original CLTV | 70 | 68.94019 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Original CLTV | 75 | 73.03077 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | Original CLTV | 80 | 82.05758 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | Original CLTV | 80 | 78.59977 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | Original CLTV | 75 | 73.20755 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Original CLTV | 74.28 | 73.23944 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | Original CLTV | 80 | 85 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Original CLTV | 64 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | Original CLTV | 65 | 53.3 |  |  |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | Original CLTV | 77.9 | 76.25 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116938 | XXXX | XXXX | Original CLTV | 58.94 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | Original CLTV | 75 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | Original CLTV | 85 | 89.9 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | Original Interest Rate | 7.75 | 8.375 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Original Interest Rate | 7.125 | 7 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | Original Interest Rate | 8.75 | 8.875 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | Original Interest Rate | 7.5 | 7.375 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | Original Interest Rate | 6.99 | 6.875 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | Original Interest Rate | 7.75 | 7.625 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | Original Interest Rate | 7.5 | 7.49 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | Original Interest Rate | 7 | 6.99 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | Original Interest Rate | 7.99 | 8.625 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Original Interest Rate | 7.5 | 7.625 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | Original Interest Rate | 7.375 | 7.25 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116864 | XXXX | XXXX | Original Interest Rate | 8 | 7.99 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116869 | XXXX | XXXX | Original Interest Rate | 7.25 | 7.625 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | Original Interest Rate | 7.49 | 7.99 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Original Interest Rate | 7.75 | 7.875 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | Original Interest Rate | 7.625 | 8.125 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | Original Interest Rate | 8.375 | 7.75 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116926 | XXXX | XXXX | Original Interest Rate | 6.75 | 6.49 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | Original Interest Rate | 7.5 | 7.499 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | Original Interest Rate | 7.499 | 7.49 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | Original Interest Rate | 8 | 7.875 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350117007 | XXXX | XXXX | Original Interest Rate | 8.25 | 8.125 | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Original Loan Amount | XXXX | XXXX | Verified | Field Value reflects the Note value |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | Original LTV | 85 | 89.9 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| XXXX | XXXX | XXXX | 4350117027 | XXXX | XXXX | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | XXXX | 4350117025 | XXXX | XXXX | Original P&I | XXXX | XXXX | Verified | Field Value reflects Note value |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | PITIA Reserves Months | 12 | 37.16 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | PITIA Reserves Months | 30 | 87.3 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116672 | XXXX | XXXX | PITIA Reserves Months | 9 | 75.86 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | PITIA Reserves Months | 12 | 16.32 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | PITIA Reserves Months | 6 | 27.47 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | PITIA Reserves Months | 12 | 51.3 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | PITIA Reserves Months | 9 | 8.9 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | PITIA Reserves Months | 12 | 78.99 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | PITIA Reserves Months | 12 | 18.65 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116681 | XXXX | XXXX | PITIA Reserves Months | 12 | 107.82 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | PITIA Reserves Months | 12 | 108.16 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | PITIA Reserves Months | 6 | 35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | PITIA Reserves Months | 9 | 10.97 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | PITIA Reserves Months | 6 | 45.35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | PITIA Reserves Months | 9 | 341.47 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | PITIA Reserves Months | 6 | 9.72 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | PITIA Reserves Months | 90 | 102.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | PITIA Reserves Months | 24 | 12.31 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | PITIA Reserves Months | 9 | 25.72 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | PITIA Reserves Months | 6 | 24.54 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116695 | XXXX | XXXX | PITIA Reserves Months | 6 | 40.34 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | PITIA Reserves Months | 3 | 43.02 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.22 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | PITIA Reserves Months | 16 | 19.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | PITIA Reserves Months | 6 | 15.94 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | PITIA Reserves Months | 10 | 6.24 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | PITIA Reserves Months | 9 | 59.45 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | PITIA Reserves Months | 6 | 30.25 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | PITIA Reserves Months | 6 | 19.7 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116708 | XXXX | XXXX | PITIA Reserves Months | 6 | 9.87 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116709 | XXXX | XXXX | PITIA Reserves Months | 12 | 9.95 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | PITIA Reserves Months | 6 | 13.14 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | PITIA Reserves Months | 6 | 37.85 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | PITIA Reserves Months | 6 | 2.39 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | PITIA Reserves Months | 6 | 43.57 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | PITIA Reserves Months | 9 | 81.56 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116715 | XXXX | XXXX | PITIA Reserves Months | 6 | 13.58 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116716 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.04 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | PITIA Reserves Months | 12 | 19.68 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | PITIA Reserves Months | 12 | 64.92 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | PITIA Reserves Months | 24 | 7.32 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | PITIA Reserves Months | 6 | 29.59 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | PITIA Reserves Months | 12 | 79.75 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | PITIA Reserves Months | 12 | 112.18 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116723 | XXXX | XXXX | PITIA Reserves Months | 6 | 41.88 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | PITIA Reserves Months | 9 | 407.98 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | PITIA Reserves Months | 6 | 14.68 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.25 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116727 | XXXX | XXXX | PITIA Reserves Months | 12 | 33.66 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | PITIA Reserves Months | 6 | 12.39 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116729 | XXXX | XXXX | PITIA Reserves Months | 12 | 29.29 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | PITIA Reserves Months | 9 | 16.79 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | PITIA Reserves Months | 20 | 56.63 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.58 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | PITIA Reserves Months | 6 | 6.01 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | PITIA Reserves Months | 9 | 45.62 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | PITIA Reserves Months | 12 | 8.37 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116737 | XXXX | XXXX | PITIA Reserves Months | 10 | 50.24 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | PITIA Reserves Months | 6 | 12.34 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | PITIA Reserves Months | 9 | 69.1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | PITIA Reserves Months | 6 | 6.05 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | PITIA Reserves Months | 12 | 6.97 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | PITIA Reserves Months | 6 | 14.28 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | PITIA Reserves Months | 9 | 40.65 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | PITIA Reserves Months | 6 | 36.94 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | PITIA Reserves Months | 6 | 67.05 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | PITIA Reserves Months | 12 | 15.02 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116748 | XXXX | XXXX | PITIA Reserves Months | 12 | 10.51 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | PITIA Reserves Months | 6 | 15.72 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116750 | XXXX | XXXX | PITIA Reserves Months | 12 | 20.22 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | PITIA Reserves Months | 12 | 12.19 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116753 | XXXX | XXXX | PITIA Reserves Months | 6 | 12.04 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | PITIA Reserves Months | 18 | 52.25 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.74 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | PITIA Reserves Months | 6 | 6.75 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | PITIA Reserves Months | 12 | 8.23 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | PITIA Reserves Months | 9 | 10.08 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116761 | XXXX | XXXX | PITIA Reserves Months | 12 | 63.2 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | PITIA Reserves Months | 12 | 6.05 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | PITIA Reserves Months | 24 | 29.94 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | PITIA Reserves Months | 6 | 128.49 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | PITIA Reserves Months | 6 | 81.99 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | PITIA Reserves Months | 36 | 42.01 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116767 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.06 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | PITIA Reserves Months | 6 | 14.49 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | PITIA Reserves Months | 6 | 10.35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | PITIA Reserves Months | 6 | 24.56 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116771 | XXXX | XXXX | PITIA Reserves Months | 6 | 23.21 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | PITIA Reserves Months | 24 | 71.74 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116773 | XXXX | XXXX | PITIA Reserves Months | 12 | 6.96 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | PITIA Reserves Months | 6 | 56.42 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | PITIA Reserves Months | 6 | 13.66 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | PITIA Reserves Months | 10 | 11.45 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | PITIA Reserves Months | 6 | 24.41 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116778 | XXXX | XXXX | PITIA Reserves Months | 30 | 27.39 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | PITIA Reserves Months | 6 | 78.75 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | PITIA Reserves Months | 20 | 95.13 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | PITIA Reserves Months | 6 | 23.5 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | PITIA Reserves Months | 9 | 38.83 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116783 | XXXX | XXXX | PITIA Reserves Months | 6 | 129.51 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | PITIA Reserves Months | 12 | 24.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.26 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | PITIA Reserves Months | 12 | 9.66 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | PITIA Reserves Months | 6 | 6.15 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | PITIA Reserves Months | 22 | 7.81 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116790 | XXXX | XXXX | PITIA Reserves Months | 6 | 10.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | PITIA Reserves Months | 25 | 30.99 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | PITIA Reserves Months | 9 | 37.47 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | PITIA Reserves Months | 7 | 81.97 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | PITIA Reserves Months | 36 | 20.57 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | PITIA Reserves Months | 10 | 117.72 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | PITIA Reserves Months | 10 | 15.56 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | PITIA Reserves Months | 6 | 109.88 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | PITIA Reserves Months | 12 | 51.17 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | PITIA Reserves Months | 40 | 78.22 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116800 | XXXX | XXXX | PITIA Reserves Months | 12 | 127.99 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | PITIA Reserves Months | 6 | 15.12 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116803 | XXXX | XXXX | PITIA Reserves Months | 6 | 27.46 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | PITIA Reserves Months | 6 | 3.7 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | PITIA Reserves Months | 12 | 180.31 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | PITIA Reserves Months | 12 | 130.98 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | PITIA Reserves Months | 9 | 110.71 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | PITIA Reserves Months | 30 | 35.05 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116810 | XXXX | XXXX | PITIA Reserves Months | 6 | 83.4 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | PITIA Reserves Months | 12 | 7.99 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116813 | XXXX | XXXX | PITIA Reserves Months | 12 | 26.09 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | PITIA Reserves Months | 12 | 10.68 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | PITIA Reserves Months | 9 | 106.2 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | PITIA Reserves Months | 6 | 19.5 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | PITIA Reserves Months | 9 | 21 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | PITIA Reserves Months | 6 | 11.79 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | PITIA Reserves Months | 6 | 11.95 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | PITIA Reserves Months | 6 | 13.76 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | PITIA Reserves Months | 6 | 24.36 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116822 | XXXX | XXXX | PITIA Reserves Months | 12 | 51.47 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116825 | XXXX | XXXX | PITIA Reserves Months | 6 | 9.22 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | PITIA Reserves Months | 12 | 14.22 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | PITIA Reserves Months | 12 | 21.41 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | PITIA Reserves Months | 6 | 9.26 | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116830 | XXXX | XXXX | PITIA Reserves Months | 9 | 91.34 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | PITIA Reserves Months | 6 | 20.87 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116834 | XXXX | XXXX | PITIA Reserves Months | 9 | 46.42 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | PITIA Reserves Months | 30 | 7.24 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | PITIA Reserves Months | 12 | 93.11 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | PITIA Reserves Months | 6 | 85.61 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | PITIA Reserves Months | 6 | 33.02 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | PITIA Reserves Months | 12 | 62.2 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | PITIA Reserves Months | 9 | 14.73 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | PITIA Reserves Months | 6 | 29.54 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | PITIA Reserves Months | 12 | 24.36 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | PITIA Reserves Months | 12 | 12.09 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | PITIA Reserves Months | 12 | 304.94 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | PITIA Reserves Months | 6 | 14.61 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116846 | XXXX | XXXX | PITIA Reserves Months | 80 | 89.23 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | PITIA Reserves Months | 10 | 22.23 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | PITIA Reserves Months | 50 | 57.99 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116850 | XXXX | XXXX | PITIA Reserves Months | 12 | 20.35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | PITIA Reserves Months | 12 | 8.1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | PITIA Reserves Months | 12 | 48.86 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.03 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116854 | XXXX | XXXX | PITIA Reserves Months | 3 | 26.54 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | PITIA Reserves Months | 6 | 71.32 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | PITIA Reserves Months | 90 | 102.15 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | PITIA Reserves Months | 9 | 8.03 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116858 | XXXX | XXXX | PITIA Reserves Months | 6 | 3.24 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | PITIA Reserves Months | 6 | 26.83 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116860 | XXXX | XXXX | PITIA Reserves Months | 12 | 13.65 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | PITIA Reserves Months | 10 | 12.93 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | PITIA Reserves Months | 6 | 18.35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | PITIA Reserves Months | 9 | 31.83 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116864 | XXXX | XXXX | PITIA Reserves Months | 24 | 46.31 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | PITIA Reserves Months | 5 | 9 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | PITIA Reserves Months | 12 | 19.33 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116867 | XXXX | XXXX | PITIA Reserves Months | 12 | 42.29 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | PITIA Reserves Months | 12 | 110.17 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116869 | XXXX | XXXX | PITIA Reserves Months | 6 | 17.89 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.03 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116871 | XXXX | XXXX | PITIA Reserves Months | 18 | 21.84 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116872 | XXXX | XXXX | PITIA Reserves Months | 12 | 22.33 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | PITIA Reserves Months | 6 | 209.46 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | PITIA Reserves Months | 6 | 27.67 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | PITIA Reserves Months | 9 | 474.15 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | PITIA Reserves Months | 9 | 530.55 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | PITIA Reserves Months | 9 | 410.51 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | PITIA Reserves Months | 9 | 27.45 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.05 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | PITIA Reserves Months | 6 | 106.14 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | PITIA Reserves Months | 24 | 85.35 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | PITIA Reserves Months | 6 | 9.64 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | PITIA Reserves Months | 10 | 106.08 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116885 | XXXX | XXXX | PITIA Reserves Months | 9 | 11.33 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | PITIA Reserves Months | 6 | 10.76 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | PITIA Reserves Months | 6 | 34.24 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | PITIA Reserves Months | 12 | 9.67 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116889 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.7 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | PITIA Reserves Months | 6 | 63.24 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | PITIA Reserves Months | 10 | 10.68 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116892 | XXXX | XXXX | PITIA Reserves Months | 6 | 27.13 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116893 | XXXX | XXXX | PITIA Reserves Months | 10 | 14.33 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | PITIA Reserves Months | 9 | 27.37 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116895 | XXXX | XXXX | PITIA Reserves Months | 100 | 95.58 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | PITIA Reserves Months | 6 | 121.95 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116897 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.37 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116899 | XXXX | XXXX | PITIA Reserves Months | 6 | 71.64 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | PITIA Reserves Months | 12 | 289.71 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | PITIA Reserves Months | 9 | 114.93 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | PITIA Reserves Months | 12 | 9.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.2 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | PITIA Reserves Months | 6 | 13.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | PITIA Reserves Months | 9 | 36.23 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116906 | XXXX | XXXX | PITIA Reserves Months | 6 | 66.12 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116907 | XXXX | XXXX | PITIA Reserves Months | 9 | 10.39 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | PITIA Reserves Months | 12 | 13.41 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | PITIA Reserves Months | 12 | 16.11 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | PITIA Reserves Months | 6 | 6.81 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | PITIA Reserves Months | 6 | 7.76 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | PITIA Reserves Months | 6 | 110.11 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | PITIA Reserves Months | 12 | 22.4 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | PITIA Reserves Months | 6 | 92.22 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | PITIA Reserves Months | 6 | 11.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116918 | XXXX | XXXX | PITIA Reserves Months | 6 | 40.3 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116919 | XXXX | XXXX | PITIA Reserves Months | 9 | 29.63 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116920 | XXXX | XXXX | PITIA Reserves Months | 10 | 723.55 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116921 | XXXX | XXXX | PITIA Reserves Months | 10 | 60.62 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | PITIA Reserves Months | 6 | 19.58 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | PITIA Reserves Months | 6 | 129.43 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | PITIA Reserves Months | 6 | 28.81 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | PITIA Reserves Months | 12 | 16.6 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116926 | XXXX | XXXX | PITIA Reserves Months | 6 | 32.19 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | PITIA Reserves Months | 12 | 0 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.25 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116930 | XXXX | XXXX | PITIA Reserves Months | 9 | 16.54 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | PITIA Reserves Months | 303 | 302.85 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | PITIA Reserves Months | 80 | 101.25 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | PITIA Reserves Months | 6 | 16.68 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | PITIA Reserves Months | 6 | 9.3 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116938 | XXXX | XXXX | PITIA Reserves Months | 12 | 20.69 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | PITIA Reserves Months | 6 | 8.94 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | PITIA Reserves Months | 6 | 16.15 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116941 | XXXX | XXXX | PITIA Reserves Months | 6 | 88.74 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116942 | XXXX | XXXX | PITIA Reserves Months | 3 | 3.42 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | PITIA Reserves Months | 12 | 160.03 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | PITIA Reserves Months | 10 | 27.2 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | PITIA Reserves Months | 6 | 101.36 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | PITIA Reserves Months | 6 | 18.82 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | PITIA Reserves Months | 12 | 45.26 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116948 | XXXX | XXXX | PITIA Reserves Months | 9 | 45.96 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116949 | XXXX | XXXX | PITIA Reserves Months | 9 | 46.49 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | PITIA Reserves Months | 3 | 65.31 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | PITIA Reserves Months | 12 | 38.65 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | PITIA Reserves Months | 12 | 12.84 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | PITIA Reserves Months | 12 | 82.69 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | PITIA Reserves Months | 12 | 9.85 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | PITIA Reserves Months | 6 | 111.46 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | PITIA Reserves Months | 6 | 25.08 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | PITIA Reserves Months | 12 | 588.71 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116959 | XXXX | XXXX | PITIA Reserves Months | 80 | 76 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | PITIA Reserves Months | 12 | 54.88 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116961 | XXXX | XXXX | PITIA Reserves Months | 9 | 122.79 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | PITIA Reserves Months | 80 | 88.65 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116963 | XXXX | XXXX | PITIA Reserves Months | 39 | 41.78 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116964 | XXXX | XXXX | PITIA Reserves Months | 12 | 22.38 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | PITIA Reserves Months | 18 | 11.09 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | PITIA Reserves Months | 20 | 15.39 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | PITIA Reserves Months | 12 | 13.67 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | PITIA Reserves Months | 36 | 79.33 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | PITIA Reserves Months | 12 | 6.71 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | PITIA Reserves Months | 6 | 6.73 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | PITIA Reserves Months | 6 | 15.68 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | PITIA Reserves Months | 9 | 19.29 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | PITIA Reserves Months | 24 | 28.06 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | PITIA Reserves Months | 4 | 49.46 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116977 | XXXX | XXXX | PITIA Reserves Months | 12 | 364.38 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | PITIA Reserves Months | 6 | 10.68 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | PITIA Reserves Months | 9 | 7.84 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | PITIA Reserves Months | 6 | 6.92 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | PITIA Reserves Months | 12 | 48.51 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | PITIA Reserves Months | 6 | 27.91 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | PITIA Reserves Months | 6 | 9.48 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | PITIA Reserves Months | 12 | 97.15 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | PITIA Reserves Months | 9 | 40.93 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116987 | XXXX | XXXX | PITIA Reserves Months | 9 | 40.97 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | PITIA Reserves Months | 3 | 7.23 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | PITIA Reserves Months | 9 | 103.06 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | PITIA Reserves Months | 6 | 21.84 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | PITIA Reserves Months | 34 | 32.1 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116993 | XXXX | XXXX | PITIA Reserves Months | 9 | 99.38 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | PITIA Reserves Months | 9 | 8.19 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | PITIA Reserves Months | 6 | 53.93 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | PITIA Reserves Months | 9 | 20.5 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | PITIA Reserves Months | 12 | 9.88 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | PITIA Reserves Months | 9 | 6.41 | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116708 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116709 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116713 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116716 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116723 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116729 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | Prepayment Penalty Period (months) | 24 | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116732 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116733 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note rider |
| XXXX | XXXX | XXXX | 4350116734 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116742 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116748 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116750 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116764 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116767 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116771 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116773 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116787 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116789 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116790 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116800 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116803 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116810 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116812 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116825 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116830 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116835 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | Prepayment Penalty Period (months) | 36 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116860 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116861 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116864 | XXXX | XXXX | Prepayment Penalty Period (months) | 12 | 24 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116869 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116870 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | No Prepayment Penalty |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116893 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116895 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116897 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116899 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116918 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116921 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116926 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116941 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116959 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | Prepayment Penalty Period (months) | 12 | 60 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Prepayment Penalty Period (months) | 12 | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 | 36 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | No Prepayment as per Note document |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | Prepayment Penalty Period (months) | 1000 |  | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116681 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116689 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116695 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116699 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116709 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116711 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Unable to verify due to missing information |
| XXXX | XXXX | XXXX | 4350116718 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116726 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116727 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116729 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116737 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116747 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116749 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116751 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116756 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116758 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116775 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116776 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116778 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116780 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116781 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116792 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116807 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116816 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116827 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116829 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116834 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116838 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116841 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116846 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116847 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116857 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116858 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116868 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116871 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116872 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116878 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116884 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116889 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116904 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116909 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116913 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116922 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116924 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116928 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116929 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116933 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116943 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116946 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116953 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116961 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116971 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116977 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116979 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116982 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116986 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116992 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116993 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116995 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | Product Description | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116666 | XXXX | XXXX | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | Property Type | Multi (Blanket) | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | Property Type | Multi (Blanket) | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116681 | XXXX | XXXX | Property Type | Multi (Blanket) | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116687 | XXXX | XXXX | Property Type | Multi (Blanket) | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116710 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116762 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116793 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | Property Type | PUD | Single Family Detached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116813 | XXXX | XXXX | Property Type | Single Family Detached | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116853 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value reflects the Approval/AUS in file. |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350117026 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116903 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116906 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116931 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116939 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116947 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116960 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116961 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350117011 | XXXX | XXXX | Property Type | 3 Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116998 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350117001 | XXXX | XXXX | Property Type | Condo | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350117023 | XXXX | XXXX | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Refi Purpose | Cash-out | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116997 | XXXX | XXXX | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350117024 | XXXX | XXXX | Refi Purpose |  | Rate/Term | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > XXXX or 2% of loan amount per HUD-1/CD |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | Representative FICO | 739 | 727 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116672 | XXXX | XXXX | Representative FICO | 0 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | Representative FICO | 773 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | Representative FICO | 730 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | Representative FICO | 704 | 712 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116736 | XXXX | XXXX | Representative FICO | 702 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116769 | XXXX | XXXX | Representative FICO | 664 | 695 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Representative FICO | 801 | 811 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | Representative FICO | 771 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | Representative FICO | 664 | 665 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | Representative FICO | 746 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116845 | XXXX | XXXX | Representative FICO | 760 | 786 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | Representative FICO | 776 | 818 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | Representative FICO | 763 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116882 | XXXX | XXXX | Representative FICO | 685 | 683 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | Representative FICO | 746 | 747 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116892 | XXXX | XXXX | Representative FICO | 759 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116893 | XXXX | XXXX | Representative FICO | 736 | 817 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116902 | XXXX | XXXX | Representative FICO | 735 | 743 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116920 | XXXX | XXXX | Representative FICO | 793 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116925 | XXXX | XXXX | Representative FICO | 804 | 812 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | Representative FICO | 799 | 795 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116958 | XXXX | XXXX | Representative FICO | 693 | 746 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116996 | XXXX | XXXX | Representative FICO | 0 |  | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116743 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116766 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116778 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116806 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116814 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116879 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116955 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350117004 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350117006 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350117019 | XXXX | XXXX | Street | XXXX | XXXX | Verified | Field Value reflects Street per Note |
| XXXX | XXXX | XXXX | 4350116668 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116674 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116676 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116679 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116680 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116681 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116683 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116684 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116686 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116688 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116690 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116691 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116693 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116698 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116702 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116703 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116705 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116707 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116708 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116712 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116714 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116717 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116720 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116721 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116722 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116723 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116724 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116731 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116735 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116737 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116739 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | This is Rate/Term Refinance and cash from borrower |
| XXXX | XXXX | XXXX | 4350116744 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116746 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116754 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116759 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116760 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116765 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116777 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116778 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116779 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116782 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116783 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116784 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116785 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116791 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116794 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116795 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116796 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116799 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116808 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116809 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116810 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116815 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116817 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116818 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116819 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116820 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116821 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116828 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116830 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116833 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116834 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116837 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116839 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116840 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116842 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116843 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116848 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116851 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116852 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116859 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116862 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116863 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116864 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116866 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116867 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116871 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116874 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116875 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116876 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116877 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116880 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116881 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116883 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116887 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116890 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116891 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116896 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116899 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116900 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116901 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116905 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116908 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116910 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116914 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116920 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116921 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116932 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116938 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116941 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116952 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116954 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116956 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116957 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116962 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116964 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116967 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116969 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Rate and Term Refinance |
| XXXX | XXXX | XXXX | 4350116972 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116973 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116974 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Calculated as per Document Details provided |
| XXXX | XXXX | XXXX | 4350116978 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116981 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116983 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116985 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116989 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116993 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116661 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116994 | XXXX | XXXX | Total Cash-out | XXXX | XXXX | Verified | Field value reflects source document |
| XXXX | XXXX | XXXX | 4350116673 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116678 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116692 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116697 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116706 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116719 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116725 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116728 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116737 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116738 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116741 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116745 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116763 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116768 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116770 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116772 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116774 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116786 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116797 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116798 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116802 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116804 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116836 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116844 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116855 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Security Instrument |
| XXXX | XXXX | XXXX | 4350116856 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116865 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116873 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116886 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116888 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116894 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116911 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116912 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116916 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116923 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116934 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116940 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116944 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116945 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116950 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116965 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116966 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116970 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116975 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116980 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116988 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |
| XXXX | XXXX | XXXX | 4350116991 | XXXX | XXXX | Zip | XXXX | XXXX | Verified | Field Value reflects Zip per Note |

---

## Exhibit 99.6

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**NARRATIVE**

**COLT 2025-10**

**By Canopy Financial Technology Partners LLC on September 17, 2025**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 801-792-2995 \| <u>www.canopytpr.com</u>

Address: 1 Research Court, Suite 450, Rockville, MD 20850

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

**Description of Services** 

Canopy Financial Technology Partners, LLC ("Canopy") performed certain due diligence services (the "Review) described below on Non-Agency Eligible Mortgage Loans ("Loans") backed by residential properties originated or acquired by Lone Star Residential Acquisitions, LLC (the "Client") or its affiliated company. The Review was conducted July 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one (1) loan with an aggregate principal balance of $855,000.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); S&P Global Ratings

**Data Integrity**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Margin (ARM Loan) | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Interest Only Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Prepayment Penalty Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor. In accordance with the type of fraud report provided, Canopy utilized the results provided by the Client along with information in the Loan File, to identify and address any potential misrepresentations including:

● Borrower identity:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

○ Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

**Document Review**

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation (when applicable)**

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.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;ii. Note,
 including all addendums

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Notice
 of Right to Cancel (as applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Rate
 Lock Date Information;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. HOEPA
 Disclosures (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Initial
 Escrow Account Disclosure

**II.** **Anti-Predatory Lending (Assignee Liability)** 

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

**III.** **Compliance Testing Elements** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. **Truth-in-Lending Act (TILA) / Regulation Z**: Loans were reviewed to determine compliance with the following
 requirements of TILA and Regulation Z, including, but not limited to, the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. **TILA/RESPA Integrated Disclosure Testing ("TRID")**. A review and comparison of LEs
 and CDs with a report outlining any TILA violations, including a re-calculation of disclosed
 finance charge, principal and interest calculations, proper completion of the Projected
 Payments table, total of payments, finance charge, amount financed, recalculation of
 disclosed APR and a review to determine disclosure differences were within the allowed
 tolerances and disclosures were provided within the required timeframes. Testing will
 be conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance
 Review Scope ("TRID Grid 4.0");

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. **Right of Rescission**. A review of the TILA Right of Rescission, Notice of Right to Cancel,
 including a verification of the transaction date and expiration date, ensuring proper
 execution of the Notice of Right to Cancel by all required parties, verifying the disbursement
 date and determining if a full three (3) day rescission period was adequately provided
 to the borrower(s). The appropriate Model Form will be tested according to applicable
 U.S. Court of Appeals, Circuit Court rulings;

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**Qualified Mortgage and Ability to Repay**. A review to ensure the mortgage loan meets the applicable Qualified Mortgage ("QM") and Ability-to-Repay ("ATR") requirements as set forth in regulations promulgated by the Consumer Financial Protection Bureau as found at 12 CFR § 1026.43. QM and ATR testing is detailed below. **Notwithstanding the foregoing, Seller is exempt from the ATR Rule pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. **Real Estate Settlement Procedures Act (RESPA)/Regulation X**: Review to ensure compliance
 with RESPA/Regulation X documentation and timing requirements in effect at origination
 of the mortgage loan for RESPA disclosures (Servicing Disclosure Statement; Affiliated
 Business Arrangement Disclosure; Initial Escrow Disclosure Statement; List of Homeownership
 Counselling Organizations).

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**e.** **Miscellaneous Compliance Testing:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mandatory
 Arbitration – Canopy will report mandatory arbitration provisions present in the
 Loan File.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Single
 Premium Credit Insurance – Canopy will report single premium credit insurance policies
 or debt cancellation agreements present in the Loan File.

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

**State & Local Anti-Predatory Requirements**

The following is an itemization of the generally understood current and historical state and local anti-predatory lending requirements, as customary in secondary market due diligence compliance testing:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**QUALIFIED MORTGAGE (QM)** 

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

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

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

**Ability to Repay (ATR)**

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

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

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

Notwithstanding the foregoing, Seller is exempt from the Ability to Repay Rule (including the revised QM definition) pursuant to 12 CFR 1026.43(a)(3)(iv)(A) as it is designated as a Community Development Financial Institution.

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**VALUATION REVIEW**

Canopy reviewed all appraisals and alternative value tools used to qualify the Loan for reasonableness of estimated value, integrity of comparable sales, completeness of data and eligibility of the appraiser, consistent with underwriting guidelines, variances, tolerances, and exception authorities established by Client. Additionally, Canopy determined that the appraised value appeared to be reasonably supported ("Value-Supported Analysis"), based on the valuation provided by the Independent Third-party Review.

● With respect to Title XI of FIRREA, Canopy checked for the presence of the appraiser's license, and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● With respect to USPAP, Canopy confirmed the appraiser's certification is present and executed within the original appraisal.

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

● In the event the Desk Review process yielded material exceptions or had a value exceeding a negative ten percent (-10%) variance, a field review was ordered to further establish value.

**Agency Eligible Loans:**

● For FNMA loans, if a CU Score was available and the CU Score was greater than 2.5, Canopy ordered a Desk Review. If the CU Score was less than or equal to 2.5, no Desk Review was required based on market acceptance of Agency Eligible Loans.

● For FHLMC loans, if the FHLMC Rep & Warrant Relief indicator was Not Eligible, Canopy ordered a Desk Review. If the FHLMC Rep & Warrant Relief indicator was Eligible, no Desk Review was required based on market acceptance of Agency Eligible Loans.

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**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

Upon completion of the Loan File review, Canopy assigned comprehensive grading that considers critical factors based on the specific review completed, in addition to product, client, and rating agency requirements.

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

---

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

---

---

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

---

---

| | |
|:---|:---|
| &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 |

---

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---

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

---

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% (1 loans) has an overall grade of "A" and 0.00% (0 loans) have an overall grade of "B".

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Canopy's review concluded a Credit grade of "A" for 100.00%, or one (1) mortgage loan reviewed and 0.00% (0 loans) had a credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, or one (1) mortgage loan reviewed and 0.00% (0 loans) had a compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 100.00%, or one (1) mortgage loan reviewed and 0.00% (0 loans) had a property grade of "B".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** | &nbsp;&nbsp;**CREDIT REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** | &nbsp;&nbsp;**COMPLIANCE REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** | &nbsp;&nbsp;**PROPERTY REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$855000.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$855000.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$855000.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$855000.00** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$855000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$855000.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |

---

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$855000.00 |
| &nbsp;&nbsp;361 – 420 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$855000.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$855000.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$855000.00** |

---

**DATA COMPARISON RESULTS**

Of the one (1) mortgage loans reviewed, zero (0) unique loans (0.00% by number) had zero (0) tape comparison discrepancy across zero (0) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;N/A | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |

---

------

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

![](ex996001.jpg)

**Disclaimer**

 

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

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance. Neither supplemental factual investigation nor enhanced reviews can guarantee that all information provided to the Company will be accurate. Reports are, and must be construed solely as, statements of opinion and not as statements of fact as to credit worthiness, investment, financial, or other recommendation to purchase, sell, or hold any security.* 

*Reports may contain assumptions and/or predictions regarding future events which are "forward-looking" and inherently cannot be verified as facts. Consequently, Reports may be affected by future events or conditions which were not anticipated at the time the Report was made. Such forward-looking statements necessarily involve risks and uncertainties which may result in future performance that is materially different from the Report's assumptions and/or conclusions. As such, Reports are not a guaranty of future performance nor a prospectus related to the underlying securities (if any), and under reliance should not be placed upon the Reports in the purchase, sale, or holding of any security.*

Canopy Financial Technology Partners \| <u>www.canopytpr.com</u> \|©2021 Proprietary and Confidential

## Exhibit 99.7

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 4350117028 |  | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Purchase NA |  |  |  |

---

## Exhibit 99.8

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.8**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350117028 |  | XXXX | XXXX A |

---

## Exhibit 99.9

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.9**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 4350117028 |  | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | 90 | 90 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |

---

## Exhibit 99.10

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.10**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |

---

## Exhibit 99.11

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.11**

**EXECUTIVE SUMMARY**

**COLT 2025-10**

**By Clarifii LLC on September 17, 2025**

COLT 2025-10 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 9 loans (the "Loans") and these loans were subsequently acquired by Lone Star Residential Acquisitions, LLC (the "Client") for the COLT 2025-10 transaction. The loans referenced in this narrative report were reviewed 07/2025 through 09/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;2 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;$836781.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$4349250.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$405000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5591031.00** |

---

The Review consisted of a population of 9 loans, with an aggregate principal balance of $5,591,031.00.

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

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

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

**LOAN SAMPLING**

The Client defined the sample size and requested Clarifii to perform a random sample of the Loans to be included in the Review. To Clarifii's knowledge, the Review covered 100% of the transaction loan population.

COLT 2025-10 Due Diligence Narrative Report – PagE \| 2

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019; <br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Field** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |

---

COLT 2025-10 Due Diligence Narrative Report – PagE \| 3

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |

---

COLT 2025-10 Due Diligence Narrative Report – PagE \| 4

---

| |
|:---|
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

COLT 2025-10 Due Diligence Narrative Report – PagE \| 5

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

COLT 2025-10 Due Diligence Narrative Report – PagE \| 6

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Social
 Security inconsistencies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 name variations

– Occupancy

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Borrower
 address history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Subject
 property ownership history

– Employment

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Mortgage
 lender/originator

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Loan
 officer

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

**Anti-** **Predatory Lending Requirements**, that are imposed by federal, state and/or local statutory, regulatory, or authoritative determinations (e.g., state constitutional provisions, ordinances, interpretations, judicial determinations, etc.) that impose civil or criminal liability upon the Assignee or

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may cause significant loss severity to the value of the Loan, including the Home Ownership and Equity Protection Act (HOEPA) and any state and local high-cost home loan laws. Assignee shall have the meaning as defined in the Truth in Lending Act (TILA).

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

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

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

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

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

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

Reviewed and compared LEs and CDs with a report outlining any TILA violations, including a recalculation of disclosed finance charges, principal and interest calculations, proper completion of the Projected Payments table, total of payments, finance charges, amount financed, recalculation of disclosed APR and a review to determine if disclosure differences were within the allowed tolerances and disclosures were provided within

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the required timeframes. Testing was conducted to fulfill the elements Structured Finance Association (SFA) TRID Compliance Review Scope ("TRID Grid 3.0" v.12/05/2019).

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, Clarifii reviewed the loan to determine

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whether, based on available information in the loan file the loan satisfied (i), (ii) and (iii) in the preceding paragraph and reviewed the Automated Underwriting System output within the file to confirm agency eligibility.

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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

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**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

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---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

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**Valuation Event Grade**

---

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

---

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** |

---

COLT 2025-10 Due Diligence Narrative Report – PagE \| 18

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$412500.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;$5178531.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5591031.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;22.22% | &nbsp;&nbsp;$1530000.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$306781.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$3754250.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5591031.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;6 | &nbsp;&nbsp;66.67% | &nbsp;&nbsp;$4349250.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% | &nbsp;&nbsp;$1241781.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5591031.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$5591031.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5591031.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;1 | &nbsp;&nbsp;11.11% | &nbsp;&nbsp;$1000000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;8 | &nbsp;&nbsp;88.89% | &nbsp;&nbsp;$4591031.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$5591031.00** |

---

**DATA COMPARE RESULTS**

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

COLT 2025-10 Due Diligence Narrative Report – PagE \| 19

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Field** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy%** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;8 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;4 | &nbsp;&nbsp;75% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100% |

---

COLT 2025-10 Due Diligence Narrative Report – PagE \| 20

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;5 | &nbsp;&nbsp;8 | &nbsp;&nbsp;37.50% |

---

COLT 2025-10 Due Diligence Narrative Report – PagE \| 21

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;80% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

*Please be advised that Clarifii has not determined whether the Loans comply with federal, state, or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clarifii's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee*

 

COLT 2025-10 Due Diligence Narrative Report – PagE \| 22

*liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clarifii's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. The findings reached by Clarifii are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clarifii and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clarifii do not constitute legal advice or opinions.*

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

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

*The Company does not provide investment, legal, or tax advice, and the Reports may not be construed as such. Reports are issued for the benefit of the entity requesting the Report, only, and may not be used by third parties without the express written consent of the Company and the requesting party. Reports are based on available information and current regulations as of the date of the Report, and the Company disclaims any obligation to update Reports due to a change of fact of regulation which occurs after the date of issuance.*© 2025 Clarifii LLC. All rights reserve

COLT 2025-10 Due Diligence Narrative Report – PagE \| 23

## Exhibit 99.12

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted to allow Interest Only with DSCR < 1, non-material waiver applied with comp factors. - Due Diligence Vendor-08/12/2025 <br>Open-DSCR Waived-Originator exception granted to allow Interest Only with DSCR < 1, non-material waiver applied with comp factors. - Due Diligence Vendor-08/12/2025<br>LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. - Fico Score points or more above requirement.<br> - LTV is 64.97% and max allowed is 75% ATR/QM: Exempt ATR/QM: Exempt XXXX XXXX Investment Refinance No Cash Out - Borrower Initiated Originator Post-Close N/A XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator exception granted to allow Non Warrantable condo with single entity ownership, non-material waiver applied with comp factors. material due to Borrower own 6 or 12 units. - Due Diligence Vendor-08/12/2025 <br>Open-Condo project is ineligible. Non warrantable condo single entity concentration of 50%.<br> Originator exception granted to allow concentration of 50%. Granted with reviewed comp factors. - Due Diligence Vendor-08/01/2025 |  | Waived-Originator exception granted to allow Non Warrantable condo with single entity ownership, non-material waiver applied with comp factors. material due to Borrower own 6 or 12 units. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. | -Fico Score points or more above requirement.<br> - LTV is 64.97% and max allowed is 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Title | Property Title Issue | Waived-Originator exception granted to allow 5 Members on LLC, non-material waiver applied with comp factors. - Due Diligence Vendor-08/12/2025 <br>Open-Property Title Issue. Vesting is an LLC with 5 members. Entity is limited to a maximum of four (4) member(s) or manager(s). <br> Originator exception granted to allow 5 members on vesting LLC. Applied to non material finding with reviewed comp factors. - Due Diligence Vendor-08/01/2025 |  | Waived-Originator exception granted to allow 5 Members on LLC, non-material waiver applied with comp factors. - Due Diligence Vendor-08/12/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. | -Fico Score points or more above requirement.<br> - LTV is 64.97% and max allowed is 75% |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final settlement statements for additional refinances reflecting sufficient funds for closing. Received life insurance policy for reserves. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. enclosed please find the assets that were in our file at initial loan submission - Seller-08/05/2025 <br> Counter-Received additional assets however still insufficient. Total assets required $XXXX - $XXXX (assets received) = $XXXX still needed. Finding remains - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. attached - Seller-08/01/2025 <br> Open-Total Qualified Assets Post-Close amount is '$XXXX. Assets are Insufficient. Missing assets to support total closing costs and reserves. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. enclosed please find the assets that were in our file at initial loan submission - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. attached - Seller-08/01/2025<br>| Resolved-Received final settlement statements for additional refinances reflecting sufficient funds for closing. Received life insurance policy for reserves. - Due Diligence Vendor-08/05/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received life insurance policy-sufficient for reserves. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. enclosed please find the assets that were in our file at initial loan submission - Seller-08/05/2025 <br> Counter-Received additional assets however still insufficient. Total assets required $XXXX- XXXX(assets received) = $XXXX still needed. Finding remains - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. attached - Seller-08/01/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s). Missing sufficient assets to support total reserves required. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. enclosed please find the assets that were in our file at initial loan submission - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. attached - Seller-08/01/2025<br>| Resolved-Received life insurance policy-sufficient for reserves. - Due Diligence Vendor-08/05/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Closing | Collections, liens or judgments not paid at closing | Resolved-Received buyers affidavit of title confirming not one in the same. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. affidavit attached, these do not belong to the borrower. - Seller-08/04/2025 <br> Open-Collections, liens or judgments not paid at closing. Missing proof of the following judgments satisfied acct#XXXX in the amount of $XXXX, acct#XXXX in the amount of $XXXX and acct# XXXX in the amount of $XXXX - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. affidavit attached, these do not belong to the borrower. - Seller-08/04/2025<br>| Resolved-Received buyers affidavit of title confirming not one in the same. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Master Flood Policy. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-08/01/2025 <br>Open-Missing Flood Insurance Policy Missing copy Flood Insurance Policy from the condo association. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. attached - Seller-08/01/2025<br>| Resolved-Received Master Flood Policy. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing current budget from HOA | Resolved-Received condo budget. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. budget attached - Seller-08/04/2025 <br>Open-Missing current budget from HOA. HOA Budget must include a dedicated line item allocation to replacement reserves of at least 8% of the budget. <br> - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. budget attached - Seller-08/04/2025<br>| Resolved-Received condo budget. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-08/01/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Provide a signed Condo Questionnaire. Additional Findings may apply. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. attached - Seller-08/01/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117029 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-Received HOA Questionnaire confirming estimate turnover 7/1/2025. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-attached - Seller-08/01/2025 <br>Open-Builder is in control of HOA. Missing documentation to support the developer is in control of the condominium association provided with the Master Agreement supporting the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. - Due Diligence Vendor-08/01/2025 | Ready for Review-attached - Seller-08/01/2025<br>| Resolved-Received HOA Questionnaire confirming estimate turnover 7/1/2025. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 64.97% and max allowed is 75%<br>Audited FICO is less than Guideline FICO - 794 FICO exceeds minimum required of 720. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted to allow DSCR < 1. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/12/2025 <br>Open-The Calculated DSCR of '0.859' is less than the minimum DSCR per lender guidelines of '1'. Required for I/O note - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted to allow DSCR < 1. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX | FICO 20 points over min required<br> Reserves 12+ months over minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted to allow 50% entity ownership. Borrower owns 6 of 12 units. waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/18/2025 <br>Open-Single entity ownership at 50%-max is 30% - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted to allow 50% entity ownership. Borrower owns 6 of XXXX units. waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX | FICO 20 points over min required<br> Reserves 12+ months over minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Borrower | Business Entity Formation Document is Incomplete | Waived-Originator exception granted to allow 5 member vested LLC, with maximum of 4 per guidelines. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/12/2025 <br>Open-The Business Entity Formation Document is incomplete 5 members belong to the vesting LLC not allowed - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted to allow 5 member vested LLC, with maximum of 4 per guidelines. Waiver applied to non-material finding with comp factors. - Due Diligence Vendor-08/12/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX | FICO 20 points over min required<br> Reserves 12+ months over minimum |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received final corrected settlement statement - no cash to borrower. Rate Term transaction. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. enclosed is the correct final settlement stmt - Seller-08/07/2025 <br> Counter-Subject transaction is consider cash out as borrower received $XXXX on this individual transaction - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. pls be advised borrower closed 6 loans at once, paid off a blanket mortgage, and divided the payoffs over the 6 loans. closing stmts and payoffs attached. - Seller-08/05/2025 <br> Counter-Review was unable to confirm payoff of construction loan-borrower received over $XXXX at closing. Original finding remains - Due Diligence Vendor-08/05/2025 <br> Ready for Review-loan is not cash out... it is a rate and term that paid off a construction loan - Seller-07/31/2025 <br> Open-Cash out and subject listed in the past 3 months for sale requires two year prepay, loan has only a one year prepay. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. enclosed is the correct final settlement stmt - Seller-08/07/2025 <br>Ready for Review-Document Uploaded. pls be advised borrower closed 6 loans at once, paid off a blanket mortgage, and divided the payoffs over the 6 loans. closing stmts and payoffs attached. - Seller-08/05/2025 <br>Ready for Review-loan is not cash out... it is a rate and term that paid off a construction loan - Seller-07/31/2025<br>| Resolved-Received final corrected settlement statement - no cash to borrower. Rate Term transaction. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received revised settlement statement reflecting borrower coming in with funds-rate term refi-LTV 75% is acceptable. - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. enclosed is the correct final settlement stmt - Seller-08/07/2025 <br> Counter-Borrower received $XXXX cash out on this transaction. Finding remains. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-per XXXX guidelines, the 5% reduction in LTV only applies when it was listed AND its a cash out transaction... ours is rate and term and can go up to 75% - Seller-08/06/2025 <br> Counter-Received MLS listing-Appraisal reflects most recent listing price of $XXXX-please clarify. Original finding remains. - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. we see a listing below with $XXXX list price. Our Loan amount $XXXX which is 67.76% LTV - Seller-07/31/2025 <br> Open-Audited LTV of 71.63% exceeds Guideline LTV of 70% LTV calculated using most recent listed price, Max 70% due LTV reduction for listed property - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. enclosed is the correct final settlement stmt - Seller-08/07/2025 <br> Ready for Review-per FM guidelines, the 5% reduction in LTV only applies when it was listed AND its a cash out transaction... ours is rate and term and can go up to 75% - Seller-08/06/2025 <br> Ready for Review-Document Uploaded. we see a listing below with $XXXX list price. Our Loan amount $XXXX, which is 67.76% LTV - Seller-07/31/2025 | Resolved-Received revised settlement statement reflecting borrower coming in with funds-rate term refi-LTV 75% is acceptable. - Due Diligence Vendor-08/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Received Flood insurance - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. flood ins - Seller-07/31/2025 <br>Open-Missing Flood Insurance Policy - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. flood ins - Seller-07/31/2025<br>| Resolved-Received Flood insurance - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, XXXX Coverage is not required when < 20 units. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-- not applicable for buildings with less than 20 units; there is 12 units total - Seller-07/31/2025 <br> Open-XXXX Coverage not met. Policy states theft but does not specify if it is for employee dishonesty. - Due Diligence Vendor-07/31/2025 | Ready for Review-- not applicable for buildings with less than 20 units; there is XXXX units total - Seller-07/31/2025 | Resolved-Upon further review, Fidelity Coverage is not required when < 20 units. - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117030 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA Questionnaire - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/31/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Project must meet guidelines. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. attached - Seller-07/31/2025<br>| Resolved-Received HOA Questionnaire - Due Diligence Vendor-08/04/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 794 Min FICO = 700<br>Months Reserves exceed minimum required - 3 months required borr has XXXX |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Subject Property is in a Flood Zone that requires Flood Insurance but Flood Insurance is not Present | Resolved-Subject Property is in Flood Zone AE and Flood Insurance is present or not required. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/31/2025 <br>Open-Subject Property is in Flood Zone AE but Flood Insurance is not present. No flood insurance present (Missing Master Insurance if it's covered) - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. attached - Seller-07/31/2025<br>| Resolved-Subject Property is in Flood Zone AE and Flood Insurance is present or not required. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Fidelity Coverage not met | Resolved-Upon further review, XXXX Coverage is not required for < 20 units. - Due Diligence Vendor-08/04/2025 <br> Ready for Review-1. - not applicable for buildings with less than 20 units; there is 12 units total - Seller-07/31/2025 <br> Open-Fidelity Coverage not met (missing Master Insurance to indicate coverage) - Due Diligence Vendor-07/31/2025 | Ready for Review-1. - not applicable for buildings with less than 20 units; there is XXXX units total - Seller-07/31/2025 | Resolved-Upon further review, Fidelity Coverage is not required for < 20 units. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/31/2025 <br>Open-Missing Flood Insurance Policy (if not covered by Master Insurance) - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. attached - Seller-07/31/2025<br>| Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Condo Master Insurance Policy is Missing | Resolved-Received Master Policy. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. enclosed master insurance was in our file from initial loan submission - Seller-08/05/2025 <br>Counter-Fidelity coverage is not required with < 20 Units, however the Master Policy is required. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-1. - not applicable for buildings with less than 20 units; there is 12 units total - Seller-07/31/2025 <br>Open-Missing Condo Master Insurance Policy - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. enclosed master insurance was in our file from initial loan submission - Seller-08/05/2025 <br> Ready for Review-1. - not applicable for buildings with less than 20 units; there is XXXX units total - Seller-07/31/2025 | Resolved-Received Master Policy. - Due Diligence Vendor-08/06/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Builder in Control of the HOA | Resolved-HOA questionnaire provided with an estimated turn date. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/31/2025 <br>Open-Builder is in control of HOA The developer may be in control of the condominium association provided the Master Agreement provides for the homeowners to take control upon either a predetermined percentage of unit sales or within a defined time period. Missing Condo Questionnaire with estimated date control will be turned over to homeowners - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. attached - Seller-07/31/2025<br>| Resolved-HOA questionnaire provided with an estimated turn date. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-HOA questionnaire provided. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/31/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. attached - Seller-07/31/2025<br>| Resolved-HOA questionnaire provided. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. attached - Seller-07/31/2025 <br>Open-Missing secondary valuation that supports value (CU score is 3.3 and LCA has no score) - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. attached - Seller-07/31/2025<br>| Resolved-Received Desk Review. Value Supported. - Due Diligence Vendor-08/04/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-Received 1008 - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. 1008 with uw comments - Seller-07/31/2025 <br>Open-Missing Approval/Underwriting Summary Missing 1008<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. 1008 with uw comments - Seller-07/31/2025<br>| Resolved-Received 1008 - Due Diligence Vendor-08/01/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo does not meet requirements | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/31/2025 <br> Open-EXCEPTION in file to proceed with non-warrantable condo. Condo meets all warrantable requirements with<br> exception of Single Entity ownership %. Building consists of XXXX units: XXXX sold, XXXX are kept by the<br> sponsor(our borrower)as rentals. Max units allowed to be owned by Single Entity is 2. All condo docs<br> provided, condo analytics reviewed the project.<br> - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-07/31/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 | LTV less than 70%, AND at least 5% less than guideline maximum<br> FICO higher than 740, AND at least 20 points higher than guideline minimum<br> Monthly reserves is verified AND at least 4 months more than guideline minimum<br> Housing payment history is 0x30x24 or better<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors and Consent of Members has been provided - Due Diligence Vendor-07/31/2025 <br>Open-EXCEPTION in file for 5 members on vesting LLC<br> - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors and Consent of Members has been provided - Due Diligence Vendor-07/31/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 | LTV less than 70%, AND at least 5% less than guideline maximum<br> FICO higher than 740, AND at least 20 points higher than guideline minimum<br> Monthly reserves is verified AND at least 4 months more than guideline minimum<br> Housing payment history is 0x30x24 or better<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117031 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-07/31/2025 <br>Open-The Calculated DSCR of '0.885' is less than the minimum DSCR per lender guidelines of '1'. EXCEPTION in file for DSCR under 1 on an I/O loan<br> - Due Diligence Vendor-07/31/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow w/comp factors - Due Diligence Vendor-07/31/2025<br>| LTV is less than guideline maximum - LTV is 65% vs max allowed to 75%<br>Months Reserves exceed minimum required - Reserves are XXXX with min required of 0 | LTV less than 70%, AND at least 5% less than guideline maximum<br> FICO higher than 740, AND at least 20 points higher than guideline minimum<br> Monthly reserves is verified AND at least 4 months more than guideline minimum<br> Housing payment history is 0x30x24 or better<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117032 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.74% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/12/2025 <br>Resolved-Received all business bank statements and income analysis. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. all bank statements and calculation are enclosed - Seller-08/06/2025 <br>Open-Audited DTI of 54.93% exceeds Guideline DTI of 50%. Missing Bank Statements to support income used for qualification. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. all bank statements and calculation are enclosed - Seller-08/06/2025<br>| Resolved-Audited DTI of 49.74% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-09/12/2025 <br>Resolved-Received all business bank statements and income analysis. - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - LTV is 64.66% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 700. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117032 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received business bank statements and income analysis. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. bank statements and calculation are enclosed - Seller-08/06/2025 <br> Open-Borrower 1 Business Bank Statements Missing. Provide Bank Statements used for income qualification for acct# XXXX. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. bank statements and calculation are enclosed - Seller-08/06/2025<br>| Resolved-Received business bank statements and income analysis. - Due Diligence Vendor-08/07/2025<br>| LTV is less than guideline maximum - LTV is 64.66% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 700. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117032 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/06/2025 <br>Open-S/E Borrower in the same business for over 5 yrs, but recently changed the LLC name - Due Diligence Vendor-08/06/2025 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-08/06/2025<br>| LTV is less than guideline maximum - LTV is 64.66% and max allowed is 80%<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 736 and minimum allowed is 700. | -LTV less than 70% at least 5% less than guideline maximum<br> - Monthly reserves is verified AND at least 4 months more than guideline minimum<br> - Borrower has verified residual income (disposable income) of at least XXXX per month<br> - Borrower has worked in same industry more than 5 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XXXX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117033 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted to allow 4 month proof of payment on private mortgage. Non-material waiver applied with comp factors. Deemed non-material due to 4 months provided, only 2 short. - Due Diligence Vendor-08/07/2025 <br>Open-DSCR loan does not meet program guidelines. Subject has a Private VOM with only proof of 4 months of rent and not 6 months.<br> - Due Diligence Vendor-08/07/2025 |  | Waived-Originator exception granted to allow 4 month proof of payment on private mortgage. Non-material waiver applied with comp factors. Deemed non-material due to 4 months provided, only 2 short. - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has XXXX of reserves and only 3 months required | -Fico 20 points or more above requirement<br> - Long term home ownership(>5 years) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117033 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Closing | Prepayment Penalty Issue | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-08/07/2025 <br> Open-Prepayment Penalty Issue. Prepayment Penalty Issue. Per XXXX Department of Banking & Insurance XXXX XXXX a prepayment penalty may only be applied to corporations, C-Corp and S-Corp specifically. Under XXXX Law a prepayment penalty is not permitted to be charged to an LLC. - Due Diligence Vendor-08/07/2025 |  | Waived-Originator waiver applied to non material finding. - Due Diligence Vendor-08/07/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has XXXX of reserves and only 3 months required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | XXXX |
| XXXX | XXXX | 4350117034 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower owns more financed properties than allowed per guidelines | Waived-Originator exception granted, waiver applied with comp factors. Exception for XXXX exposure over 10 loans/ XXXX<br> - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. exception seems to be for # of loans we did for borrower - Seller-08/14/2025 <br> Open-XXXX exposure exceeded - audit unable to determine whether exposure is due to number of properties or dollar exposure or both, pending lender clarification to determine whether finding is material. Finding remains open and material until information is received. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. exception seems to be for # of loans we did for borrower - Seller-08/14/2025<br>| Waived-Originator exception granted, waiver applied with comp factors. Exception for XXXX exposure over 10 loans/ $XXXX<br> - Due Diligence Vendor-08/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has XXXX of reserves and only needs 6 months to qualify. | -Fico 20 points or more above requirement<br> - Reserves 12+ months more under requirement<br> - Long term Employment (>than 5 years) | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117034 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Prepayment Penalty Discrepancy | Waived-Prepay not allowed for NJ to LLC, LP or Trust. Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. email chain from investor allowing no PPP - Seller-08/14/2025 <br>Open-Prepayment penalties are required for investment properties, note does not indicate a PPP. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. email chain from investor allowing no PPP - Seller-08/14/2025<br>| Waived-Prepay not allowed for XXXX to LLC, LP or Trust. Originator exception granted, waiver applied with comp factors.<br> - Due Diligence Vendor-08/15/2025 | Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has XXXX of reserves and only needs 6 months to qualify. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117034 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation for 3o - Due Diligence Vendor-08/15/2025 <br> Ready for Review-Document Uploaded. XXXX docs - Seller-08/14/2025 <br> Open-Missing the Final CD for new XXXX transaction for REO 3O showing new payment terms. - Due Diligence Vendor-08/14/2025 | Ready for Review-Document Uploaded. XXXX docs - Seller-08/14/2025 | Resolved-Received PITIA validation for 3o - Due Diligence Vendor-08/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has XXXX of reserves and only needs 6 months to qualify. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117034 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing attorney opinion letter/trust review documentation | Waived-Originator exception granted to allow no attorney letter. Non-material waiver applied with comp factors. Deemed non-material due to all other relevant LLC docs were provided. - Due Diligence Vendor-08/14/2025 <br> Open-Missing attorney opinion letter.<br> - Due Diligence Vendor-08/14/2025 |  | Waived-Originator exception granted to allow no attorney letter. Non-material waiver applied with comp factors. Deemed non-material due to all other relevant LLC docs were provided. - Due Diligence Vendor-08/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has XXXX of reserves and only needs 6 months to qualify. | -Fico 20 points or more above requirement<br> - Reserves 12+ months more under requirement<br> - Long term Employment (>than 5 years) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117034 | XXXX D B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Property/Appraisal General (Credit) | Waived-Originator exception granted to allow minimum sq ft not met. Non-material waiver applied with comp factors. Deemed non-material due to only one unit out of four is under the requirement<br> - Due Diligence Vendor-08/14/2025 <br> Open-Subject has one unit out of all 4 units that reflects XXXX sq ft and minimum allowed is XXXX sq ft.<br> - Due Diligence Vendor-08/14/2025 |  | Waived-Originator exception granted to allow minimum sq ft not met. Non-material waiver applied with comp factors. Deemed non-material due to only one unit out of four is under the requirement<br> - Due Diligence Vendor-08/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 752 and minimum allowed is 700<br>Months Reserves exceed minimum required - Borrower has XXXX of reserves and only needs 6 months to qualify. | -Fico 20 points or more above requirement<br> - Reserves 12+ months more under requirement<br> - Long term Employment (>than 5 years) |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117035 | XXXX A |  | XXXX | XXXX | XXXX |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XXXX | Investment | Purchase | NA |  |  | XXXX |
| XXXX | XXXX | 4350117036 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received the recorded Deet of Trust with all riders and the missing notary seal and signature. - Due Diligence Vendor-09/09/2025 <br> Ready for Review-Document Uploaded. complete mortgage - Seller-09/08/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Notary seal and signature. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. complete mortgage - Seller-09/08/2025<br>| Resolved-Received the recorded Deet of Trust with all riders and the missing notary seal and signature. - Due Diligence Vendor-09/09/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 84 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 741 Min FICO = 660 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | N/A | N/A | XXXX |
| XXXX | XXXX | 4350117036 | XXXX C B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Condo project is ineligible | Waived-Originator exception granted to allow Work required for compliance with 40 year cert is in process and not yet complete. , Non-material waiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/08/2025 <br> Open-Exception Approval in file – Pg 118<br>1. Property – Non-Warrantable Condo – Non-Warrantable Condo due to <br> A. Work required for compliance with 40-Year Recertification is in process and not yet complete<br> B. Currently CPM Unavailable due to repairs/deferred maintenance and insurance deficiencies<br> - Due Diligence Vendor-09/07/2025 |  | Waived-Originator exception granted to allow Work required for compliance with 40 year cert is in process and not yet complete. , Non-material waiver applied with comp factors. non-material due to value supported. - Due Diligence Vendor-09/08/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 84 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 741 Min FICO = 660 | 1. Loan to Value 10% or more under requirement<br> 2. FICO 20 points or more above requirement<br> 3. Residual Income $XXXX or more<br> 4. Long Term Employment (> 5 Years)<br> 5. Long Term Homeownership (> 5 Years) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Second Home | Purchase | NA | Originator Post-Close | Yes | XXXX |
| XXXX | XXXX | 4350117037 | XXXX B A | Closed | XXXX | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Originator exception granted to allow Self-employment less than 12 months, Non-material waiver applied with comp factors. non-material due to previous employment history. <br>Exception Approval in file – Pg 24<br>1. Income – Under 12 Months S/E as 1099 Employee<br> - Due Diligence Vendor-09/06/2025 |  | Waived-Income and Employment Do Not Meet Guidelines Originator exception granted to allow Self-employment less than 12 months, Non-material waiver applied with comp factors. non-material due to previous employment history. <br>Exception Approval in file – Pg 24<br>1. Income – Under 12 Months S/E as 1099 Employee<br> - Due Diligence Vendor-09/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO = 817 Min FICO = 660<br>Months Reserves exceed minimum required - Reserves = 24 months – Required Reserves = 6 Months | 1. Loan to Value 10% or more under requirement<br> 2. FICO 20 points or more above requirement<br> 3. Reserves 12+ months more than requirement<br> 4. Minimal Consumer Debt |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XXXX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | XXXX |

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## Exhibit 99.13

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.13**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350117029 | XXXX | XXXX | XXXX D A B |
| XXXX | 4350117030 | XXXX | XXXX | XXXX D A B |
| XXXX | 4350117031 | XXXX | XXXX | XXXX D A B |
| XXXX | 4350117032 | XXXX | XXXX | XXXX D A B |
| XXXX | 4350117033 | XXXX | XXXX | XXXX C A B |
| XXXX | 4350117034 | XXXX | XXXX | XXXX D A B |
| XXXX | 4350117035 | XXXX | XXXX | XXXX A |
| XXXX | 4350117036 | XXXX | XXXX | XXXX C A B |
| XXXX | 4350117037 | XXXX | XXXX | XXXX B A |

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## Exhibit 99.14

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.14**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Deal ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | XXXX | 4350117032 | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003, 1008 |
| XXXX | XXXX | XXXX | 4350117031 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | XXXX | 4350117033 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | XXXX | 4350117037 | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | Per Application |
| XXXX | XXXX | XXXX | 4350117037 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | B1 - Per Docs in file |
| XXXX | XXXX | XXXX | 4350117033 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per approval |
| XXXX | XXXX | XXXX | 4350117029 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per Title Reports |
| XXXX | XXXX | XXXX | 4350117030 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | XXXX | 4350117031 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per indications on Exception |
| XXXX | XXXX | XXXX | 4350117033 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | XXXX | 4350117034 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | XXXX | XXXX | Per 1003. |
| XXXX | XXXX | XXXX | 4350117030 | XXXX | Property Type | propertyValuationPage | Condominium High Rise | Condominium | Per appraisal |
| XXXX | XXXX | XXXX | 4350117030 | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | LimitedCashOut | Borr receiving over $XXXX back - lesser of 2% or $XXXX per guides |

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## Exhibit 99.15

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.15**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Deal ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | XXXX | 4350117029 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | XXXX | 4350117030 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 71.63 | 71.63 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | XXXX | 4350117031 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | XXXX | 4350117032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 43.1 | 64.65 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | XXXX | 4350117033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350117034 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | 4350117035 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 72 | 72 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | XXXX | 4350117036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | XXXX | 4350117037 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 57.61 | 57.61 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |

---

## Exhibit 99.16

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.16**

---

| | |
|:---|:---|
| ![](ex9916001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

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

**September 17, 2025**

***COLT 2025-10***

Overview

Consolidated Analytics, Inc. a third-party due diligence provider, performed the review described below on behalf of its client, Lone Star Residential Acquisitions, LLC. The review included a total of 5 business purpose, residential mortgage loans, in connection with the securitization identified as COLT 2025-10 (the "Securitization"). The review began on July of 2025, and concluded August of 2025.

Scope of Review

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;**(a)** **Credit Documentation:** A review of the documentation underlying the credit decision was performed
 to determine sufficiency for consideration in the Credit Review. The Credit Documentation
 review consisted of the following:

○ **Loan Application:** Complete loan application is present in the loan file for all borrowers/guarantors,

○ **Credit Report:** Credit Report in file for all borrowers and meets guideline seasoning requirements and contains OFAC clearance

○ **Income Documentation / Lease Agreements:** Confirmation of the presence of income documentation in the loan file when required by lender or Client specified underwriting guidelines. For rental properties where existing leases are required to be verified, verify their presence and sufficiency for purpose based on underwriting guideline standards.

○ **Asset Documentation:** Confirmation of presence of asset documentation requirements relative to loan type and guideline requirements for verification of closing funds and reserves.

○ **Borrower/Guarantor Identification:** Verify that the file contains a copy of a government issued identification verification for each borrower (i.e. driver's license, state ID, passport)

○ **Insurance Certificate:** Verify that the loan file contains a copy of the hazard insurance certificate for the subject property and that flood insurance is also documented when required.

○ **Property Valuation:** Confirm the presence of a complete appraisal report and supporting secondary independent estimate of value

○ **Commercial Borrower Organizing Documentation:** Confirm the presence an Operating Agreement, Bylaws, related amendments and filings or other organizing and operating documentation relative to the commercial borrower entity.

○ **Articles of Incorporation/Certificate of Formation:** Confirm that each loan file contains a copy of the Articles of Incorporation establishing registration within the state of operation.

---

| | |
|:---|:---|
| ![](ex9916001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

○ **Certificate of Good Standing:** Confirm that each borrowing entity is active in the state of registration by confirming the presence of a web print out or certification of good standing for the state is in the file.

○ **Borrower Authority / Consent of Members:** Confirm that the loan file contains evidence that the individual executing the loan agreements has been signing authority on behalf of the borrowing entity.

&nbsp;&nbsp;&nbsp;&nbsp;**(b)** **Legal Documentation:** A review of the documentation required to secure the lender's
 interest in the loan and the borrower(s)' obligations thereunder was conducted
 with the purpose of validating their presence in the mortgage loan file and sufficiency
 of execution:

○ **Note/Loan Agreement/Security Instrument/Extension:** Verification of the presence of the note, loan agreement or security instrument as applicable and that the agreement is properly executed by all parties. Confirm that all applicable allonges or addenda to the note are evidenced in the loan file and duly executed by all responsible parties. If the subject loan has reached or is nearing maturity confirm that an extension agreement is present and duly executed by all required parties

○ **Mortgage/Deed of Trust/Assignment of Rents:** Verify that a mortgage or deed of trust is in file and is duly executed and notarized and that it contains all applicable riders including an assignment of rents.

○ **Power of Attorney:** If closing docs are executed by a POA confirm that the POA complies with all applicable underwriting and legal requirements including those for timing, form, authority and execution.

○ **Personal Guaranty:** Verify that the requisite individual ownership percentage of a commercial entity borrower as stipulated within Client or lender underwriting guidelines has provided a personal guaranty for the loan.

○ **Affidavit of Commercial Purpose/Occupancy Certification:** Verify that each file contains a borrower statement verifying that the loan is for commercial purpose and that the subject property will not be owner occupied.

○ **Title Policy:** Confirmation that the file contains evidence of title insurance and that the title is free from material defects that could affect lien position.

○ **Deed for Conveyance of Title:** Confirm that the applicable Grant or Warranty Deed is evidenced in the loan file and properly conveys interest in the subject property

○ **Purchase Contract:** If applicable, confirm the presence of a valid and executed Purchase and Sale Agreement along with any counter offers and modified terms of sale

○ **Settlement Statement:** As applicable based on loan type and origination date, confirm the presence of a final settlement statement in the mortgage loan file

&nbsp;&nbsp;&nbsp;&nbsp;**(c)** **Guidelines:** The underwriting guidelines as specified by Client served as the criteria under which
 each loan qualification review took place. Qualification criteria includes:

○ **Borrower/Guarantor Eligibility:** Review each borrower to ensure that they meet eligibility requirements of underwriting guidelines

○ **Assets:** Validate that the mortgage loan file contains adequately qualified verification of assets to meet underwriting standards

○ **Debt-Service Coverage Ratios "DSCR":** Calculate the debt-service coverage ratio to ensure it meets minimum guideline standards

○ **Credit History:** Review the borrower credit reports and any supplemental credit history documentation to verify whether the borrower met guideline requirements.

---

| | |
|:---|:---|
| ![](ex9916001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

○ **Credit Scores:** Review each borrower/guarantor credit report to validate that the credit score used in qualification is accurate and whether it meets minimum loan qualification and underwriting standards as specified in the underwriting guidelines.

○ **Occupancy:** Confirm that the occupancy of the subject property used for qualification of the loan is accurate and compliant with guideline requirements. Confirm that the borrower has executed an affidavit of commercial/business purpose and that no other documentation that shows the subject property might be a primary residence.

○ **Loan-to-Value Ratios:** Recalculate the Loan-to-Value Ratio utilizing the Purchase Contract, Property Valuations and/or Loan Agreements to determine whether initial, as-is and as-repaired LTV and CLTV meet loan qualification and underwriting guideline standards based on the calculation methods set forth in underwriting guidelines.

○ **Insurance:** Confirm the adequacy of hazard insurance coverage and that premiums are included in PITI calculations. If required based on flood **zone**, confirm the presence and adequacy of flood insurance coverage and that premiums are included in PITI calculations.

○ **Compensating Factors:** Review and validate any compensating factors used in the qualification of the loan and in consideration of loan level underwriting guideline exceptions.

○ **Letters of Explanation:** Confirm the presence of Letters of Explanation (LOX) where required per underwriting guidelines and that each such LOX adequately addresses the eligibility scenario under question.

○ **Exception Approvals:** Confirm that any exceptions to underwriting guidelines and/or investor guideline overlays were fully documented, properly approved, and supported.

○ **Misrepresentation / Fraud Review:** Validate that an independent third-party fraud report was obtained for each guarantor when required by underwriting guidelines and that red flags on third party fraud reports have been reviewed.

**Valuation Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the original appraisal and all additional property valuation documentation to determine
 whether source, format and type meet program and guideline eligibility requirements.

&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 that the property type is an eligible property type per program standards and underwriting
 guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 as applicable that and independent supplemental third-party valuation was received and
 is within allowable tolerance of the original qualifying value.

&nbsp;&nbsp;&nbsp;&nbsp;d. Assess
 rental income schedules.

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 that property standards conform to underwriting guidelines requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f. Determine
 whether the property is completely constructed and the appraisal is on an "as is
 basis," or property is identified as not completely constructed by originating
 appraiser.

&nbsp;&nbsp;&nbsp;&nbsp;g. Review
 and determine whether the appraisal was performed on appropriate form and whether the
 appraiser indicated in the body of the conformity to USPAP standards.

&nbsp;&nbsp;&nbsp;&nbsp;h. Review
 property for functional obsolescence.

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

---

| | |
|:---|:---|
| ![](ex9916001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

Consolidated Analytics applied a cascade methodology to determine if the original appraised value total was reasonably supported when compared to an independent third-party valuation product. For loans reviewed in a post-close valuation review (5 loans consisting of 5 individual properties), the origination value was based the following products:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Primary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;1004 | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;1073 | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Totals:** | &nbsp;&nbsp;**5** |

---

5 properties were supported by a Desk Review

In summary the final secondary property valuation by product is as follows:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Secondary Valuation Product** | &nbsp;&nbsp;**Count** |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;5 |
| &nbsp;&nbsp; **Totals:** | &nbsp;&nbsp;**5** |

---

Loan level Valuation Grades are based on the cumulative total of origination appraised values for an individual loan compared to the cumulative total of the secondary valuation products. Loans where the cumulative secondary valuation had a negative variance equal to or greater than 10% of the origination appraised value total were provided a Valuation Grade of "C".

Of the 5 loans reviewed, 5 are single property loans.

---

| | |
|:---|:---|
| ![](ex9916001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

Summary of Results

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans <br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$702750.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$- |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$- |
| &nbsp;&nbsp;**Credit Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans <br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp; $702750.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;**Valuation Grades** |  |  |  |
| &nbsp;&nbsp;Grade | &nbsp;&nbsp;Number of Mortgage Loans | &nbsp;&nbsp;% of Mortgage Loans <br> (by loan count) | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp; $702750.00 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp; $- |

---

**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 Credit Grade of "B" and a Property Grade of "A" would receive an overall Loan Grade of "B").

---

| | |
|:---|:---|
| ![](ex9916001.jpg) | 1 MacArthur Place - Suite 100<br> Santa Ana, CA 92707<br> 800.320.9490<br> ConsolidatedAnalytics.com |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;CREDIT | &nbsp;&nbsp;B |  | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***Total Credit B Grade Findings:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***Total Credit Findings:*** | &nbsp;&nbsp;***0*** |
| &nbsp;&nbsp;**CATEGORY** | &nbsp;&nbsp;**GRADE** | &nbsp;&nbsp;**FINDING DESCRIPTION** | &nbsp;&nbsp;**COUNT** |
| &nbsp;&nbsp;PROPERTY | &nbsp;&nbsp;B |  | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***Total Property B Grade Findings:*** | &nbsp;&nbsp;***0*** |
|  |  | &nbsp;&nbsp;***Total Property Findings:*** | &nbsp;&nbsp;***0*** |

---

## Exhibit 99.17

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.17**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Deal ID** | **Original Balance** | **Initial Compliance Grade S&P** | **Initial Compliance Grade Fitch** | **Initial Compliance Grade Moodys** | **Initial Compliance Grade KBRA** | **Initial Compliance Grade DBRS** | **Final Compliance Grade S&P** | **Final Compliance Grade Fitch** | **Final Compliance Grade Moodys** | **Final Compliance Grade KBRA** | **Final Compliance Grade DBRS** |
| XXXX | COLT_2025-10 | XXXX | 4350117038 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | COLT_2025-10 | XXXX | 4350117039 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | COLT_2025-10 | XXXX | 4350117040 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | COLT_2025-10 | XXXX | 4350117041 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| XXXX | COLT_2025-10 | XXXX | 4350117042 | XXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.18

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Pool ID** | **Alternate Loan Number** | **Deal ID** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV** | **Appraised Date** | **Appraised Value** | **Review Type** | **Secondary Appraised Date** | **Secondary Appraised Value** | **Secondary Review Type** | **Report Date** | **Value** | **Variance Amount** | **Confidence Score** | **Variance %** | **Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance %** | **Valuation Type** | **CU Score** | **R&W Eligible** | **Vendor Name** | **ARLTV** | **CARLTV** | **LTC** |
| XXXX | COLT_2025-10 | XXXX | 4350117038 | XXXX | XXXX | XXXX | 74.30% | XXXX | XXXX | 1073 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -8.67% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | COLT_2025-10 | XXXX | 4350117039 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | 0.00% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | COLT_2025-10 | XXXX | 4350117040 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -8.50% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | COLT_2025-10 | XXXX | 4350117041 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -6.45% |  | N/A | N/A | XXXX |  |  |  |
| XXXX | COLT_2025-10 | XXXX | 4350117042 | XXXX | XXXX | XXXX | 75.00% | XXXX | XXXX | 1004 |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | -1.90% |  | N/A | N/A | XXXX |  |  |  |

---

## Exhibit 99.19

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.19**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Deal ID** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** | **Initial Compliance Grade** | **Final Compliance Grade** | **Initial Compliance Grade (DBRS)** | **Initial Compliance Grade (Fitch)** | **Initial Compliance Grade (KBRA)** | **Initial Compliance Grade (Moody's)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (DBRS)** | **Final Compliance Grade (Fitch)** | **Final Compliance Grade (KBRA)** | **Final Compliance Grade (Moody's)** | **Final Compliance Grade (S&P)** |
| XXXX | XXXX | 4350117038 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | GUARANTOR IDENTIFICATION MISSING OR DEFECTIVE | MISSING OFAC | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117038 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | PROPERTY | HAZARD INSURANCE MISSING OR DEFECTIVE | MISSING EOI (HO6) - QUOTE IS IN FILE | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117038 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | PROPERTY | FLOOD CERT OR EVIDENCE NOT IN A FLOOD ZONE MISSING | FLOOD CERTIFICATION OMITS LENDER INFORMATION | XXXX | XXXX | XXXX | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117040 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117041 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117042 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117039 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | PROPERTY | APPRAISAL REVIEW - MISSING | MISSING APPRAISAL REVIEW | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117042 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | TITLE INSURANCE COVERAGE - INADEQUATE COVERAGE | INSUFFICIENT TITLE COMMITMENT: $XXXX TITLE COMMITMENT COVERAGE < XXXX MINIMUM REQUIRED. PROVIDE ADDITIONAL COVERAGE | XXXX | XXXX | XXXX | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117040 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | DATA TAPE MISSING OR DEFECTIVE | DSCR DISCREPANCY. PROVIDED HAZARD CERT REFLECTS ANNUAL PREMIUM OF: $XXXX PROVIDE UPDATED TAPE | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117039 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | MISSING FIRST PAYMENT LETTER | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117041 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117041 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | MISSING FIRST PAYMENT LETTER | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117040 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | MISSING FIRST PAYMENT LETTER | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117040 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117042 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | FIRST PAYMENT LETTER MISSING OR DEFECTIVE | MISSING FIRST PAYMENT LETTER | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117042 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | LOAN AGREEMENT MISSING OR DEFECTIVE | MISSING LENDER-SIGNED LOAN AGREEMENT. PROVIDED LOAN AGREEMENT IS NOT SIGNED BY LENDER | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117039 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT BEFORE XXXX SHOWING ALEJANDARA WAS PART OF THE ENTITY BEFORE SUBJECT TRANSACTION | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117040 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT BEFORE XXXX SHOWING ALEJANDARA WAS PART OF THE ENTITY BEFORE SUBJECT TRANSACTION | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117041 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT BEFORE XXXX SHOWING ALEJANDARA WAS PART OF THE ENTITY BEFORE SUBJECT TRANSACTION | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117042 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING OPERATING AGREEMENT BEFORE XXXX SHOWING ALEJANDARA WAS PART OF THE ENTITY BEFORE SUBJECT TRANSACTION | XXXX | XXXX | XXXX | XXXX | D A | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117039 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING UPDATED RESOLUTION SUCH THAT THE TOTAL EQUITY IN SUBJECT ENTITY IS 100% | XXXX | XXXX | XXXX | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117040 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING UPDATED RESOLUTION SUCH THAT THE TOTAL EQUITY IN SUBJECT ENTITY IS 100% | XXXX | XXXX | XXXX | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117041 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING UPDATED RESOLUTION SUCH THAT THE TOTAL EQUITY IN SUBJECT ENTITY IS 100% | XXXX | XXXX | XXXX | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | 4350117042 | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: EXEMPT | CLOSED | XXXX | CLEAR | XXXX | CREDIT | ENTITY DOCUMENTATION - MISSING OR DEFECTIVE | MISSING UPDATED RESOLUTION SUCH THAT THE TOTAL EQUITY IN SUBJECT ENTITY IS 100% | XXXX | XXXX | XXXX | XXXX | D A C | N/A | N/A D | N/A D | N/A D | N/A D | N/A D | N/A | N/A | N/A | N/A | N/A | N/A |

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## Exhibit 99.20

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.20**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Deal ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** | **Response** |
| XXXX | XXXX | 4350117038 |  | PURCHASE PRICE | XXXX |  | DELAYED PURCHASE |  |
| XXXX | XXXX | 4350117038 |  | CASH OUT AMOUNT | XXXX | XXXX | DELAYED PURCHASE |  |
| XXXX | XXXX | 4350117038 |  | PITIA | XXXX | XXXX | PER CONSTITUENT PARTS |  |
| XXXX | XXXX | 4350117039 |  | ORIGINAL CREDIT REPORT DATE | XXXX | XXXX | RECEIVED UPDATED APPRAISAL |  |
| XXXX | XXXX | 4350117039 |  | PURCHASE PRICE | XXXX | XXXX | REFI |  |
| XXXX | XXXX | 4350117040 |  | ORIGINAL CREDIT REPORT DATE | XXXX | XXXX | RECEIVED UPDATED APPRAISAL |  |
| XXXX | XXXX | 4350117040 |  | PURCHASE PRICE | XXXX | XXXX | REFI |  |
| XXXX | XXXX | 4350117041 |  | ORIGINAL CREDIT REPORT DATE | XXXX | XXXX | RECEIVED UPDATED APPRAISAL |  |
| XXXX | XXXX | 4350117041 |  | PURCHASE PRICE | $0.00 | XXXX | REFI |  |
| XXXX | XXXX | 4350117042 |  | ORIGINAL CREDIT REPORT DATE | $0.00 | XXXX | RECEIVED UPDATED APPRAISAL |  |
| XXXX | XXXX | 4350117042 |  | PURCHASE PRICE | $0.00 | XXXX | REFI |  |

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## Exhibit 99.21

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**

Executive Summary

COLT 2025-10

Dated: September 17, 2025

**6136 Frisco Square Blvd. \| Suite 350 \| Frisco, TX 75034**<br> **P: 888.892.1843** **\| evolvemortgageservices.com**<br>

![](ex9921002.jpg)

Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview**

Evolve Mortgage Services ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by Lone Star Residential Acquisitions, LLC (the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client by a Reliance Letter.

**Sample size and criteria.**

The final population of the Review covered 3 Loans, 2 Residential Loans and 1 Business Purpose Loan, totaling an aggregate original principal balance of approximately $1,388,750. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population. The Review was conducted consistent with the criteria for S&P Global Ratings ("S&P"), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data fields on the bid tape provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus tapes as provided at the time of initial diligence or subsequently updated. Discrepancies outside of reasonable tolerances were reported. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available, included the following data fields:

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|:---|:---|:---|
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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| ![](ex9921003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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Forward Thinking. Seamless Solutions.

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

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

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

**Employment and Income:** Evolve 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, was not fraudulent. This documentation was used to verify whether the income used to qualify the mortgage loan was calculated in accordance with the guidelines and may have included items such as: (i) verbal or written verification of employment, (ii) pay stubs, (iii) W-2 forms, (iv) tax returns, (v) financial statements, (vi) IRS tax transcripts, and (vii) bank statements.

**Asset Review:** Evolve 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, Evolve 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).

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Forward Thinking. Seamless Solutions.

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

**DU/LP Review:** When provided and appropriate, Evolve verified that DU findings included an approved/eligible decision where required by the guidelines. However, all mortgage loans are manually underwritten with documentation requirements determined by the guidelines and not AUS findings.

**Occupancy Review:** Evolve 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, Evolve 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:** Evolve 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, Evolve conditioned the mortgage loan for the missing fraud report product.

If a report was present, Evolve 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

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Forward Thinking. Seamless Solutions.

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

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

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

**Regulatory Compliance:** Evolve conducted a review to determine whether the loan met certain federal, state and local regulatory requirements at the time of origination when applicable. All applicable tests and disclosure reviews were graded in accordance with the Structured Finance Association ("SFA") published RMBS 3.0 TRID Compliance Review Scope. The Regulatory Compliance Review conducted is fully detailed in Appendix A.

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

Evolve'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. Evolve's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser (for residential properties) that was actively licensed to perform the valuation, (v) completed, for residential properties, such that

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| ![](ex9921003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 4 \| P a g e |

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![](ex9921002.jpg)

Forward Thinking. Seamless Solutions.

the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guideline requirements, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

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

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**S&P** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;2 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;33.33% |

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**APPENDIX A**

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

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

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

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

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

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

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

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| | vi) | any material disclosure violation on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures; |
| b) | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> | <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015*:</u> |

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

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7) *as applicable for loans with application dates*</u> 

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<u>prior to October 3, 2015:</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Final TIL;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 i) determine if the creditor obtained proof of homeownership counseling in connection with a loan to a first-time homebuyer that contains a negative amortization feature; <br> c) <u>Mandatory Arbitration Clauses (§1026.36):</u> <br>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

For each QM designated loan that satisfied the applicable requirements enumerated above, Evolve then determines whether the loan is a Safe Harbor QM or Higher Priced QM

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by comparing the loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage.

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

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

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

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

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

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

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

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

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

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

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

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

**(XI) FIRREA Review**

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

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

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

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

---

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|:---|:---|:---|
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Forward Thinking. Seamless Solutions.

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

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

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

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

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

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|:---|:---|:---|
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![](ex9921002.jpg)

Forward Thinking. Seamless Solutions.

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

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

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

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

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Forward Thinking. Seamless Solutions.

provided to the borrower; and

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

**(XIII) Document Review**

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

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

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

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---

## Exhibit 99.22

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.22**

![](evolve.jpg)

---

| |
|:---|
| **Rating Agency Grades** |
| **Run Date - 09/15/2025 10:51:09 AM** |

---

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| XXXX | XXXX | XXXX | 4350117043 | XXXX A | A | A | A | A | A | A | A | A | A | A |
| XXXX | XXXX | XXXX | 4350117044 | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | XXXX | XXXX | 4350117045 | XXXX C | A | A | A | A | A C B | A | A | A | A | A B |

---

## Exhibit 99.23

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.23**

![](evolve.jpg)

---

| |
|:---|
| **Exception Detail** |
| **Run Date - 09/15/2025 10:51:09 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | XXXX | 4350117045 | XXXX | XXXX | XXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | Property is Rural. Max LTV for Rural is 75% LTV. Loan is at 80% LTV |  | Compensating Factors: 8.91 mo Reserves. $XXXX in residual income. Very good credit history with about 3% usage of credit. Excellent rental history 0x30. Minimal payment shock (1.24) and now will own vs rent. |  |  |  | XXXX B | 2 | XXXX | XXXX | 1 | 1 C B A |  | Non-QM | 1 |

---

## Exhibit 99.24

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.24**

![](evolve.jpg)

---

| |
|:---|
| **Valuation Report** |
| **Run Date - 09/15/2025 10:51:09 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | XXXX | 4350117043 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.00% | XXXX A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | XXXX | 4350117044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.00% | XXXX A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| XXXX | XXXX | XXXX | 4350117045 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | $0.00 | 0.00% | XXXX A | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.25

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.25**

![](evolve.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 09/15/2025 10:51:09 AM** |

---

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Deal ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| XXXX | XXXX | XXXX | 4350117043 | Doc Type | FullDocumentation | Asset Depletion | Verified by income docs |
| XXXX | XXXX | XXXX | 4350117044 | Doc Type | Alternative | Debt Service Coverage | Verified with Approval |
| XXXX | XXXX | XXXX | 4350117045 | Doc Type | Alternative | Bank Statement | 24 mo Bank statements |
| XXXX | XXXX | XXXX | 4350117043 | Interest Only | N | Y | Confirmed |
| XXXX | XXXX | XXXX | 4350117044 | Interest Only | N | Y | Confirmed |
| XXXX | XXXX | XXXX | 4350117043 | Original Amortization Term | 480 | 360 | Confirmed |
| XXXX | XXXX | XXXX | 4350117044 | Original Amortization Term | 360 | 240 | Confirmed |
| XXXX | XXXX | XXXX | 4350117044 | Property Zip | XXXX | XXXX | verified |
| XXXX | XXXX | XXXX | 4350117045 | Property Zip | XXXX | XXXX | verified |
| XXXX | XXXX | XXXX | 4350117043 | QM Status | Exempt | Non-QM | verified |
| XXXX | XXXX | XXXX | 4350117043 | Qualifying Credit Score | 689 | 801 | Verified by credit score |
| XXXX | XXXX | XXXX | 4350117043 | Self-Employment Flag | N | Y | Verified by final loan docs |

---

## Exhibit 99.26

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.26**

**EXECUTIVE SUMMARY**

COLT 2025-10

**Overview** 

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Lone Star Residential Acquisitions, LLC (the "Client"). The Review was conducted from June 2025 to September 2025 on mortgage loans (the "Loans") originated from May 2025 to August 2025.

The review consisted of 100% of the population of 140 loans with an original loan balance of $76,226,405.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check
 application for completeness. Determine whether the information in the preliminary Loan
 application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate
 Social Security/Taxpayer Identification number is valid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Compare
 data on final form 1003 with the data from verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form
 is complete, signed, dated, on or before loan consummation date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting
 decision is supported (manual underwrite credit conditions have been satisfied prior
 to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation
 of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation
 of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
 of DTI calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation
 of DSCR calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation
 of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation
 of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR
 Loans

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 of hazard coverage and verification that sufficient coverage was in place on subject
 and all premiums were included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage
 insurance certificate was in file, if applicable, and coverage was sufficient, and premium
 was included in DSCR

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 of rental income and/or market rents and validation of DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy
 is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy
 red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing
 business as" or "also known as" names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within 90 days have been properly addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable
 credit history and credit score requirements in conformance with applicable guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies
 address information associated with the Borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and Paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing
 Employment, if applicable

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rental
 Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 rental income or DSCR by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Leases,
 proof of rent received, 3rd party market rent validation, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Proof
 of Short Term rents received, as per guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 Money Deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate
 in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient
 Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium
 indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Vesting
 correct

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Lien
 position

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Legal
 description

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validate
 no encumbrances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 security documents to ensure the Loan was closed in accordance with approval and with
 all required signatures and NMLS identifiers

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Correct
 and complete instruments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing
 Disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right
 to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z – the Truth in Lending Act. For these Loans, MaxDiligence will (a) Confirm that the originator/aggregator provided a QM designation, and (b) review the Loan for the eight (8) Key Underwriting Factors below that are required pursuant to the ATR rule.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. 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, excluding investment
 properties or business purpose loans, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c)) as evaluated
 based on the applicable investor guidelines;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence
 will review applicable mortgage loans for compliance with the ATR and QM rule requirements
 based upon each mortgage loan's originator designation of QM, Non-QM, or exempt
 from ATR. (MaxDiligence determines the mortgage loan's status under the ATR or
 QM rule requirements and assigns a due diligence mortgage loan designation. Generally,
 MaxDiligence notes as a material exception if the due diligence findings do not confirm
 the originator's mortgage loan designation. Additionally, MaxDiligence notes if
 an originator mortgage loan designation was not provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. MaxDiligence
 utilizes the following designations for applicable loans: QM designations: QM Safe-Harbor,
 Temporary QM, Non-QM, QM Rebuttal Presumption and ATR Designations: ATR Compliant, ATR
 Exempt and ATR Fail.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. With
respect to QM (Safe Harbor and Higher-priced) designated mortgage loans, MaxDiligence 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

![](ex9927001.jpg)

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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. If
 a mortgage loan was designated as QM, MaxDiligence 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. For
 each QM designated mortgage loan that satisfied the applicable requirements enumerated
 above, MaxDiligence then determines whether the mortgage loan is a Safe Harbor QM or
 QM Rebuttable Presumption 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.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. For
 each QM designated mortgage loan that does not satisfy the applicable requirements enumerated
 above, MaxDiligence then determines whether the mortgage loan complies with the ATR rule
 consideration and verification requirements, as defined within the applicable underwriting
 guidelines, and provides a due diligence designation of Non-QM indicating compliant,
 ATR risk indicating it may not be compliant, or ATR Fail, indicating it is non-compliant.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. MaxDiligence
 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 will verify such information using reasonably reliable third-party records,
 at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets - Recalculate borrower(s)'s monthly gross income, and validate funds required
 to close and required reserves; to confirm that the borrower has current or reasonably
 expected income or assets (other than the value of the property that secures the Loan)
 that the borrower will rely on to repay the Loan.

● Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 - Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment: Confirm that the correct program, qualifying rate, and terms were used
 to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans - Ensure that all concurrent Loans were included in the debt-to-income ratio ("DTI")
 calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related
Obligations - Validate that the subject Loan monthly payment calculation includes principle, interest, taxes, and insurance ("PITI"),
as well as other costs related to the property such as

![](ex9927001.jpg)

homeowners' association ("HOA") fees, private mortgage insurance ("PMI"), ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations - Validate monthly recurring non-mortgage-related liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 / Residual Income - Validate debt-to-income ratio (DTI), or "residual income,"
 based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross
 monthly income, based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History - Review credit report for credit history and required credit depth, including
 any / all inquiries, and determine a representative credit score from the credit report

**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's
 review included a review of the valuation materials utilized during the origination of
 the loan and in confirming the value of the underlying property. MaxDiligence's
 review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On
 the appropriate 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;i. All
 elements of appraisal are present

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Ensure
 all applicable Loan documents match appraisal information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Property
 is acceptable collateral for Loan program

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Completed
 by an appraiser that was actively licensed to perform the valuation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed
 such that the named client on the appraisal report is the lender or a related entity
 that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was
 performed for another lender, the file contains a transfer letter from the original lender

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan application; Any revisions, if made known to MaxDiligence, to the original report
 are documented and dated completed and dated within the guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 original appraisal is 'As is' or Inspection received including all inspections,
 licenses, and certificates (including certificates of occupancy) to be made or issued
 with respect to all occupied portions of the mortgaged property and with respect to the
 use and occupancy of the same, have been made or obtained from the appropriate authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine
whether the appraised value is supported at or within 10% variance based on a third-party valuation product. If a third-party

![](ex9927001.jpg)

valuation product is in file but notes a variance above 10% or an inconclusive value, MaxDiligence recommended a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With
 regard to the use of comparable properties, MaxDiligence's review will (a) reviewed
 the relative comparable data (gross and net adjustments, sale dates and distance from
 subject property) and ensure that such comparable properties are within standard appraisal
 guidelines; (b) confirmed the property value and square footage of the subject property
 was bracketed by comparable properties, (c verified that comparable properties used are
 similar in size, style, and location to the subject, and (d) checked for the reasonableness
 of adjustments when reconciling value between the subject property and comparable properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other
 aspects of MaxDiligence's review included (i) verifying that the address matched
 the mortgage note, ((ii) if requested, noting whether the property zip code was declared
 a FEMA disaster area after the valuation date and notifying the Client of same, (iii)
 confirming the appraisal report does not include any apparent environmental problems,
 (iv) confirming the appraisal notes the current use of the property is legal or legal
 non-conforming (grandfathered), (v) reviewing pictures to ensure (a) that the property
 is in average or better condition and any repairs are noted where required and (b) that
 the subject property is the one for which the valuation was ordered and that there are
 no negative external factors; and (vi) confirming that the value product that was used
 as part of the origination decision conforms with rating agency requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 more than one valuation was provided, MaxDiligence will confirm consistency among the
 valuation products and if there are discrepancies that could not be resolved, MaxDiligence
 will create an exception and work with the client on the next steps which may include
 ordering of additional valuation products such as collateral desktop analyses, broker's
 price opinions, and full appraisals. If the property valuation products included in MaxDiligence's
 review result in a variance of more than 10% then the client will be notified of such
 variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence
 confirmed to the extent possible, that the appraiser and the appraisal made by such appraiser
 both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will
 review the appraisal for conformity to industry standards, including ensuring the appraisal
 was complete, that the comparable properties and adjustments were reasonable and that
 pictures were provided and were accurate.

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

![](ex9927001.jpg)

**Compliance Review**

MaxDiligence performed a "Compliance Review" below, which is applicable to Loans originated on or after October 3, 2015, excluding investment properties, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). Compliance review excludes business purpose loans.

With regard to TRID testing, MaxDiligence implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (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. MaxDiligence 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 MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the Initial LE and confirm (i) the correct form was used; (ii) all sections of the Initial
 LE are completed; and (iii) the Initial LE accurately reflects the information provided
 to MaxDiligence

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 there is a Revised LE, confirm (i) that there is a "valid reason" for the
 Revised LE; and (ii) that the Revised LE was issued within three (3) days of the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 which LE in the file is the "final binding" LE for the purpose of Tolerance
 Testing. A Revised LE that is issued after the CD, or that does not state a valid reason
 will not be used for the purposes of Tolerance Testing. All revised LEs issued to the
 consumer will be reviewed for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirm
 initial LE was delivered within three (3) Business Days from the application date, and
 at least seven (7) Business Days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
 revised LE was delivered within three (3) Business Days from date of the "valid
 reason" giving rise to the Revised LE, and at least four (4) Business Days prior
 to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirm
 that certain sections of each LE determined to carry assignee liability were accurately
 completed and that information was reflected in the appropriate locations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 the CD review and confirm (i) the correct form was used; (ii) all sections of the CD
 are completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If
 a subsequent CD is issued, confirm (i) that there was a valid reason for the change;
 (ii) that the CD was issued within three (3) days of the change; and (iii) whether the
 reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirm
 Initial CD, and any subsequent CD with material changes (i.e. changes that require a
 new waiting period), was received at least three (3) Business Days prior to the consummation
 date. With respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R.
 Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure
 to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure
 to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors
 in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure
 to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure
 to provide the three (3) Business Day rescission period; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
 CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total
 of payments are considered accurate as defined by Regulation Z. Confirm Finance Charge
 tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
 changes or errors (per the regulation) were discovered subsequent to closing, (ii) and
 whether the Loan originator followed the prescribed cure. Test for evidence such as a
 copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
 and iii) with respect to applicable exception remediation measures for numerical exceptions,
 confirm that a letter of explanation, as well as a refund as applicable, was delivered
 or placed in the mail no later than 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.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm
 Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) Business
 Days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With
 respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan
 Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review
 the presence of the mortgage loan option disclosure and to determine if the Steering
 Safe Harbor provisions were satisfied.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. <u>Mandatory Arbitration Clauses (§1026.36):</u>![](ex9927001.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
 in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the presence of the Servicing Disclosure Statement form in the mortgage loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 the Servicing Disclosure Statement was provided to the borrower(s) within three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
 loan file or that the mortgage loan file contains documentary evidence that the disclosure
 was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 the Your Home Loan Toolkit /Special Information Booklet was provided within three (3)
 Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm
 the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm
 that the CHARM booklet was issued within three (3) Business Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm
 the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
 in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm
 the Affiliated Business Arrangement Disclosure was provided no later than three (3) Business
 Days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm
 the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm
 the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and
 proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xii. 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.

![](ex9927001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>:
 The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
 as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging
 of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing
 of creditor providing a copy of each appraisal or other written valuation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. iv)
 With respect to a borrower that has waived the three (3) Business Day disclosure requirement,
 confirm that (a) the borrower has signed the waiver or other acknowledgment at least
 three (3) Business Days prior to consummation; and (b) that the lender has provided copies
 of appraisals and other written valuations at or prior to consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local
 Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay
 Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal
 and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>.
 MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

![](ex9927001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 74.29% of the pool receiving an overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;104 | &nbsp;&nbsp;74.29% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;25.71% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**140** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;108 | &nbsp;&nbsp;77.14% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;32 | &nbsp;&nbsp;22.86% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**140** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;135 | &nbsp;&nbsp;96.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**140** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;140 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**140** | &nbsp;&nbsp;**100.00%** |

---

![](ex9927001.jpg)

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception** <br> **Level** <br> **Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Deficient | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 3 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset 4 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Authorization Access for Joint Account | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Earnest Money Deposit | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Insufficient Cash to Close or Reserves | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets - Miscellaneous | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited Reserves are less than Guideline Required Reserves (Number of Months) | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 CPA Letter Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Gap Credit Report is Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 YTD Profit & Loss Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 2 3rd Party VOE Prior to Close Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Business Purpose - Loan Guaranty/Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Calculated DSCR does not meet the Minimum DSCR allowed | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Cash reserves less than required by guidelines | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Citizenship Documentation Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Corporation/LLC: Certificate of Good Standing Doc is Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Documentation - Letter of Explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Credit Profile - Inquiries | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;DTI - Missing Debts/ DTI Exceeds Tolerance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Eligibility - Borrower Party Signature | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Eligibility - Citizenship Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Eligibility - Investor Experience | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Employment - Evidence of Self-Employment Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Evidence of Property Tax Missing | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Final Settlement Statement Missing. | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Gift Letter - Missing | &nbsp;&nbsp;1 |

---

![](ex9927001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| | | &nbsp;&nbsp;Guarantor Resource Doc is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Hazard insurance dwelling coverage is not sufficient | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Hazard Insurance Policy is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;HO6 Master Insurance Policy is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Income - Comparable Rent Schedule Form 1007 Missing | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Income - Income Documentation Missing | &nbsp;&nbsp;3 |
| | | &nbsp;&nbsp;Income - Rental Property | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Income - Unsupported Alimony/Child Support | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Income 5 Months Income Verified is Missing | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Liabilities - Not Verified | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;12 |
| | | &nbsp;&nbsp;Missing Business Purpose Affidavit | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Missing Loan Term Sheet | &nbsp;&nbsp;4 |
| | | &nbsp;&nbsp;Missing VOM or VOR | &nbsp;&nbsp;5 |
| | | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;58 |
| | | &nbsp;&nbsp;OFAC Check Not Completed and/or Cleared | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;3 |
| | | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Third Party Fraud Report not Provided | &nbsp;&nbsp;1 |
| | | &nbsp;&nbsp;Title Coverage is Less than Subject Lien(s) Total | &nbsp;&nbsp;2 |
| | | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;4 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***170*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited Loan Amount is less than Guideline Minimum Loan Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Calculated DSCR does not meet the Minimum DSCR allowed | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;DSCR does not meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;FICO does not meet minimum program requirement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Income - General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Program Parameters - Borrower/Business Entity Ineligibility | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Program Parameters - Guidelines Conformity | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Program Parameters - Property Type | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |

---

![](ex9927001.jpg)

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***36*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Loan Purpose is Purchase but Purchase Contract Doc is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing Doc - Second Appraisal Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Missing HOA/Condo Certification | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;129 |
|  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***137*** |
| &nbsp;&nbsp;Property &nbsp;&nbsp;B | &nbsp;&nbsp;Property Issue - Condo Ineligible | &nbsp;&nbsp;5 |
|  | &nbsp;&nbsp;***Total Property Grade (B) Exceptions*** | &nbsp;&nbsp;***5*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Final CD: Prepayment Penalty is missing or inaccurate | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Late Charge Grace Period is less than 10 days | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Late Charge Percent is greater than allowable | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing evidence Mortgage/Deed of Trust will be recorded | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Missing evidence of rate lock | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;New York - Subprime Home Loan (First Lien)(02/10) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;87 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;Prepayment Penalty Information Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Deed of Trust is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Final Closing Disclosure contains errors | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;The Note is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: CD not delivered at least 3 days prior to consummation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;TRID: Missing Final Closing Disclosure | &nbsp;&nbsp;1 |
|  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***144*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 140 mortgage loans reviewed, 95 unique mortgage loans (by loan count) had a total of 190 different tape discrepancies across 35 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

![](ex9927001.jpg)

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | | | &nbsp;&nbsp;**% Variance** |
|  | &nbsp;&nbsp;**Loans With**<br>&nbsp;&nbsp;**Discrepancy** | &nbsp;&nbsp;**Total Times**<br>&nbsp;&nbsp;**Compared** |  |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;17 | &nbsp;&nbsp;23.53% |
| &nbsp;&nbsp;B1 Verified Citizenship Designation | &nbsp;&nbsp;3 | &nbsp;&nbsp;36 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;B2 Verified Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;1 | &nbsp;&nbsp;31 | &nbsp;&nbsp;3.23% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;105 | &nbsp;&nbsp;0.95% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;7 | &nbsp;&nbsp;27 | &nbsp;&nbsp;25.93% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;3 | &nbsp;&nbsp;19 | &nbsp;&nbsp;15.79% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;12 | &nbsp;&nbsp;8.33% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;9 | &nbsp;&nbsp;60 | &nbsp;&nbsp;15.00% |
| &nbsp;&nbsp;Cash out Include Debt Paid at Close | &nbsp;&nbsp;15 | &nbsp;&nbsp;22 | &nbsp;&nbsp;68.18% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;8 | &nbsp;&nbsp;19 | &nbsp;&nbsp;42.11% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;43 | &nbsp;&nbsp;2.33% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;13 | &nbsp;&nbsp;132 | &nbsp;&nbsp;9.85% |
| &nbsp;&nbsp;Is the Condo Project warrantable | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;140 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;55 | &nbsp;&nbsp;30.91% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;140 | &nbsp;&nbsp;1.43% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;6 | &nbsp;&nbsp;25 | &nbsp;&nbsp;24.00% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;6 | &nbsp;&nbsp;27 | &nbsp;&nbsp;22.22% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;59 | &nbsp;&nbsp;1.69% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;3 | &nbsp;&nbsp;113 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;7 | &nbsp;&nbsp;133 | &nbsp;&nbsp;5.26% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;3 | &nbsp;&nbsp;136 | &nbsp;&nbsp;2.21% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;3 | &nbsp;&nbsp;51 | &nbsp;&nbsp;5.88% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;105 | &nbsp;&nbsp;3.81% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;110 | &nbsp;&nbsp;6.36% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;17 | &nbsp;&nbsp;75 | &nbsp;&nbsp;22.67% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;22 | &nbsp;&nbsp;57 | &nbsp;&nbsp;38.60% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;7 | &nbsp;&nbsp;27 | &nbsp;&nbsp;25.93% |
| &nbsp;&nbsp;Reviewed Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;74 | &nbsp;&nbsp;1.35% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;3 | &nbsp;&nbsp;38 | &nbsp;&nbsp;7.89% |
| &nbsp;&nbsp;Underwriting Guideline Version Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;14 | &nbsp;&nbsp;28.57% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;39 | &nbsp;&nbsp;12.82% |

---

![](ex9927001.jpg)

**Event Grade Definitions**

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| | |
|:---|:---|
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**Final Loan Grade** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;Loan meets Credit, Compliance, and Property 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. |

---

![](ex9927001.jpg)

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

---

## Exhibit 99.27

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.27**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Mapped ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| XXXX | 4350117046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The maximum LTV/CLTV per the guidelines is 75%, the subject loan LTV/CLTV is 85%. Exception approval is in the loan file. <br>|  |  |  | The exception was approved based on a XXXX credit score, 18 months reserves, high monthly income, same industry for more than 12 years, and XXXX housing history. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | Exception was given for the FN DSCR being under 1 at XXXX%. Per the guidelines the minimum DSCR is less than 1 the max LTV is 65%. The loan was approved with a DSCR of XXXX with an LTV of 70%. A formal exception is in the file.  |  |  |  | The compensating factors to approve this loan is that the borrower is a first-time homebuyer, has sufficient assets for cash to close and reserves. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Assets - Insufficient Cash to Close or Reserves | Borrower(s) total verified assets are insufficient for cash to close or reserves. Based on 9 months reserves, the reserve amount is short by a minimum of XXXX. <br>|  | Document Uploaded. sufficient funds for reserves - XXXX<br>| Received XXXX #XXXX transaction statement which was already in file. On XXXX a XXXX deposit was made into the account significantly attributing to the XXXX account balance; however, guidelines do not require large deposits to be verified on DSCR loans. - XXXX |  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | 4350117048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. <br>|  | Document Uploaded. - XXXX<br>| No open alerts on fraud report. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | Missing evidence of rate lock | Missing evidence of Rate Lock. <br>|  | Document Uploaded. - XXXX<br>| Received rate lock - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  | Document Uploaded. - XXXX<br>| Collateral Underwriter with a risk score of 1 has been received. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | Per the guidelines, the minimum DSCR is 1.25 when using short term rental income, per the 1007 the rent is for a vacation rental. There is an exception approval in the loan file. <br>|  |  |  | Compensating factors observed include an LTV/CLTV 5% below maximum, a FICO XXXX pints above minimum of 720, and more than 5 additional months of reserves documented. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The subject loan does not conform to program guidelines. Per guidelines, DSCR ratio less than 1 is allowed only when credit score is greater than XXXX. The variance is due to the Property Tax per Tax Record Information Sheet which notes next amount due of XXXX. As a result, DSCR score less than 1.0. Provide approved exception allowing for DSCR score less than 1.0 with credit score less than XXXX.  |  | Document Uploaded. this was resolved during pre-closing - XXXX<br>| Received explanation and confirmed resolved condition at pre-funding. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value | The XXXX risk score is High Risk. The value % is within guidelines. However, the CU in file has no score and no LCA available. The CDA mentions, " Aerial imagery indicates that the subject property is near XXXX, a detail that was not disclosed in the appraisal,nor was any analysis provided regarding its potential effect on marketability or value." Priovide additional information that supports the High Risk value is acceptable or provide the appraiser's note regarding the location near the property has any effect and resulted in High Risk.  |  | the CDA in the file is within our guidelines - XXXX<br>| Per lender, High Risk CDA is within their guidelines - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | Late Charge Grace Period is less than 10 days | Late charge grace period is less than 10 days. Subject Lien Note reflects a Max of 5 Days < 15 Day Min Requirement for the State of XXXX. XXXX Revised Statutes Title 46 - Property Section XXXX - Creditors, prohibited practices relative to home loans. <br>|  | Late charge grace period can be less than 10 days for investment loans - XXXX<br>|  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | Late Charge Percent is greater than allowable | Late charge percent is greater than allowable. Subject Lien Note reflects a Late Charge of 6% > Mas allowed of 5% of the amount of the payment past due per XXXX requirements (XXXX Revised Statutes Title 46 - Property Section XXXX - Creditors, prohibited practices relative to home loans). <br>|  | this is allowed for investment properties - XXXX<br>| Resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | <br> Exception was given for the FN DSCR being under 1.00. Per the guidelines the minimum DSCR 1.20 the max LTV is 65%. The loan was approved with a DSCR of XXXX with an LTV of XXXX%. A formal exception is in the file.  |  |  | Exception provided - XXXX<br>| The compensating factors to approve this loan is that the borrower is has sufficient assets for cash to close and reserves. | XXXX | Waived | 2 | 2 | 4 | 2 |
| XXXX | 4350117059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | 4350117059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | 4350117059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Borrower 1 Credit Report is Missing | Borrower 1 credit report is missing. Guidelines require a credit report for foreign national borrowers to show no credit score reported. No credit report was found in file. <br>|  |  | Interpretation memo regarding this matter was received 4/2025. No credit report required for FN. - XXXX<br>|  | XXXX | Void | 4 |  | 4 | 2 |
| XXXX | 4350117060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. File does not contain VOM for subject mortgage from opening in XXXX to first documented payment on XXXX. <br>|  | Document Uploaded. Please see the 2 attached statements showing account history of clean payments from XXXX to XXXX. These trailing account history's are allowed as opposed to VOM's under our guidelines. - XXXX<br>| XXXXs Inc. Statement dated XXXX showed 0x30 activity, due for XXXX - Subject loan closed XXXX. - XXXX<br>Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Eligibility - XXXXhip Requirements | The documented XXXXhip does not meet guideline requirements. File does not contain borrower's identification. <br>|  | Document Uploaded. Please see the attached borrower ID - XXXX<br>| Received borrower current identification. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Assets - Miscellaneous | The loan file does not contain all required asset documentation. Borrower asset statements used for income calculation show large deposits that were not addressed. Large deposits to be addressed XXXXXX, XXXX, XXXX, XXXXXXX, XXXXXXX, XXXXXX, XXXX. Additional conditions may apply. <br>|  | Document Uploaded. A per UW guidelines, large and unusual deposits must be sourced, unless considered usual and customary by the underwriter. The underwriter calls this out in notes and 1008 has been updated to reflect this. The underwriter used a more conservative expense factor than guidelines call for (XXXX). If we used XXXX% and excluded the large deposits, the DTI would be lower than the DTI qualified at. If we used the 82% expense factor and excluded the deposits, the qualifying DTI is XXXX% and the loan still qualifies. Front end ration is XXXX% and we are not using rental income on the investment properties which would significantly lower the DTI from XXXX%. The loan qualifies based upon excluding the deposits. Updated 1008 supporting DTI after removing the large deposit to support under XXXX% DTI and bank statement calc. supporting income. - XXXX | Received explanation with worksheet and revised 1008. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Investment Cash Out Refi No personal debt being paid off <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Property Title Issue | Property title issue. Provide title cleared from XXXX XXXX <br>|  | Document Uploaded. Affidavit of Title - XXXX<br>| Resolved: Documentation provided is satisfactory. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. Per guidelines, an accountant questionnaire is required to be completed by the accountant. The questionnaire in the loan documents is not signed by the accountant. <br>|  | Document Uploaded. The questionnaire document was electronically signed. On the signature line it has a time and date stamp that verifies that the accountant/CPA electronically signed. Please waive. - XXXX<br>| Condition resolved by lender accepting esigned CPA questionnaire. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | TRID: CD not delivered at least 3 days prior to consummation | Receipt of initial CD by non borrowing title holder XXXX is not evidenced in the loan file.  |  | Document Uploaded. Initial CD signed by XXXX - XXXX<br>| Received signed initial CD - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 5 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 5 | XXXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Provide renting from a management company, either fully executed VOR or most recent lease, along with payment history ledger from management company, canceled checks front and back or bank statements showing account ownership and payments debited by management company.<br>Missing payment history ledger from management company, canceled checks front and back or bank statements showing account ownership and payments debited by management company.<br>|  | Institutional VOR is acceptable. Correct interpretation of guideline is either Management Company VOR - OR - Lease and payment ledger. The payment ledger is not required if an management company VOR is present. Only if not present. The other items described in the guideline are only applicable or required if management company VOR is not present. - XXXX<br>| document in file meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 5 | XXXX | Credit | Liabilities - Not Verified | The application lists debts that were not verified on the credit report and not independently verified. Provide verification borrower does not have monthly IRS tax payment owed as per bank statement IRS withdrawal of tax payment on XXXX <br>|  | IRS payment - in the amount that was paid is consistent with the tax liability of an individual earning over XXXX annually. No IRS expense exists. The payments, that were isolated only to XXXX statement and not recurring, again consistent with an individual paying their tax liability due on or about the XXXX tax filing date. There is no indication that any additional tax liability exists. The client has sufficient assets to cover any tax liability reasonable for the qualifying income used. - XXXX | explanation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 5 | XXXX | Credit | Borrower 1 CPA Letter Missing | Borrower 1 CPA letter missing from the file. Documentation missing.<br> Per guidelines-<br> - The CPA/Licensed Tax Preparer must attest that they have audited the business financial statements or reviewed working papers provided by the borrower as well as attest that they are not affiliated or /associated with the borrower's business if they have not done so somewhere else in the loan file.<br> - Proof that the appropriate 3rd party completing the review is duly licensed, or certified (certification or licensing proof is acceptable if verified by professional services directory, government listing, or other reasonable 3rd party (certification proven by other reasonable methods may be allowed at underwriter discretion) <br>|  | Document Uploaded. Per tax preparer questionnaire - question #8. Have you reviewed the borrower's most recent business financials statements or working papers provided by the borrower and/or filed/reviewed the borrower's most recent tax returns? The tax preparer responded - YES. Question #$7 Do you have any relation or affiliation with the borrower or business? The tax preparer responded - NO. The PTIN was verified with IRS.gov - document uploaded with listing, the business was verified via internet search and as Active with XXXX SOS. The Tax preparer is also shown to be registered with the State of XXXX. - XXXX | documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per guidelines-Provide renting from a management company, either fully executed VOR or most recent lease, along with payment history ledger from management company, canceled checks front and back or bank statements showing account ownership and payments debited by management company.<br>Missing payment history ledger from management company or canceled front/back checks or bank statements showing account ownership and payments debited by management company.<br>|  | Guidelines read if renting from a management company either fully executed VOR which we have provided OR most recent lease, along with payment history. Since they do rent from a management company and we have a fully executed VOR then the payment history is not needed. - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the monthly HELOC statement from XXXX for the borrower's property located at XXXX. <br>|  | Document Uploaded. HELOC - XXXX<br>| Received HELOC statement XXXX showing balance of - XXXX with payment due of XXXX. Leaving higher lender used payment as draw period still open. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. CLTV of XXXX% exceeds the guideline maximum of 75% for the borrower's credit score of XXXX. No exception found in file. <br>|  | Document Uploaded. We approved a variance exception for the LTV. See 1008 comments - XXXX<br>| 1008 states exception for variance of LTV being greater than guideline maximum of 75% with credit score less than 700. - XXXX<br>| Compensating factors include residual income three times greater than required, DTI below maximum and strong employment history. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Missing 12 months primary residence housing history or evidence property is owned by borrower free of encumbrances. Loan application showed borrower has lived at primary residence for two years as owner; however, Fraud Manager and evidence of insurance shows someone else may own the property. <br>|  | Document Uploaded. Attached WVOM. - XXXX <br> Document Uploaded. - XXXX <br> Document Uploaded. - XXXX <br> Document Uploaded. See attached property profile reports. Attached LOE, the mortgage was not obtained through traditional financing but through seller financing, which is why there is no standard VOM or payment history available. Given the nature of the transaction, this documentation is acceptable to support the housing history for XXXX's 1x30x12 requirement. - XXXX <br> Document Uploaded. Please waive condition on 12 month primary housing based off of XXXX conditions. Attached deed and real estate record showing ownership for borrower. - XXXX | Received WVOM documenting history for a XXXX loan dated XXXX. This loan appears to be approximately the difference between the XXXX borrower purchase money on primary residence dated XXXX and the stand alone mortgage seller took out XXXX for XXXX. Account shows satisfactory. - XXXX<br> Received documentation - still need 12 month mortgage history on XXXX seller carryback loan to show borrower has made payments to the seller. - XXXX<br> Document Uploaded. - XXXX<br> Received executed transfer deed to show borrower acquired primary residence XXXX. Appears based on the language of the transfer deed that the borrower assumed the deed of trust originated with XXXX recorded XXXX for the principal amount of XXXX and is supported by evidence of insurance provided. Provide 12 months housing history for the primary residence to support maximum 1x30x12. Guidelines state the subject property and primary residence housing histories are required for the DSCR program. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 6 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 6 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXX' are less than XXXX. Per guidelines, 8 months of reserves are required or XXXX. Gift funds of XXXX was used towards cash to close, but the borrower is short XXXX for reserves. Please provide clarification if gifts can be used to meet the reserve requirement. If not, please provide additional assets to show that the borrower has sufficient reserves. <br>|  | Guidelines 9.4.4 follow FNMA Guide Section B3-4.3-04 and based on LTV and property type gift funds allowed for reserves. Please clear condition. - XXXX<br>| Total Cash reserves are greater than XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 6 | XXXX | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. Rental income of XXXX was used for the property located at XXXX. However, the audited rental income calculates to XXXX, based on leases totaling XXXX, less 25% vacancy/expense factor (XXXX), minus PITIA of XXXX (comprised of XXXX P&I, XXXX taxes, and XXXX insurance). Please provide the rental income calculator that supports the XXXX income figure. <br>|  | Document Uploaded. The borrower has 3 insurance policies (one for each unit XXXX combined amount should have been XXXX w/property taxes) 3 policies were included in CLP. UW put the 75% in wrong field on 1003. Attached is the corrected 1003 and 1008. Please clear condition. - XXXX |  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 6 | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. duplicate <br>|  | Guidelines 9.4.4 follow FNMA Guide Section B3-4.3-04 and based on LTV and property type gift funds for reserves is ok. Please clear condition - XXXX<br>| Audited Reserves of XXXX month(s) are greater than or equal to Guideline Required Reserves of 8 month(s) - XXXX<br> Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 6 of 6 | XXXX | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History does not meet guideline requirements. Per the mortgage statement for XXXX, the borrower is in default for unpaid property taxes. Please provide documentation that the property taxes are current. <br>|  | Property tax cert showing property taxes paid on REO attached. Please clear condition. - XXXX<br>| Delinquent Credit History Meets Guideline Requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rental history for Borrower's Primary Residence. Lease has been provided but there is no evidence of payments made or VOR in file. <br>|  | Our guidelines don't require VOR/VOM for this loan. - XXXX<br>| Per client, VOR is not required. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is in the loan file for a top layer entity Borrower's ownership of 70% which is less than 100% ownership of bottom entity. <br>|  |  |  | Compensating factors listed as reserves exceed minimum requirements and credit score exceeds minimum requirements. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Max LTV for this loan is 65%. A formal exception is in the file. <br>|  |  |  | The exception was approved based on reserves 3 months great than program requirement and high credit score over program requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Program Parameters - Borrower/Business Entity Ineligibility. The top layer entity borrower's ownership is only 70%, which is less than 100% ownership of bottom entity. A formal exception is in the file. <br>|  |  |  | The exception was approved based on reserves 3 months greater than program requirements, and a credit score over program requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing Verification of Rental history for Borrower's Primary Residence. Lease is provided but no evidence of payments made or VOR provided. <br>|  | Our guidelines don't require VOR/VOM for this loan. - XXXX<br>| Per client, VOR is not required. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is in the loan file for a top layer entity Borrower's ownership of 70% which is less than 100% ownership of bottom entity. <br>|  |  |  | Compensating factors listed as reserves exceed minimum requirements and credit score exceeds minimum requirements. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. Audited LTV of 70% exceeds guideline LTV of 65%. <br>|  | Document Uploaded. exception attached. - XXXX<br>| Formal exception granted to allow LTV of 70% which exceeds guideline maximum of 65%. - XXXX<br>| Compensating factors listed as 3 months excess reserves over requirement and a high FICO score. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The max LTV is 65%. A formal exception is in the file. <br>|  |  |  | The exception was approved based on reserves of 3 months greater than program requirements, and a high credit score over program requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Program Parameters - Borrower/Business Entity Ineligibility | Program Parameters - Borrower/Business Entity Ineligibility. A formal exception is in the file due to the ownership percentage. <br>|  |  |  | The exception was approved based on reserves of 3 months greater than program requirements, and a high credit score over program requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | FICO does not meet minimum program requirement | The minimum Fico for a first-time buyer is 700, and the borrower's score is XXXX. Please document exception or documentation to allow.  |  | Document Uploaded. attached exception. - XXXX<br>| The minimum Fico for a first-time buyer is 700, and the borrower's score is XXXX. A formal exception was provided. - XXXX | The exception was approved due to an LTV of XXXX%, and a DSCR of XXXX. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | Prepayment Penalty Information Missing | Prepayment Penalty information is missing. Prepayment Penalty information is incorrect. The prepayment penalty section reflects a term of 60 months; however, the detailed breakdown outlines penalties extending over 72 months (including an inital 6 month period at 5%, and additional 18 months at 5%, followed by annual 1% penalties through the fifth year). Please provide corrected prepayment penalty rider that accurately reflects the total duration of the penalty period. <br>|  | Document Uploaded. - XXXX<br>| Received corrected prepayment penalty - XXXX<br>Document Uploaded. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the mortgage statement or supporting REO documentation for the property at XXXX for XXXX and for XXXX in the amount of XXXX. <br>|  | Document Uploaded. Please see the attached settlement statements and payment letters. The 3 loans were closed together. Thank you. - XXXX<br>| Received explanation. After adjusting PITIA figures in system, DTI is still within guideline requirements. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Provide replacement cost estimate (RCE) to support XXXX insurance coverage is sufficient. <br>|  | The appraisal shows total estimate of cost-new is XXXX and the insurance shows dwelling coverage of XXXX. This should suffice. Thank you. - XXXX<br>| Originator used Total Estimated Cost New value per appraisal report and confirmed allowed per guidelines. - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | 4350117085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the mortgage statement or supporting REO documentation for the property at XXXX for XXXX and for XXXX in the amount of XXXX. <br>|  | Document Uploaded. Please see the attached settlement statements and payment letters. The 3 loans were closed together. Thank you. - XXXX<br>| Received first payment letters for XXXX and XXXX properties and DTI is still within program requirements. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Hazard insurance dwelling coverage is not sufficient | Provide replacement cost estimate (RCE) from insurer to confirm XXXX is sufficient insurance coverage. <br>|  | Document Uploaded. Please see attachment confirming 100% Replacement Cost Coverage is included. Thank you. - XXXX<br>| Received email correspondence from insurance agent that insurance coverage includes replacement cost coverage. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Missing 3rd party valuation product <br>|  | Document Uploaded. - XXXX<br>| Fannie Mae Cu with score 1 provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Eligibility - Borrower Party Signature | Document signatures are incomplete or do not meet eligibility guidelines. The loan is vesting in the name of the LLC. Per guidelines, all LLC owners are borrowers on the transaction. Per the operating agreement, XXXX owns 90% of XXXX and XXXX owns 10%, but the Note and the Mortgage is only signed by XXXX. The total shares of borrower(s) must be ≥ 25%. Total shares of guarantor(s) must be ≥ 25%. Please provide the Note and Mortgage with XXXX signatures. <br>|  | Not all LLC owners are borrowers/guarantors on the transaction. For this loan, XXXX is a guarantor. She signed the personal guaranty. The Note and Mortgage is signed by the LLC. The operating agreement and resolution has authorized and given Dor full authority to sign on behalf of the LLC. - XXXX <br> Per operating agreement and resolution, XXXX is authorized to sign on behalf of the LLC. Both XXXX signed personal guaranty. - XXXX | Per direction from the lender, if the individual who executed the Note had full authority under the LLC Agreement to do so on behalf of the Borrower, then the Note and Mortgage should be deemed acceptable. The Operating Agreement and LLC Resolution have been provided for review. The Operating Agreement reflects the following: Section 3(c) establishes that XXXX holds a 10% membership interest in the LLC; Section 5(a) identifies XXXX as the Manager/Managing Member; Sections 5(b) and 5(b)(ii) grant the Manager full, exclusive, and complete authority to mortgage any real estate; however, Section 5(c) requires unanimous Member approval to borrow or loan money on behalf of the Company. The LLC Resolution, executed by XXXX and XXXX, authorizes the subject mortgage encumbrance. The property, originator, and loan amount reconcile with the subject loan. - XXXX<br> Per guidelines, all LLC owners are borrowers on the transaction. The Note and Mortgage with XXXX signature is missing. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | The approved DSCR is XXXX, but the audited DSCR is XXXX. DSCR was calculated using the rental income of XXXX per the 1007; P&I of XXXX; taxes of XXXX; hazard insurance of XXXX; for a total PITIA of XXXX.  |  | I have DSCR ratio at XXXX. I have PITIA of XXXX and rental income of XXXX. - XXXX | DSCR is withing guidelines. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Borrower 1 Deed of Trust Signature does not match Note | Borrower 1 Signature does not match Note Signature. <br>|  | By Deed of Trust, are you referencing to the Mortgage? All of XXXX's signatures don't match exactly. But he is the one that signed on all the documents. - XXXX<br>| Really duplicate issue - The Guarantor whose credit was used to qualify did not sign the Note and Security Instrument. - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | 4350117088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | Eligibility - Borrower Party Signature | Document signatures are incomplete or do not meet eligibility guidelines. Note and Mortgage to be signed by Borrower - XXXX. <br>|  | The LLC is the borrower. The LLC signs the Note and the Security Instrument. Under the operating agreement and resolution, XXXX is given full authority to sign on behalf of the LLC. XXXX has also signed the personal guaranty. - XXXX <br> This is vested under a LLC. XXXX is the authorized signer for XXXX per operating agreement and resolution.<br> We have XXXX signing the personal guaranty. - XXXX | Per direction from XXXX, if the person who signed the note had full authority under the LLC agreement to sign the Note/MTG on behalf of the LLC Borrower, then it should be acceptable. <br>In receipt of the Operating Agreement and LLC Resolution. The Operating Agreement states in Section 3(c) that XXXX holds 10% membership interest of the LLC, Section 5(a) notes that XXXX is the Manager/Managing Member, and Section 5(b) and 5(b)(ii) states the Manager has full exclusive and complete discretion power and authority to mortgage any real estate. Section 5(c) stipulates that there must be unanimous approval of the Members to borrower or loan money on behalf of the Company. The LLC Resolution is signed by XXXX and XXXX and authorized the subject mortgage encumbrance. The property, originator, and loan amount reconciled with the subject loan. <br> - XXXX<br> Received explanation. The Guarantor needs to be the person who signed the Note and whose credit is being used for loan qualification. XXXX needs to sign the Note and Security Instrument. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Provide Operating Agreement for XXXX to confirm Guarantor's percentage of ownership and authorization. Guidelines require Guarantors to have a minimum of 25% share ownership and personal guaranties executed by shareholders who hold a minimum of 50% ownership. Certifcate of Formation already provided shows XXXX as member/manager when IRS EIN notification already provided shows XXXX as sole member. <br>|  | Document Uploaded. Attached operating agreement and resolution as provided. XXXX is still personal guaranteeing the loan as she signed the personal guaranty. XXXX is the authorized signer per operating agreement and resolution. - XXXX<br>| Received XXXX Operating Agreement which reflects percentage of ownership and authorization. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. First Time Home Buyer - A formal exception is in file. However, the exception does not include any compensating factors. Guidelines state first time home buyers is considered on an exception basis only. <br>|  | FTHB does not need compensating factors. It is an internal exception given. - XXXX<br>| Received explanation. - XXXX<br>| Compensating factors noted are LTV 20% below program maximum and qualifying FICO almost 50 points higher than guideline minimum. | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | Per the data tape, the DSCR is XXXX. Per guidelines, the lower of Lease agreement or market rent survey from appraisal report is required to be used. The Lease agreement the monthly rent is XXXX. Per the 1007 the monthly market rent is XXXX. Using the lease agreement of XXXX divided by the total PITIA of XXXX leaves the DSCR of XXXX.  |  | DSCR ratio of XXXX is the correct calculation. - XXXX | Communication that XXXX is correct has been received. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Income - Rental Property | Rental income is not properly documented and/or supported. Per guidelines, in order to use 125% of the market rent to qualify, the file must contain 2 months of the most recent rent receipt. Please document the most recent 2 months of rent to support the amount used to calculate the DSCR. <br>|  | Document Uploaded. attached. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is located in the loan file for a First Time Home Buyer. <br>|  |  |  | The exception was approved due to high credit score, over program requirement, and high DSCR. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | HO6 Master Insurance Policy is Missing | Missing Condo / PUD project master insurance policy. <br>|  | Document Uploaded. attached - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Credit | Gift Letter - Missing | A required gift letter was missing from the file and/or the donor funds were not verified. Missing fully executed gift letter for the XXXX funds wired from Borrower's Spouse to Title Company. <br>|  | Document Uploaded. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is located in the loan file for a First Time Home Buyer. <br>|  |  |  | Reserves greater than program requirement. Credit Score greater than program requirement. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 7 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The approved DSCR is XXXX. The minimum DSCR is 0.75. A formal exception is located in the loan file. <br>|  |  |  | Credit score exceeds minimum required. 3 months reserves greater than program requirement | XXXX | Waived | 2 | 2 | 4 | 2 |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 7 | XXXX | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form 1007 as required. Documentation of the monthly rent of XXXX is missing from the loan file. <br>|  | Document Uploaded. attached. - XXXX<br>| 1007 has been received - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 7 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 7 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 7 | XXXX | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate of Good Standing. The certificate of Good Standing is missing for XXXX<br>|  | Document Uploaded. See attached. InXXXX, it's called the certificate of status. It is the same as good standing. - XXXX<br>|  |  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 7 | XXXX | Credit | Missing Business Purpose Affidavit | File is missing statement of business purpose. Per guidelines, all LLC owners are borrowers. Per guidelines, all Borrower(s) must execute the Occupancy Certification. Only XXXX has signed the Occupancy Certification. Please provide the documentation that bears the signature of XXXX. <br>|  | XXXX was authorized to sign on behalf of the entire LLC per resolution. - XXXX<br>| Borrower has full authority to sign on behalf of the LLC. - XXXX<br> Per guidelines, all Borrower(s) must execute the Occupancy Certification. Only XXXX has signed the Occupancy Certification. Please provide the documentation that bears the signature of XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 7 of 7 | XXXX | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Per guidelines, all LLC owners are borrowers. Per guidelines, all Borrower(s) must execute the Personal Guaranty. Only XXXX has signed the Occupancy CertificationGuaranty. Please provide the documentation that bears the signatures of XXXX. <br>|  | All LLC owners are not borrowers/guarantors. That was not intended on the guideline. The other 3 members are not on the loan and do not have over 50% ownership and are not required to guarantee the loan. - XXXX<br>| Borrower has the authority to sign on behalf of the LLC - XXXX<br> guidelines, all Borrower(s) must execute the Personal Guaranty. Only XXXX has signed the Guaranty. Please provide the documentation that bears the signatures of XXXX. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | 4350117096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV exceeds guideline LTV. The guidelines require a maximum 70% LTV due to first time home buyer. A formal exception is in the file. However, the exception is marked as "Continued" rather than approved. Please provide confirmation and documentation of exception approval.<br>|  | Document Uploaded. attached exception - XXXX<br>| Received signed exception approval with compensating factors. - XXXX<br>| High FICO, Reserves >7 months after funds to close. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Credit | Income - Comparable Rent Schedule Form 1007 Missing | The loan file did not contain the comparable rent schedule form 1007 as required. Please provide 1007 to support a minimum of XXXX in monthly rental income estimate. <br>|  | Document Uploaded. attached 1007 - XXXX<br>| Received 1007 market rents for subject property supporting XXXX monthly rent. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Property | Missing HOA/Condo Certification | Documentation of the additional expense of XXXX for the property located at XXXX is missing from the loan file.  |  | Document Uploaded. - XXXX<br>|  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the additional payment for XXXX for the property at XXXX. Unable to locate the mortgage statement or supporting REO documentation for the property at XXXX for XXXX orXXXX for XXXX.<br>|  | Document Uploaded. Please see the uploaded documents for the current mortgage on XXXX. Thank you. - XXXX <br> Document Uploaded. Please see the attached settlement statements and payment letters. The 3 loans were closed together. Thank you. - XXXX | Received XXXX Shellpoint Monthly Statement, XXXX final XXXX settlement statement for XXXX transaction, and Payment Letter to Borrower documenting recent XXXX transaction. Monthly PITI supported XXXX monthly obligation including impounds and is less than was originally used in the DTI calculation. - XXXX<br> Received Payment Letter To Borrower documentation for XXXX and XXXX properties. However, did not receive PITIA documentation for XXXX property. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. Provide replacement cost estimate (RCE) from insurance to support sufficient insurance coverage. <br>|  | The appraisal shows total estimate of cost-new is XXXX and the insurance shows dwelling coverage of XXXX. This should suffice. Thank you. - XXXX<br>| Received explanation and confirmed guidelines allow for the use of Total Estimate of Cost New on Appraisal Report to establish insurance coverage requirements. - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 1 |
| XXXX | 4350117100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is located in the loan file for a loan amount of XXXX Million greater than the maximum loan amount of XXXX Million. <br>|  |  |  | Reserves exceeds minimum requirements. Low LTV of 60.8% | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | Credit Profile - Inquiries | The credit report shows recent inquires that have not been adequately addressed. Credit inquiry letter is missing signature and date. <br>|  | Document Uploaded. Please see attached, signed. - XXXX<br>| Executed LOE for credit inquiry received. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  | A 3rd party – CDA – is not required when there is a second appraisal. Please see second appraisal uploaded to other condition. Thank you. - XXXX<br>| 2nd full appraisal received. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Property | Missing Doc - Second Appraisal Missing | The loan file did not contain the subject second appraisal as required. <br>|  | Document Uploaded. Please see second appraisal uploaded. Thank you. - XXXX<br>| Full 1025 appraisal received with acceptable value and no issues noted. Condition resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 5 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 5 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. PG 287 299 - Provide clarification Property and Fraud Report verified XXXX owned by borrower XXXX and not listed on XXXX and PITIA payments not included in DTI <br>|  | Document Uploaded. Attached ID and property profile. XXXX is not our borrower. - XXXX<br>| Resolved: Confirmed Property Report to additional DL provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. PG 199 Approved Exception Report - The borrower only has 2 tradelines <br>|  |  |  | High FICO, reserves >20 mos | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 5 | XXXX | Credit | Purchase Contract - Addendum Missing | The Purchase Contract Addendum is missing. Provide contract with sales price XXXX <br>|  | Document Uploaded. See attached. It was on lower half page 1 of this addendum. - XXXX<br>| Voided: Confirmed Addendum with correct Sales Price was provided in Original Loan Doc Submission (P.119). Finding has been voided as no error occurred. - XXXX<br>|  | XXXX | Void | 3 |  | 3 | 2 |
| XXXX | 4350117102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Calculated DSCR does not meet the Minimum DSCR allowed | Review of the PITIA for the subject property is XXXX and the 1007 market rent is XXXX. This resulting DSCR is below 1.0. The tape data reflects a final DSCR of XXXX. Please provide documentation to support the final DSCR.  |  | DSCR is below 1. DSCR ratio is at XXXX. - XXXX | Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Income - Rental Property | Rental income is not properly documented and/or supported. File does not contain proof of rental income for any of the 3 rental properties. File does not have proof of rental income receipt evidenced by 2 months' bank statements or the leases. <br>|  | Document Uploaded. Attached documents. Only 1 rental income being used; other 2 are being omitted. DTI still below 48%. - XXXX<br>| Lease and 2 months payment receipt for XXXX received and income counted. Payment history and evidence paid by business received for the XXXX properties. Payments for the 2 REOs removed from liabilities. Condition resolved and DTI now within guidelines. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  | This condition should be closed out if there is no findings. - XXXX<br>|  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide the mortgage history for the borrower's primary residence located at XXXX <br>|  | The most recent mortgage statement with EMET was provided. Since this is a new mortgage, the statement provided reflected the first month's mortgage payment. This document should suffice. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Fist time homebuyer is acceptable on exception basis. A formal exception is in the loan file. <br>|  |  |  | The borrower has 3 months reserves greater than the program requirement. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV exceeds guideline CLTV. The max LTV for First time homebuyer is 70%. FICO/LTV combination outside of rate sheet/guideline program requirements.The exception compensating factors state, "Borrower's FICO is XXXX. Permanent residence purchase with 11 month reserves." A formal exception is in the file. However, the post close reserves are XXXX. Missing an updated exception for the FICO/LTV combination outside of rate sheet / guideline / program requirements. <br>|  | Document Uploaded. Attached email from XXXX from XXXX stating 9 months exception is approved on this. - XXXX<br>| The max LTV for First time homebuyer is 70%. FICO/LTV combination outside of rate sheet/guideline program requirements. A formal exception is in the file. - XXXX<br>| Borrower's FICO is XXXX. Permanent residence purchase with 11 month reserves. However, the post close reserves are XXXX. Approved XXXX reserves per updated exception correspondence. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. Missing evidence of XXXX school tax used in the transaction. <br>|  | Document Uploaded. attached. - XXXX<br>| Tax Search provided verifies school tax XXXX used in the transaction. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Provide missing 12 months VOM/housing history <br>|  | Our guideline for primary prime p&l does not require VOM/VOR. Under the guideline, it states for housing history: No derogatory housing event from credit report allowed within one year. - XXXX<br>| Per client, VOR is not required. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Investment Purchase <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Unable to locate the fraud report that shows the cleared alerts. <br>|  | Document Uploaded. Please see updated report attached - XXXX <br>Document Uploaded. Please see attached - XXXX<br>| Received Fraud report with cleared high risk alert. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. <br>|  | Per condominium questionnaire, the subject development has a 62% investor concentration (XXXXs, XXXXed). Guidelines allow for project investor concentration to be up to 60% without exception. - XXXX <br>Document Uploaded. Please see exception attached - XXXX<br>| 62% investor concentration subject condominium project when guidelines allow for a maximum of 60% investor concentration - A formal exception is in file. - XXXX<br>| Compensating factors used were 6 months reserves, Housing history 0x30, High discretionary income, and Low DTI. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Borrower 1 YTD Profit & Loss Missing | Borrower 1 YTD Profit & Loss missing. Bank statement guidelines require a Profit and Loss Statement that covers the same period as the bank statements. The P&L can be prepared by a tax preparer, CPA, or tax attorney and should be signed and dated. The monthly gross revenue from the P&L must be supported by the business bank statements provided. The P&L was not found in file. <br>|  | Guidelines do not require P&L for business bank statement program. Updated guidelines sent via email, but previous version also stated:<br> •Monthly net income from the P&L OR income after deducting a 50% expense factor - XXXX<br>| Received updated guidelines v19 revised XXXX which removed the P&L requirement for the 12/24 month business bank statement program. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The subject DSCR is XXXX. Guidelines cite for a cash out refinance of a Fix and Flip/Rehab loan where the collateral property is vacant, the minimum DSCR score is XXXX. Please provide a formal exception. <br>|  | Hello - This loan is not a cash out from a fix and flip loan. The borrower owned the project free and clear and did not have an existing Fix and flip loan. - XXXX<br>| Received confirmation this is not considered a cash out from a fix and flip loan. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, there must be no mortgage payment lates within the last 24 months. A formal exception is in the loan file for a 1 time 30 day late reported in XXXX. <br>|  |  |  | Depth of the prior property management housing history is 5 years. Reserves exceeds minimum required by over 6 months. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. Guideline requires borrower to engage a third-party property management firm if the property management experience requirements are not met to self-manage. The Guarantor has owned the subject property for less than two years and qualifying credit score is less than 700. <br>|  | Document Uploaded. Hello - Guideline does not require them to have 2 years managing the "Subject property" , but does require 2 years of general rental property management experience. Please see the attached property reports for 2 rental properties borrower has owned for >2years - XXXX<br>| Received property reports for two properties that Guarantor currently owns and acquired > 2 years ago. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, there must be no mortgage payment lates within the last 24 months. A formal exception is in the loan file for a 1 time 30 day late reported in XXXX. <br>|  |  |  | Depth of the prior property management housing history is 5 years. Reserves exceeds minimum required by over 6 months. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Credit | Eligibility - Investor Experience | The borrower(s) investor experience does not meet guideline requirements. Guideline requires borrower to engage a third-party property management firm if the property management experience requirements are not met to self-manage. The Guarantor has owned the subject property for less than two years and qualifying credit score is less than 700. <br>|  | Document Uploaded. Hello - Guideline does not require them to have 2 years managing the "Subject property" , but does require 2 years of general rental property management experience. Please see the attached property reports for 2 rental properties borrower has owned for >2years - XXXX<br>| Received property reports on two properties that Guarantor acquired > 2 years ago. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 5 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing A gap credit report or Undisclosed Debt Monitoring report is required no more than 30 days prior to the loan closing or any time after closing. Missing gap report. <br>|  | Document Uploaded. - XXXX<br>| Soft pull dated XXXX provided. No new debts - XXXX<br>Borrower 1 Gap Credit Report is not missing. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4350117118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 5 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 5 | XXXX | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. The lender must verify that the property insurance coverage amount for a first mortgage secured by a one- to four unit property is at least equal to the lesser of: a) 100% of the replacement cost value of the improvements as of the current property insurance policy effective date, or b) the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. Total insured amounts XXXX vs UPB XXXX. Missing replacement cost by insurer to determine acceptable coverage. <br>|  | Document Uploaded. - XXXX <br>this is not required as per the guidelines - XXXX <br>Document Uploaded. - XXXX<br>| Received evidence of 100% replacement - XXXX<br>The document provided only says 100% replacement cost. Provide the replacement cost estimate . - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 5 | XXXX | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. The credit file must contain documentation showing the CPA is currently licensed in their state, the EA or PTIN is currently active (Screen shot of the IRS web site), or the XXXX is active (Screen shot from XXXX web site). The Approval and Clear to Close Notification documents both state, "A PTIN is not allowed for this loan. The tax professional must be a CPA, Enrolled Agent, a XXXX registered tax preparer, or a Tax Attorney." Missing screenshot of IRS/XXXX website and CPA, Enrolled Agent, a XXXX registered tax preparer, or a Tax Attorney for P&L and CPA letter. <br>|  | Document Uploaded. see attached PTIN search obtained from the IRS website - XXXX <br>Document Uploaded. - XXXX<br>| PTIN is active per document provided. - XXXX<br> Originator used guidelines not clear to close which is acceptable. However, the documentation requirements next page, states, "Profit & Loss statement prepared by a Certified Public Accountant (CPA), an IRS Enrolled Agent (EA), IRS Preparer <br> Tax Identification Number (PTIN) register tax preparer, or a XXXX (XXXX) registered tax preparer. The credit file must contain documentation showing the CPA is currently licensed in their state, the EA or PTIN is currently active (Screen shot of the IRS web site), or the CTEC is active (Screen shot from XXXX web site). Missing proof of PTIN is currently active.<br>- XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 17 | XXXX | Credit | Borrower 1 CPA Letter Missing | Unable to locate the CPA letter in the file to verify business ownership and expense percentages of XXXX. Per loan application borrower's income source is from an ownership interest in XXXX. Borrower 1 CPA letter missing from the file. <br>|  | Document Uploaded. letter is attached. also it is not required if we have 12 months bank statements. Please also see the attached guideline. - XXXX <br>Document Uploaded. - XXXX<br>| Received CPA letter which stated Guarantor owns 80% of XXXX which owns 100% of XXXX. - XXXX<br> Borrower 1 CPA letter provided - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 17 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Unable to locate the 3rd party voe. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| Received pre-close VVOE. - XXXX<br> Borrower 1 3rd Party VOE prior to close was provided. - XXXX<br> Received legal disclosure for XXXX which was not the referenced document. Please re-upload B1 pre-close VVOE. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 17 | XXXX | Credit | Missing letter of explanation | Unable to locate the business narrative. <br>|  | Document Uploaded. - XXXX<br>| Received Business Narrative - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 17 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing Unable to locate the gap credit report in the file. <br>|  | Document Uploaded. - XXXX <br>This is a DSCR loan, a Gap Report/Soft Pull is not required. - XXXX<br>| Received XXXX credit report which showed non-material changes to credit and payments, with no new credit opened. - XXXX<br> Received explanation. Per Loan Approval, the loan was qualified under the 12 months bank statement program with a XXXX% back end DTI; therefore, a gap credit/soft pull report would be required. Please provide the requested document. - XXXX |  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 17 | XXXX | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. Unable to locate the 3rd party valuation <br>|  | Document Uploaded. - XXXX<br>| Received XXXX which supports subject value with Low Risk. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 17 | XXXX | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. If Replacement Cost Evidence is unable to be provided due to XXXX statute, please provide insurance correspondence or updated evidence of insurance stating that XXXX in insurance coverage is also the replacement cost amount. <br>|  | Document Uploaded. See attached RCE - XXXX <br>Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| Received updated RCE showing calculated value of XXXX and now insurance coverage is more than the RCE. - XXXX<br> Coverage Amount - Hazard Insurance of XXXX is equal to or greater than Required Coverage Amount of XXXX - XXXX<br> Received Replacement Cost Estimate for subject property which totals XXXX. However, evidence of insurance previously provided shows coverage of XXXX. Need insurance agent confirmation that XXXX is also the replacement cost amount of the subject. - XXXX<br> Received email confirmation from XXXX; however, it was not for subject property - property referenced was XXXX. Please provide insurance confirmation that subject's insurance policy was written at 100% replacement cost. - XXXX<br> Coverage Amount - Hazard Insurance of XXXX is equal to or greater than Required Coverage Amount of XXXX - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 7 of 17 | XXXX | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$XXXX', are less than XXXX. Borrower(s) total verified assets are insufficient for cash to close or reserves. Unable to locate verifiable funds to support the closing cost or reserves on the loan. An additional minimum of XXXX in assets need to be verified in order to cover the funds required to close of XXXX plus the six months minimum reserve requirement per guidelines. Liquid Funds Post-Close of '$XXXX', are less than XXXX. Borrower(s) total verified assets are insufficient for cash to close or reserves. Liquid Funds Post-Close of '$XXXX', are less than XXXX. <br>|  | Document Uploaded. - XXXX<br>| Liquid Funds Post-Close are greater than or equal to XXXX. - XXXX<br>Liquid Funds Post-Close are greater than or equal to XXXX. Borrower(s) total verified assets are insufficient for cash to close or reserves. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 8 of 17 | XXXX | Credit | OFAC Check Not Completed and/or Cleared | OFAC check not completed and/or cleared. Missing OFAC documentation in the file. Per guidelines, a clear OFAC search is required for individuals and foreign countries. <br>|  | Document Uploaded. - XXXX<br>| OFAC Check Completed and Cleared - XXXX<br>Received OFAC for borrower with no results. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 9 of 17 | XXXX | Credit | Third Party Fraud Report not Provided | Missing third party fraud report. Unable to locate the Fraud Report. Per the guidelines, a copy of the fraud report must be in the file and all high alerts or red flags addressed and/or cleared by the underwriter. <br>|  | Document Uploaded. - XXXX<br>| Received XXXX. - XXXX<br> Third party fraud report is provided - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 10 of 17 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 11 of 17 | XXXX | Credit | Income 5 Months Income Verified is Missing | Income 5 months income verified is missing. Provide documentation and explanation for any payments or non-payments for property located at XXXX. Per the loan application the aforementioned property was owned with no mortgage; however, no documentation was provided to support the property was held free and clear of mortgage obligations and no tax nor insurance information was provided for the property. <br>|  | Document Uploaded. property is owned by an LLC we shouldn't have to verify PITIA - XXXX<br>| Documentation provided to show XXXX is owned by XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 12 of 17 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Provide a complete 12-month housing history per guideline requirements, to include property at XXXX: Per the loan application, the borrower has lived in their current residence at XXXX for 4 months. Prior to that borrower lived at XXXX for 1 year. The application states that the borrower owned the property at XXXX. Unable to locate documentation to support the borrower making payments on this property prior to moving into their current residence. The borrower did live at XXXX prior to the XXXX That property was reported on the credit report starting XXXX and last reported on XXXX as of the date of credit report which is for 11 months. There is a gap of proof of residence being that there is nothing in the file to support the prior housing history at XXXX. <br>|  | Document Uploaded. revised 1003 reflects correct current residence history. \*\*\* revised 1008 and 1003 reflects assets updated as well to verify funds to close plus reserves. - XXXX<br>| Received business bank statements forXXXX accounts #XXXX and #XXXX. Used 80% of balances as of XXXX, as account #XXXX shows funds wired to title on that date for closing. Deducted XXXX from balance in account #XXXX due to XXXX funds wired into account fromXXXX account #XXXX which was not disclosed in file and unknown where funds are coming from. After making the aforementioned adjustments, sufficient assets documented now to support sufficient funds for close and reserves. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 13 of 17 | XXXX | Credit | Employment - Evidence of Self-Employment Missing | The loan file did not contain evidence of self-employment as required. Unable to locate evidence that the borrower has been employed by XXXX for a minimum of two years. <br>|  | Document Uploaded. - XXXX <br>Document Uploaded. - XXXX<br>| Received Operating Agreement for XXXX signed XXXX which is to evidence LLC has been in operation for over two years. - XXXX<br> Received Amended Operating Agreement of XXXX when borrower's source of income per final loan application is XXXX. The Amended Operating Agreement does not reference XXXX. Please provide acceptable source of third party documentation per guideline requirements to show the source of borrower's self-employment income, XXXX, has been in existence for a minimum of two years. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 14 of 17 | XXXX | Credit | Guarantor Resource Doc is Missing | The loan file does not contain the Guarantor Resource documentation. Provide corporate resolution or affidavit acknowledged by all corporate members of XXXX authorizing Guarantor to encumber the subject property. The Operating Agreement shows there are two additional corporate owners (XXXX), but have not joined in the execution of the subject loan. <br>|  | Document Uploaded. Corporate resolution uploaded. - XXXX <br> see attached - XXXX <br> Document Uploaded. - XXXX <br> The Operating Agreement for XXXX is provided and establishes the structure and authority of its members. Additionally, all members listed in the Operating Agreement, including XXXX, have executed the Deed of Trust. Per guidelines for LLCs, no separate borrowing resolution is required when the Operating Agreement and executed loan docs together demonstrate proper authority. - XXXX | Documentation provided is sufficient. - XXXX<br> Written Consent of XXXX was received which was not executed by XXXX, who is identified as a "Member" of the LLC. The Operating Agreement of XXXX states in section 5.2 that "the member(s) is the agent of the company and has authority to bind the company on all matters. The authority of the Member(s) includes...sell, lease, exchange, mortgage...all of the property or assets of the Company." Since the Operating Agreement does not have specific language excluding minority members from the authority to mortgage LLC property, XXXX would need to execute the Written Consent or provide other documentation to show her authorization or her corporate interest was previously relinquished. Please note XXXX did not sign the security instrument which would have also shown acknowledgement of the subject property transaction. - XXXX<br> Received corporate resolution; however, XXXX did not sign and holds 10% interest in LLC. XXXX to sign resolution or provide documentation to show she no longer holds ownership interest in the corporation. - XXXX<br> Received explanation. The copy of the security agreement provided shows witnesses XXXX and XXXX signatures and not the corporate owners XXXX and XXXX. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 15 of 17 | XXXX | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report shows uncleared alerts. Received LoanSafe Fraud Manager; however, it includes High and Medium-risk alerts that are not cleared. Please provide evidence Alerts cleared through XXXX.  |  | Document Uploaded. - XXXX<br>| Received XXXX Alerts Summary reflecting all alerts cleared. - XXXX<br> All Fraud Report Alerts have been cleared or None Exist - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 16 of 17 | XXXX | Credit | Asset 3 Less Than 2 Months Verified | Asset has less than 2 months verified in file. <br>|  | Document Uploaded. - XXXX<br>| Asset 3 Verified Sufficiently Or Not Applicable - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 17 of 17 | XXXX | Credit | Asset 4 Less Than 2 Months Verified | Asset has less than 2 months verified in file. <br>|  | see attachments on other finding - XXXX<br>| Asset 4 Verified Sufficiently Or Not Applicable - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. If credit score is less than 700, cash out funds may not be used for reserves. A formal exception is in the loan file to allow the use of cash out funds as reserves. <br>|  |  |  | LTV below maximum required. Max LTV 50% | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. Per guidelines, if credit score is less than 700, then cash out funds cannot be used for reserves. If cash out funds are not used, then there are insufficient assets verified to support required reserves. <br>|  | Document Uploaded. attached is a copy of the correct matrices to use for S2 and SZ - an exception is also attached so that we can use the cash back for reserves. - XXXX<br>| Include cash out for reserves with a credit score less than 700 - A formal exception is in file. - XXXX<br>| Compensating factors used as LTV 5% below guideline maximum and 6 months reserves. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. A formal exception is located in the loan file for Foreign National loan with a DSCR ratio less than 1 <br>|  |  |  | Reserves exceeds minimum requirements. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | The prepayment rider states 36 month term in any 12 month period, The prepayment charge will equal the amount of Interest that would accrue during a six (6)-month period on the amount prepaid that exceeds 20% of the original principal balance of the Note equates XXXX. The originator used original principal balance which equates to XXXX also listed on the Final CD and PCCD. Review and update to Final CD is recommended. <br>|  |  | CD reflects the correct max prepayment amount - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Exception in file allowing loan to proceed without VOR/VOM. <br>|  |  |  | Compensating factors listed as Credit score 10 points higher than required, DTI below GL maximum, Self employed for more than 5 years, and Residual income of XXXX exceeds GL of XXXX. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. Borrower is a FTHB, per the guidelines the Max DTI for FTHB is 43%, but the audited DTI is XXXX% <br>|  | Document Uploaded. Please find the exception form and clear the condition. Thank you. - XXXX <br>Document Uploaded. Please find the income analysis worksheet and certification. Dti is now in line and loan qualifies. Please clear. Thank you. - XXXX<br>| Per guidelines IRS Form 1099-One of the following Business expense analysis methods: o90% Net Margin (10% Expense Factor) o3rd Party prepared P&L (CPA, EA, accountant, tax preparer). P&L to be signed and dated by the preparer on or before the closing date. Qualifying income is the 12 or 24 monthly average from the total number of 1099's minus the expense factor from the method chosen above. There is no 3rd party prepared P&L and using outside the guidelines for monthly avg. Approval XXXX% when FTHB living rent free. A formal exception is in file. - XXXX<br> Per guidelines IRS Form 1099-One of the following Business expense analysis methods: o90% Net Margin (10% Expense Factor) o3rd Party prepared P&L (CPA, EA, accountant, tax preparer). P&L to be signed and dated by the preparer on or before the closing date. Qualifying income is the 12 or 24 monthly average from the total number of 1099's minus the expense factor from the method chosen above.<br> There is no 3rd party prepared P&L and using outside the guidelines for monthly avg. Using option 1 factoring in 10% expense factor and using a 17 mo avg (XXXX). Updated income DTI XXXX%, still exceeds XXXX%. - XXXX | Compensating factors-Credit score 10pts > minimum required. XXXX. Reserves 2mos greater than required XXXX | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Second Home | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | The Initial Loan Estimate Disclosure Date (XXXX) is more than 3 business days from the Application Date (XXXX). Three business days from the Application Date is (XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (12 CFR 1026.19(e)(1)(iii)) The initial LE was not sent within three business days of the application date. <br>|  | Document Uploaded. - XXXX<br>| Received initial LE - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | Missing evidence Mortgage/Deed of Trust will be recorded | Missing evidence of Mortgage recording. <br>|  | Document Uploaded. - XXXX<br>| Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | Final Settlement Statement Missing. | The final Settlement Statement document is missing. <br>|  | Document Uploaded. - XXXX<br>| Final settlement statement has been received - XXXX<br>Final HUD-1 Document is not missing or estimated only. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Program Parameters - Property Type | The subject loan does not meet program parameters for property type. 2-4 family property with commercial zoning and a unit (unit #XXXX) of less than 400 square feet when guidelines require minimum 400 sq. ft. with residential zoning - A formal exception is in file. <br>|  |  |  | Compensating factors used were XXXX credit score, Reserves XXXX months, DSCR > XXXX, Experiences investor, and XXXX months as agreed mortgage history on all mortgages. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. The condo policy is insufficient to cover all units in project. A formal exception is located in the loan file. <br>|  |  |  | Credit score is greater than 10 points above minimum. LTV/CLTV is 5% or more below the maximum DTI is less than 40% | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Borrower appears to be a first time investor; guidelines require a 36 month housing history on the borrower's primary residence. Please provide a 36 month housing history. <br>|  | Document Uploaded. Please find the exception form. Thank you. - XXXX <br>Document Uploaded. - XXXX<br>| Borrower is not an experienced investor and requires 36 months housing history. A formal exception has been provided. - XXXX<br> Received correspondence from lender regarding the property located at XXXX. Per the fraud report, the borrower purchased this property on XXXX. Borrower does not appear to be an experienced investor with a one year history of owning and managing investment properties. Please provide a 36 month housing history for primary residence or evidence the borrower is an experienced investor. - XXXX | Loan approved based on XXXX months reserves,XXXX months primary housing history, FICO XXXX points higher than guideline maximum and demonstrated ability to manage credit. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Condo project does not meet guideline requirements <br>|  |  |  | Compensating factors are credit score 10+ points greater than minimum required. The CLTV is 10% or more below the maximum allowed under applicable guidelines. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. The borrower stated, on the final 1003, that her property located at XXXX is pending sale. Unable to locate a closing disclosure to verify the property has sold and borrower is not responsible for the PITIA on the property. <br>|  | Document Uploaded. I have added the insurance and taxes for the XXXX. 1008 is attached. There are no hoa dues for this property. Loan still qualifies at XXXX ratios. Please clear. Thank you. - XXXX <br> Document Uploaded. I have provided a letter from borrower's husband that she lives rent free at XXXX. Also, provided the hoi reflecting the XXXX mortgage noted. Per note, he is responsible for the mortgage payment. Even if insurance and taxes were included in the payment, the loan would qualify. Please clear. Thank you. - XXXX <br> Document Uploaded. - XXXX <br> Document Uploaded. - XXXX <br> Document Uploaded. Please find attached certification. The loan qualifies with inclusion of payment for XXXX. Thank you. - XXXX | Received satisfactory documentation - XXXX<br> Received Note indicating the borrower is not responsible for the mortgage payments, but the property tax document in the file indicates the borrower is an owner of XXXX. Please provide the hazard insurance policy and HOA (if applicable) to support a monthly property expense of XXXX. - XXXX<br> Lender re-calculated DTI including PITIA for XXXX. The file contains a tax certificate, but unable to locate evidence of hazard insurance and HOA (if applicable). Please provide the documents used to determine the PITIA of XXXX for the subject property. If the property is owned free and clear please provide evidence. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Provide mortgage statement on primary with payment XXXX Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. <br>|  | Document Uploaded. - XXXX<br>| Received explanation. Primary residence mortgage history already accounted for including approved exception. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Provide mortgage statement and update URLA with payment mortgage payment XXXX and mortgage payment XXXX is attached to what property? <br>|  | Document Uploaded. Hello, Please find the first payment letters for XXXX unit XXXX and XXXX unit XXXX. Both XXXX mortgages have been included and ratios are in line. Please see the updated 1003 and 1008. XXXX #XXXX, XXX associated withXXXX—(3C) and XXXX #XXXX, XXXX6 associated with XXXX). Please clear the condition. Thank you. <br>- XXXX | Received explanation and confirmed the original 1003 reflected the below-mentioned properties as owned free & clear and now corrected 1003 reflects the updated mortgage information. DTI was already calculated including the new mortgages and is within guideline requirements. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Credit | Liabilities - Not Verified | The application lists debts that were not verified on the credit report and not independently verified. Provide tax and insurance documentation to support monthly payment XXXX as used in DTI. <br>|  | Document Uploaded. - XXXX<br>| Received hazard insurance for primary residence and revised 1003. PITIA components based on documentation received plus documentation already in file is the following: XXXX XXXX = XXXX. DTI still within guideline requirements. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Per credit report, there were two 30-day delinquent occurrences within the previous 12 months when guidelines require 0x30 payment history within the previous 12 months on all mortgaged properties owned: XXXX #XXXX 1x30-12/2024 payment, XXXX #XXXX 1x30-3/2025 payment - A formal exception is in file. <br>|  |  |  | Compensating factors used were High FICO credit score, Low debt to income ratio, and High residual income. | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | DSCR does not meet Guidelines | The subject DSCR does not meet guideline requirements. The audited DSCR is XXXX based on 120% of current lease (XXXX x 120% = XXXX). Guidelines cite if the long-term market rent exceeds the lease amount by more than 120%, the long-term rent will be capped at 120% of the lease amount. Please provide a formal exception form. <br>|  | Document Uploaded. Please find the investor approval exception. Please clear the condition. Thank you. - XXXX<br>| The audited DSCR is XXXX. The minimum DSCR score allowed is .75. A formal exception has been provided. - XXXX | Loan approved based on XXXX% LTV, rental history, credit score of XXXX, favorable prior mortgage history and XXXX months of reserves | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 4350117149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Condo project does not meet guidelines. Formal approved exception in file. <br>|  |  |  | Compensating factors listed as FICO >800 and 60 mos reserves. | XXXX | Waived | 2 | 2 | 2 | 2 |
| XXXX | 4350117150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 4 | XXXX | Credit | Assets - Authorization Access for Joint Account | The file does not contain authorization access for funds from joint account holder. Borrower 2 is joint account holder with XXXX onXXXX account #XXXX, unable to locate access letter. <br>|  | Document Uploaded. Please find a certification indicating a full access letter is not required (per guidelines). Please clear. Thank you. - XXXX<br>| documentation meet guideline requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 4 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 4 | XXXX | Credit | Hazard Insurance Policy is Missing | Missing hazard insurance policy. Unable to locate the Hazard Insurance policy in the loan file, only the Hazard insurance application was provided. Has binder effective date XXXX, but no information in regards to actual term of policy. <br>|  | Document Uploaded. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117151 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117151 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117151 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Missing letter of explanation | Per business bank statements, three NSF occurrences with the past 12 months. NSF activity in the past 12 months must be satisfactorily explained by the borrower per guideline requirements. <br>|  | Document Uploaded. Attached is the exception review form. - XXXX<br>| NSF activity with no borrower explanation - A formal exception is in file. - XXXX<br>| Compensating factors used were XXXX% DTI, XXXX disposable income, 5 years employment, and XXXX months reserves. | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXX' are less than XXXX. Short reserves due to not verifying the initial deposit of XXXX <br>|  | The EMD was refunded to the borrower; this showed on the CD dated XXXX under section K and on the PCCD dated XXXX under the same section. - XXXX | Total Cash reserves are greater than XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | Assets - Insufficient Cash to Close or Reserves | Liquid Funds Post-Close of '$XXXX', are less than XXXX. Borrower(s) total verified assets are insufficient for cash to close or reserves. Short liquid reserves due to not verifying the initial deposit of XXXX <br>|  | The EMD was refunded to the borrower; this showed on the CD dated XXXX under section K and on the PCCD dated XXXX under the same section. - XXXX | Liquid Funds Post-Close are greater than or equal to XXXX. - XXXX<br>Liquid Funds Post-Close are greater than or equal to XXXX. Borrower(s) total verified assets are insufficient for cash to close or reserves. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. <br>|  | The EMD was refunded to the borrower; this showed on the CD dated XXXX under section K and on the PCCD dated XXXX under the same section. - XXXX | Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | Per input in LM 5%/12 mos/20% of original UPB prepayment penalty calculates to XXXX vs final CD • As high as XXXX if you pay off the loan during the first<br> year  |  | Document Uploaded. UPDATED PCCD IS ATTACHED. - XXXX<br>| Received corrected CD - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Compliance | The Final 1003 is Incomplete | The final 1003 is incomplete. Final 1003 dated XXXX is not filled out completely. Missing mortgage information for subject property XXXX and primary residence XXXX. <br>|  | Document Uploaded. Updated 1003 is attached. - XXXX<br>| Received completed loan application - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. No letter/confirmation in file confirming no HOA dues on primary XXXX and XXXX<br>|  | Document Uploaded. HOA fees are XXXX per that field being blank in all instances in the submitted file. Further, borrower DTI is just over XXXX% with income > XXXXk/mo, meaning this is a non issue and should be cleared and attached is the mtg statement for XXXX that was in file under Non-Subject REO - XXXX | documentation meet - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing <br>|  | No need for GAP report since the credit report is dated 07/21 and our docs date is 07/24. - XXXX<br>| explanation meet requirements - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4350117154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Credit | Approval/Underwriting Summary Deficient | Approval/Underwriting Summary is deficient. 1008 in file not final. 1008 in file is including the REO property XXXX 1st mortgage twice...counted as 2nd mtg on primary and rental loss in DTI. <br>|  | Document Uploaded. Updated 1008 is attached. - XXXX<br>| Approval/Underwriting Summary is fully present - XXXX<br>documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Missing proof of taxes, HOA, and insurance for XXXX. <br>|  | Document Uploaded. Hello, this is a coop. Maintenance dues uploaded. No insurance or taxes as this is a coop. Thank you. - XXXX<br>| Received explanation with coop documentation to support monthly payment. XXXX confirms property is a cooperative. Documentation supports PITIA figure used in qualifying. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 8 | XXXX | Compliance | The Note is Missing | The Note is missing. <br>|  | Document Uploaded. Please find the executed note. Thank you. - XXXX<br>| Received note - XXXX<br>The Note has been provided. - XXXX<br>| The Note could not be found in the loan documents. | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 8 | XXXX | Compliance | The Deed of Trust is Missing | The Deed of Trust is missing. The Deed of Trust could not be found in the loan documents. <br>|  | Document Uploaded. - XXXX<br>| Received DOT - XXXX<br>The Deed of Trust has been provided. - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 8 | XXXX | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. The reviewer's income was much lower than what the underwriter calculated. Per the guidelines is personal account statements will be used then 2 months of business statements must be provided to support the business transfers. It appears that possibly the other personal account statements #XXXX and #XXXX are being considered the business accounts. However, in that case only transfers or deposits from the business accounts are eligible deposits plus ATM deposits if they are consistent. The mobile deposits are very inconsistent. The income worksheet does not appear to be in line with the 1008 and does not have a detailed breakdown of the excluded deposits. These would be needed to determine the exact figures that were used and clarify any discrepancies. Explanation provided is sufficient. <br>|  | Document Uploaded. Please see the attached certification. Loan qualifies with the lower income. Thank you. - XXXX<br>| Client accepted higher DTI as within 50% DTI guidelines. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 8 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 8 | XXXX | Compliance | TRID: Missing Final Closing Disclosure | The loan file does not contain the Final Closing Disclosure. Final CD is missing. there is a PCCD on page 350 <br>|  | Document Uploaded. Please find the signed final signed CD. Thank you. - XXXX<br>| Received FCD - XXXX<br>TRID: Final Closing Disclosure Provided - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 6 of 8 | XXXX | Compliance | Lender Credits That Cannot Decrease Test (XXXX) |  |  |  | Set in error - XXXX<br>Resolved - XXXX<br>|  | XXXX | Void | 1 |  | 4 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 7 of 8 | XXXX | Compliance | Lender Credits That Cannot Decrease Test (Fees-Limited) |  |  |  | Set in error - XXXX<br>Resolved - XXXX<br>|  | XXXX | Void | 1 |  | 4 | 1 |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 8 of 8 | XXXX | Compliance | Federal - Loan Estimate Disclosure Date on or after Closing Disclosure Date |  |  |  | Set in error - XXXX<br>Resolved - XXXX<br>|  | XXXX | Void | 1 |  | 4 | 1 |
| XXXX | 4350117157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Borrower 2 3rd Party VOE Prior to Close Missing | Borrower 2 3rd party VOE prior to close missing. No VOE for XXXX. <br>|  | Document Uploaded. attached - XXXX<br>| Borrower 2 3rd party VOE prior to close was provided. (Number of Borrowers equals 2) - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). Title coverage of XXXX is less than the loan amount of XXXX. Missing supplement report, Closing Protection letter and/ or Final Title Policy. <br>|  | Document Uploaded. - XXXX<br>| Title commitment provided details sufficient XXXXk title insurance. - XXXX<br>Title coverage amount of XXXX000 is equal to or greater than total amount of subject lien(s) XXXX000+0+0 - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Assets - Earnest Money Deposit | The earnest money deposit was not properly documented and/or sourced. Missing source and verification of deposit for EMD of XXXX per Final CD. <br>|  | Document Uploaded. From the attachments, it appears XXXX was netted from a XXXX wire from a 1031 exchange. Please see attached. Thank you. - XXXX<br>| Confirmed to attached documentation. Finding has been resolved. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Program Parameters - Guidelines Conformity | The subject loan does not conform to program guidelines. The loan file contains an exception for a first time investor with a DSCR of XXXX, but the audited DSCR is XXXX. Please provide an updated formal exception with the correct DSCR score. Note: lenders PITIA for subject is XXXX and the rental income from the 1007 is XXXX. <br>|  | Document Uploaded. - XXXX<br>| DSCR is XXXX for a first time investor. A formal exception has been provided for DSCR < XXXXx for first time investor. - XXXX | Loan approved based on good FICO of XXXX, 75% LTV and no mortgage lates in recent 12 months for primary residence | XXXX | Waived | 3 | 2 | 3 | 2 |
| XXXX | 4350117160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 6 | XXXX | Property | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Loan purpose is purchase and valuation type of purchase contract has not been selected. Unable to locate the Purchase Contract in the loan file. <br>|  | Document Uploaded. - XXXX<br>| Received sales contract. - XXXX<br>Purchase Contract Doc is not Missing, or is Not Applicable. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 6 | XXXX | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. The Hazard Insurance Policy is missing the Policy number <br>|  | Document Uploaded. Hello please find the updated hazard insurance policy with the policy number. Thank you. - XXXX<br>| Received updated evidence of insurance including the policy number. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 6 | XXXX | Compliance | XXXX - Subprime Home Loan (First Lien)(XXX) | This is a XXXX "subprime home loan." The loan's current APR (XXXX%) exceeds the XXXX Subprime Home Loan threshold of (XXXX%) by (0.015). The threshold is determined by adding 1.75 points to the comparable XXXX PMMS rate. (XXXX 6-m(1)(c)) Loan tests as a XXXXSubprime loan. <br>|  | Document Uploaded. Please find the updated Compliance report; passing XXXX Subprime test. It matches the PCCD. The PCCD shows the Lender Credit applied to the Prepaid Interest for XXXX in order to pass the XXXX Subprime test. Please clear the condition. Thank you. - XXXX | Received PCCD re-allocating lender credit to clear finding - XXXX<br>Resolved - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 6 | XXXX | Credit | Income - Income Documentation Missing | The loan file did not contain the required income documentation. Missing Business Narrative. The loan was qualified under the bank statement program using business bank statements. <br>|  | Document Uploaded. - XXXX<br>| Received updated XXXX guidelines which omits the Business Narrative requirement for the fixed expense ratio 50% option for calculating business bank statement income. - XXXX<br> Received explanation and request for waiver. The Business Expense Statement Letter option of the bank statement program is not applicable for this loan as a Business Expense Statement Letter was not provided for review. Two tax preparer letters were provided, neither of which addressed the business expenses of the business. Since no Business Expense Statement Letter was provided, the default 50% fixed expense ratio would apply which requires as part of that option to provide a Business Narrative Letter. Second, the format of the guideline excerpt provided does not match the guideline revision we are in receipt of. Please provide complete guideline set for XXXX program. Loan was reviewed against the XXXX revision. - XXXX |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 5 of 6 | XXXX | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited reserves months are less than the guideline required reserve months. Guidelines require 12 months PITIA with LTV over XXXX%, and XXXX months PITIA is documented.  |  |  | Borrower's qualifying income is XXXX monthly. Guidelines define large deposit as over 50% of borrower's qualifying income. Based on this information, deposits that exceed XXXX would have to be explained, which is not the case here. Adjusted account balance back to XXXX as of XXXX per Transaction History. - XXXX<br>Audited Reserves of month(s) are greater than or equal to Guideline Required Reserves of month(s) - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 6 of 6 | XXXX | Credit | Cash reserves less than required by guidelines | Total Cash reserves of '$XXXX' are less than XXXX.  |  |  | Total Cash reserves are greater than XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 1 of 4 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Unable to locate a 10-day VVOE <br>|  | Document Uploaded. Please see the verbal voe for borrower. Please clear. Thank you. - XXXX<br>| VOE is sufficient - XXXX<br>Borrower 1 3rd Party VOE prior to close was provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 4350117162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 2 of 4 | XXXX | Property | Property Issue - Condo Ineligible | The subject condo project is ineligible. Condo is non-warrantable due to ongoing litigation due a construction defect. HOA confirms project at the time of questionnaire completion was subject to safety and structural integrity issues. Repairs have been completed and Reserves current balance is XXXX while amount of claim is showing a maximum amount of XXXX. No Attorney Letter is available to provide evidence that the Insurance is covering this claim however, there are sufficient funds available if needed. XXXX (unit owner) is the plaintiff and the Builder/HOA are the defendants in the case. An exception approval in the file. <br>|  |  |  | Credit Score is 50 points greater than the minimum required-XXXX. Residual income is more than 1.5x the amount required by guidelines. All mortgages 0x30x36. Experienced investor owns and manages 2 or more properties for over 12 months | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 3 of 4 | XXXX | Credit | Income - General | The loan file reflected additional income issues. The originator averaged the 2024 bonus income over 24 months due to no bonus paid yet in 2024 rather than doing a variable income calculation. Exception approval in file. <br>|  |  |  | Credit Score 50 points > minimum required-XXXX. Residual income is more than 1.5x the amount required by guidelines. All mortgagesXXXX. Experienced investor owns and manages 2 or more properties > 12 months | XXXX | Waived | 2 | 2 | 3 | 2 |
| XXXX | 4350117162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | 4 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 4350117163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Credit | XXXXhip Documentation Not Provided | Borrower 1 XXXXhip Documentation is missing from the file. <br>|  | Hello Please find the USA Patriot Act Disclosures for the borrowers. Please clear. thank you. - XXXX <br>Document Uploaded. Please see the attached 1003. The borrower is a US Citizen (first page). Please clear. Thank you. - XXXX<br>| Documentation provided is sufficient. - XXXX<br>To clarify, the document needed is identification for the borrower, with either a driver's license, passport, or patriot act form, etc. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Credit | DTI - Missing Debts/ DTI Exceeds Tolerance | The DTI did not reflect all of the borrower's debts resulting in a DTI that exceeds allowable tolerances. The final 1008 in the file reflects other monthly debts of XXXX, however file documentation and 1003 appear to support a total of XXXX. The solar agreement in the file does not reflect a monthly payment, other than electricity. Please provide documentation to support the monthly debts resulting in the DTI of XXXX%. <br>|  | Hello, Here is the breakdown of debt:. Monthly credit debt XXXX, Housing for XXXX of XXXX (no mortgage-only taxes and insurance), subject pitia XXXX. <br> XXXX + XXXX + XXXX=XXXX<br> Total income XXXX<br> Back end ratio: XXXX/XXXX=XXXX%<br> Please accept the breakdown. Loan still qualifies. Thank you. - XXXX | Although lender's monthly liabilities are higher than audit, DTI is still within guidelines. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 5 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Unable to locate the Verbal Verification of Employment (VVOE) completed within 10 business days of closing for XXXX employment. Please provide the VVOE. <br>|  | Document Uploaded. VOE IS ATTACHED. - XXXX<br>| Received VVOE - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 5 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate documentation supporting the housing expense of XXXX for the property located at XXXX. Please provide evidence of the XXXX expense. <br>|  | Document Uploaded. attached is the revised 1003 removing XXXX as it was incorrectly added to the application; attached also the mortgage statement to show the taxes and the insurance that are included already in the monthly payment. - XXXX<br>| Received satisfactory documentation - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 5 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 5 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 5 | XXXX | Credit | Corporation/LLC: Certificate of Good Standing Doc is Missing | The loan file does not contain the Corporation/LLC: Certificate of Good Standing. Unable to locate the Certificate of Good Standing for XXXX and a Certificate of Authorization for the person executing all documents on behalf of XXXX. <br>|  | Document Uploaded. Certificate of Authorization - XXXX <br>Document Uploaded. attached are certificate of formation and certificate of good standing. - XXXX<br>| Received satisfactory documentation - XXXX<br> Lender provided a Certification of Formation for the LLC, but this does not satisfy the Certificate of Authorization for the person executing all documents on behalf of XXXX. Please provide an executed Certificate of Authorization for the person executing all documents on behalf of XXXX. Note: The Certificate of good standing for the LLC has been satisfied. - XXXX |  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Assets - Authorization Access for Joint Account | The file does not contain authorization access for funds from joint account holder. The account with XXXX CU is in another person's name. Documentation showing that the borrower is an owner of this account is missing from the loan file. <br>|  | Document Uploaded. Please see that the XXXX CU account is actually in both borrower and other partys' name (appears to be spouse). Please see the EMD check with both borrower/spouse's name and printout where emd cleared. Please clear as the check shows account is in joint names. Thank you. - XXXX |  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 4 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 4 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 4 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Verification of business existence required within 10 business days of closing is missing. <br>|  | Document Uploaded. CPA letter is attached dated 07/24 - within 10 business days of closing. - XXXX<br>| Borrower 1 3rd Party VOE prior to close was provided. - XXXX<br>CPA letter dated XXXX for business active provided within 10 business days. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 4 of 4 | XXXX | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Per guideline less than 12 month history, it still requires VOR/VOM OR 12 months of cancelled checks or bank statements must be obtained for all months available reflecting paid as agreed. Rental Ledger shows non borrower name XXXX. The bank statements provided only show 2 months June and July rent paid from borrowers account. Missing Lease agreement that shows borrower is a tenant on the lease to verify ledger belongs to our borrower. <br>|  | Document Uploaded. Attached are the processor cert. explaining the payments of the rent along with all months of payments from the borrower's account. - XXXX<br>| Bank statements show borrower pays the rent to XXXX PR every month. We have 12+ payments verified. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Credit | Business Purpose - Loan Guaranty/Missing | The Personal Loan Guaranty is missing. Missing loan Guaranty <br>|  | Document Uploaded. Attached. - XXXX<br>| Loan guaranty has been received - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 2 |
| XXXX | 4350117172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | 4350117172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 2 |
| XXXX | 4350117172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Credit | Audited Loan Amount is less than Guideline Minimum Loan Amount | Audited loan amount is less than the guideline Minimum loan amount. The loan amount is XXXX, but the guideline minimum is XXXX. Please provide the exception or the updated approval to reflect the correct guidelines used in the approval. <br>|  | Document Uploaded. updated exception letter is attached. - XXXX <br>Document Uploaded. Exception form is attached. - XXXX<br>| Received the updated exception - XXXX<br> The exception has been received, but the compensating factors reflect the LTV as N/A and the DTI of XXXX. The loan is DSCR and DTI is not required. Please provide the updated exception. - XXXX | LTV of XXXX. XXXX months of reserves. | XXXX | Waived | 3 | 2 | 4 | 2 |
| XXXX | 4350117172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. Please provide the loan approval or updated 1008 reflecting the program/lender used in the approval. <br>|  | Document Uploaded. CTC is attached. - XXXX<br>| Approval has been provided - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | 4350117172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Credit | Credit Documentation - Letter of Explanation | The loan file did not contain a letter of explanation as required. The letter explaining the reason for the cash out is missing from the loan file. <br>|  | Document Uploaded. LOE is attached. - XXXX<br>| documentation has been received. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 2 |
| XXXX | 4350117173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | Missing Loan Term Sheet | The loan file either does not contain the Loan Term Sheet or other issues were noted. Please provide the approval that reflects the program and lender used in the approval. <br>|  | Document Uploaded. Lender approval is attached. - XXXX<br>| Approval has been received - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Missing Loan Term Sheet | The loan file either does not contain the Loan Term Sheet or other issues were noted. The loan approval, including the program details and lender information, is missing from the loan file. <br>|  | Document Uploaded. Lender approval is attached. - XXXX<br>| approval has been received - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Missing Loan Term Sheet | The loan file either does not contain the Loan Term Sheet or other issues were noted. The loan approval, including the program details and lender information, is missing from the loan file. <br>|  | Document Uploaded. Lender approval is attached. - XXXX<br>| approval has been provided. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Credit | Missing Loan Term Sheet | The loan file either does not contain the Loan Term Sheet or other issues were noted. The loan approval, including the program details and lender information, is missing from the loan file. <br>|  | Document Uploaded. Lender approval is attached. - XXXX<br>| Approval has been received. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 6 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 6 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 4 | 1 |
| XXXX | 4350117180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 6 | XXXX | Compliance | Final CD: Prepayment Penalty is missing or inaccurate | Per final CD prepayment penalty XXXX. Based on inputs/calculation 5% 1st & 2nd yr/24 mos/ exceeds 20% of original principal calculates to XXXX.  |  | Document Uploaded. UPDATED PCCD IS ATTACHED. - XXXX<br>| Received updated PCCD. Finding resolved - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 4 of 6 | XXXX | Credit | Evidence of Property Tax Missing | Missing evidence of property tax. no documentation in file to validate subject property tax <br>|  | Document Uploaded. property taxes doc is attached. <br> - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 5 of 6 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Missing tax documentation to validate tax amount for REO XXXXe. Escrow amounts on the final CD are estimate for this property, we have in file the HOI documentation, but no tax documentation. <br>|  | Document Uploaded. Property taxes for XXXX is attached. <br> - XXXX<br>| documentation meet requirements - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 4 | 1 |
| XXXX | 4350117180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 6 of 6 | XXXX | Credit | Borrower 1 Gap Credit Report is Missing | Borrower 1 Gap Credit Report is Missing A gap credit report from at least one of three major national credit repositories (XXXX) is required within 10 business days of closing. In cases where a gap report is not received prior to closing, the report may be obtained within 30 days of closing excluding investment property transactions. Evidence of an active Debt Monitoring Service is acceptable in lieu of a gap credit report. The Debt Monitoring Service must be in effect within 10 days of closing. If written evidence cannot be provided, a processor cert or lender attestation stating no new debts are present is allowed. <br>|  | we don't need GAP report; credit report is dated 07/31 and we closed on XXXX - this is 9 business days; there is no need for GAP report. - XXXX<br>| explanation meet requirements - XXXX<br>|  | XXXX | Resolved | 4 | 1 | 4 | 1 |
| XXXX | 4350117181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Compliance | The Final Closing Disclosure contains errors | It appears the Final Closing Disclosure has an error with the calculation of the projected payments. The principal and interest do not match the loan terms as well as the estimated escrow. Please provide an updated Closing Disclosure reflecting the correct projected payments. <br>|  | Document Uploaded. Updated PCCD is attached. - XXXX<br>| PCCD received with corrections which is sufficient. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Credit | Title Coverage is Less than Subject Lien(s) Total | Title coverage is less than total amount of subject lien(s). The title coverage is XXXX. The loan amount is XXXX. The Closing Protection Letter reflects a loan amount of XXXX. Please provide a title supplement with the updated coverage or an updated Closing Protection Letter. <br>|  | Document Uploaded. Updated CPL is attached. - XXXX<br>| Received a Closing Protection Letter with a loan amount of XXXX. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 2 of 3 | XXXX | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | 3 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 1 | 1 |
| XXXX | 4350117184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. Unable to locate the HOA statements for XXXX and XXXX. Please provide the HOA statements. <br>|  | Document Uploaded. HOA fees are XXXX per that field being blank in all instances in the submitted file. Further, borrower DTI is just over XXXX% with income > XXXXk/mo, meaning this is a non issue and should be cleared and attached is the mtg statement for XXXX that was in file under Non-Subject REO also page of the appraisal for XXXX shows 0 HOA. - XXXX | Lender did not provide HOA statements, but using the maximum amounts listed on the fraud report to qualify. - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 4350117185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 1 of 3 | XXXX | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd party VOE prior to close missing. Per guidelines, for self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 10 business days of closing. The loan file should reflect the documentation secured from these sources. Sources may include: CPA, regulatory agency, or applicable licensing bureau; Secretary of State listing reflecting current year registration;or Verification of a phone and address listing using the internet. This documentation is missing from the loan file. <br>|  | Document Uploaded. - XXXX <br> Document Uploaded. This meets the guideline, this is pulled directly from the internet to show her license is still active, we also have proof of deposits into her account from the employers on XXXX and XXXX which are within 10 days of closing. - XXXX <br> Document Uploaded. License is attached. <br> - XXXX | Screen shot with date stamp is sufficient. - XXXX<br>Document Uploaded. - XXXX<br>Per guidelines, for self-employed borrowers, the existence of the business must be independently verified through a disinterested third party within 10 business days of closing. The loan file should reflect the documentation secured from these sources. Sources may include: CPA, regulatory agency, or applicable licensing bureau. Secretary of State listing reflecting current year registration. Verification of a phone and address listing using the internet, if the documentation is over 30 days old, a processor's certification verifying employment with the CPA is acceptable. An updated Secretary of State listing or phone and address listing from the internet are also acceptable. The documentation provided is not dated. Please provide a source of verification based on the guideline requirements listed above. - XXXX<br>Documentation provided is dated XXXX which is not within 10 days of closing - XXXX<br>|  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 2 of 3 | XXXX | Credit | Income - Unsupported Alimony/Child Support | Alimony and/or child support was considered as an effective source of income but sufficient supporting documentation was not found in the file. Alimony income was used in the loan approval. Per guidelines, documentation must be provided to evidence receipt of the most recent six months of payments through copies of deposit slips, canceled checks, and/or bank statements. The loan file includes documentation of alimony payments of XXXX received on XXXX, XXXX, and XXXX; however, the full six-month history is not included. Please provide documentation supporting the complete six-month payment history. <br>|  | Document Uploaded. 6 months are attached with a proof of the name of the company owned by XXXX - XXXX<br>|  |  | XXXX | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 4350117185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Primary Residence | Purchase | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | 3 of 3 | XXXX | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | XXXX | Cleared | 1 | 1 | 3 | 1 |

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## Exhibit 99.28

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.28**

![](maxwell-logo.jpg)

Client Lone Star <br> Transaction COLT 2025-10 <br> Date 09/15/2025

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Mapped ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXXX | 4350117046 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117047 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117048 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117049 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117050 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 3 | 1 C A |
| XXXX | 4350117051 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117052 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117053 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117054 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117055 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 4350117056 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 4350117057 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117058 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117059 | XXXX |  |  | XXXX | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117060 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117061 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117062 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117063 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 4350117064 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117065 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117066 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117067 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117068 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117069 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117070 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117071 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117072 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117073 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117074 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117075 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117076 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117077 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117078 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117079 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117080 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117081 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117082 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117083 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 4350117084 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117085 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117086 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 4350117087 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117088 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117089 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117090 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117091 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117092 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117093 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117094 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117095 | XXXX |  |  | XXXX | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 D B A |
| XXXX | 4350117096 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117097 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117098 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 C A |
| XXXX | 4350117099 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117100 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 3 | 1 C B A |
| XXXX | 4350117101 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117102 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117103 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117104 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117105 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117106 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117107 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117108 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117109 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 3 | 2 C B A |
| XXXX | 4350117110 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117111 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117112 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117113 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117114 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117115 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117116 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117117 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117118 | XXXX |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 4350117119 | XXXX |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 3 | 1 D A C |
| XXXX | 4350117120 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117121 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117122 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117123 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117124 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117125 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117126 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117127 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117128 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117129 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 4350117130 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117131 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117132 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117133 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117134 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117135 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 4350117136 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117137 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 D A C |
| XXXX | 4350117138 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXXX | 4350117139 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | 4350117140 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117141 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | 4350117142 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117143 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117144 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117145 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117146 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117147 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117148 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117149 | XXXX |  |  | XXXX | XXXX | 2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 B A |
| XXXX | 4350117150 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117151 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117152 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117153 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117154 | XXXX |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 3 | 1 | 1 | 1 D A C |
| XXXX | 4350117155 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117156 | XXXX |  |  | XXXX | XXXX | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 D A C |
| XXXX | 4350117157 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117158 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117159 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117160 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXXX | 4350117161 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 3 | 1 C A |
| XXXX | 4350117162 | XXXX |  |  | XXXX | XXXX | 3 | 2 | 3 | 2 | 1 | 1 | 2 | 2 C B A |
| XXXX | 4350117163 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117164 | XXXX |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117165 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117166 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117167 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117168 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117169 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117170 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117171 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117172 | XXXX |  |  | XXXX | XXXX | 4 | 2 | 4 | 2 | 1 | 1 | 1 | 1 D B A |
| XXXX | 4350117173 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 4350117174 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 4350117175 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 4350117176 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 D A |
| XXXX | 4350117177 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117178 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117179 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117180 | XXXX |  |  | XXXX | XXXX | 4 | 1 | 4 | 1 | 3 | 1 | 1 | 1 D A C |
| XXXX | 4350117181 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |
| XXXX | 4350117182 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117183 | XXXX |  |  | XXXX | XXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A |
| XXXX | 4350117184 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXXX | 4350117185 | XXXX |  |  | XXXX | XXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A |

---

## Exhibit 99.29

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.29**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Mapped ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 4350117046 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117047 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117048 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117049 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117050 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117051 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117052 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117053 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117054 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117055 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117056 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117059 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117061 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117062 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117063 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117064 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117066 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117067 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117068 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117069 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117070 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117071 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117072 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117075 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117076 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117077 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117078 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117080 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117081 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117082 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117083 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117084 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117085 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117086 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117087 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117089 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117091 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117092 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117094 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117095 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117096 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  |  |  | XXXX | 250000 | 0.04 | XXXX | 1025 Small Residential Income Report | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117102 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX | 9000 | 0.0174 | 90 | 0.1 | Other | CA IAVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117103 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117105 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117106 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117107 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX | -194000 | -0.2097 | 91 | 0.09 | Other | CA IAVM | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117109 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117111 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117113 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117114 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117115 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117116 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117118 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117119 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117120 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117122 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117123 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117125 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117126 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117127 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117128 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117129 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117130 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117137 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117138 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117139 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117141 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117142 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117144 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117146 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117147 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117150 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117151 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117154 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117155 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117157 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117158 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117159 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117160 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117161 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117163 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117164 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117165 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117166 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117167 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117169 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117170 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117173 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117176 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117177 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117179 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117180 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117184 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR |  |  |  |  | XXXX | 350000 | 0.1094 | XXXX | 1004 URAR | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| XXXX | 4350117185 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review |  |  |  |  | XXXX |  |  | XXXX |  | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

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## Exhibit 99.30

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.30**

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| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Mapped ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350117046 | XXXX | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | 4350117054 | XXXX | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | 4350117054 | XXXX | XXXX | XXXX | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | 4350117055 | XXXX | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX | 4350117055 | XXXX | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | 4350117061 | XXXX | XXXX | XXXX | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX | 4350117061 | XXXX | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 4350117062 | XXXX | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 4350117063 | XXXX | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 4350117066 | XXXX | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | 4350117069 | XXXX | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 4350117071 | XXXX | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 4350117072 | XXXX | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 4350117072 | XXXX | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX | 4350117073 | XXXX | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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| XXXX | 4350117185 | XXXX | XXXX | XXXX | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.31

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.31**

![](ex9931001.jpg)

COLT 2025-10

Lone Star Residential Acquisitions, LLC.

Opus Capital Markets Consultants, LLC

300 Tri-State International – Suite 320 \| Lincolnshire, IL 60069 \| <u>www.opuscmc.com</u> \| 224.632.1300

**Executive Narrative**

**September 18, 2025**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

The report summarizes the results of a due diligence review performed on a pool of 19 loans, of which were purchased by Lone Star Residential Acquisitions, LLC. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed compliance and credit review of all loans.

As detailed herein, the pool contains five (5) Non-QM loans and fourteen (14) ATR/Non-QM Exempt loans, of which eight (8) are DSCR loans. All loans were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

<u>EXHIBIT A</u>

**Credit Review**

**Credit Qualification**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and
 asset verifications pursuant to Client provided underwriting guidelines.

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

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided
 underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by
 the loan underwriter at origination to determine compliance with Client provided underwriting
 guidelines and regulatory requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
 ratio were accurate at origination and meet Client provided underwriting guideline and
 regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
 credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client
 provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented
 and reasonable.

**Document Review**

**Document Review**<br>

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

**a) Collateral Docs**

● 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.

● 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.

● 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.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.<br>

**b) Closing Docs**

● 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.

● 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.

● 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.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

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

● 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.

● 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.

● 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.

● 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.

● 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.

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

● 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.

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

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material"<sup>1</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act
 ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented
 by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced
 Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
 provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented
 by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA
 Integrated Disclosure ("TRID") Rule, TRID will be reviewed in accordance
 with the SFA TRID Grid 4.0, as amended from time to time, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For
 Right of Rescission

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

<sup>1</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

&nbsp;&nbsp;&nbsp;&nbsp;&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. This
 review is also to be performed on transactions that are exempt from the rescission requirement
 but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. 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. Consultant will note in the
 condition whether there was a new advance that is subject to rescission per TILA/Regulation
 Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business days of application and seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID Rules. (If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations will be based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; iv. Review the required sections of each CD to ensure they were populated in accordance with the TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section
 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the
 TRID Rule; TRID will be reviewed in accordance with the SFA TRID Grid 4.0, as amended
 from time to time.

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

4. Confirmation
 that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer
 Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
 to Home Loan Applicant;

5. 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: the general Ability
 to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages
 (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified
 mortgages 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.; and
 Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f))
 In accordance with "Ability to Repay and Qualified Mortgage Review" description
 below;

6. The
 Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented
 by Regulation Z, 12 C.F.R 1026.36;

7. The
 requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R.
 1026.35;

8. The
 appraisal and valuation requirements of TILA and the Equal Credit Opportunity Act, as
 implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The
 counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k)
 and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The
 escrow requirements of TILA and RESPA, as implemented by Regulation Z, 12 C.F.R 1026.35,
 and Regulation X, 12 C.F.R 1024.17, respectively;

11. The
 disclosure requirements and prohibitions of any applicable state, county and municipal
 laws and ordinances, as amended, that have been enacted to regulate so-called "predatory
 lending":

12. Consultant
 shall confirm that any mortgage property located in an area identified on a flood hazard
 map or flood insurance rate map issued by the Federal Emergency Management Agency as
 having special flood hazards is subject to a qualified flood insurance policy that appears
 to be is in effect.

13. For
 any loans designated as TILA exemption, Consultant shall review the loan file for evidence
 that the primary purpose of the loan was for commercial or business purposes, including,
 but not limited to a business purpose certification.

14. Documentation.
 Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final
 HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1
 is marked 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;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There
 should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&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. HUD-1
 is signed by all parties (including closing agent) or stamped certified by the closing
 agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If
 HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent;
 if the stamp does not contain the signature or initials, it must identify the name of
 the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Loan Estimate in will be considered delivered based on the date issued, subject to the
 three-day mailing rule unless the file contains documentation indicating earlier receipt.
 The loan file may contain one or more Loan Estimates with the latest one provided up
 until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing
 Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Closing Disclosure in the loan file will be considered delivered based on the date issued,
 subject to the three-day mailing rule unless the file contains documentation indicating
 earlier receipt. The loan file may contain one or more Closing Disclosures with the latest
 one provided up until the consummation date being considered the Final with any delivered
 post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice
 of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial
 TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
 Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third
 Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third
 party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing
 Disclosure, must be shown as paid to the third-party provider. A condition must be set
 if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT
 will condition for evidence in the file indicating that a charge on the HUD-1/Closing
 Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the
 face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure).
 Variations of less than $1 are deemed to be within reasonable limits and are not to be
 reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any
 refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing
 Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements
set forth in Regulation Z (12 C.F.R. 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM,

Rebuttable Presumption QM, Exempt). Consultant determines the loan's status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements of the revised general QM definition effective March 1, 2021.

2. For
 loans for which applications were received prior to July 1, 2021, if a loan was designated
 as QM and identified as eligible for guarantee, purchase, or insurance by an applicable
 agency as permitted under the QM final rule, Consultant reviews the loan to determine
 whether, based on available information in the loan file the loan satisfied (i), (ii)
 and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System
 output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance
 with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set
 forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether,
 based on available information in the loan file: (i) the loan contains risky loan features
 and terms (e.g. an interest only feature or negative amortization), (ii) the "points
 and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately. Consultant reviews to the applicable consider and verify requirements
 under the QM rule depending on whether the QM was originated under the original general
 QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 each QM designated loan that satisfied the applicable requirements enumerated above,
 Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by
 comparing the loan's actual annual percentage rate, as recalculated, to the applicable
 average prime offer rate plus a certain percentage. For QM designated loans originated
 under the revised general QM definition effective March 1, 2021, Consultant also determines
 whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ability to repay portion of the review for non-agency eligible loans only will focus
 on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible
 loans. The Consultant will review the loan file to determine if the creditor verified
 and considered each of the eight factors utilizing reasonably reliable third-party documentation
 at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current
 employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly
 payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly
 payments for property taxes and hazard/flood insurance and certain other costs related
 to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts,
 alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly
 debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 loans designated as agency eligible, Consultant will not review for compliance with the
 requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant
 reviews loans to determine their conformity with the ATR/QM factors above and is not
 rendering an independent assessment or analysis. Consultant's review is based on
 information contained in the loan file at the time it is provided to Consultant, and
 only reflects information as of that point in time and does not mean any regulator, judicial
 or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** <br>

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

and accurate data regarding the mortgage loans from loans originators and other third parties upon which Consultant is relying in reaching such findings.

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;**b)** **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.

**Additional Disclosures and Requirements:**

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

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

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

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

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ 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)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

● 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).

● 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)?

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

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

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

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

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

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

● District of Columbia Home Loan Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

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

● Idaho Residential Mortgage Practices Act, Idaho Code § 26-3101 et seq.

● Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10 et seq.

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

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

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

● Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101 et seq.

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

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

● Massachusetts High-Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

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

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

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

● New York High-Cost Home Loan Regulations, 3 NYCCR Part 41 (2001).

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

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

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

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

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

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

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

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

● City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter 2006-33, Ordinance No. 245.

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

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

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

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

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

● Loan is an extension of credit primarily for business, commercial or agricultural purposes

● 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

● Flood Insurance coverage for the residential real estate is provided by a policy that

&nbsp;&nbsp;&nbsp;&nbsp;a. Meets
 requirements

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

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

**Misrepresentation and Third-Party Review**<br>

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

1) Misrepresentation Review and Valuation Review

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

● 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.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● 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.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.<br>

**Independent Third-Party Values**

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

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

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

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● 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.

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

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

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**Data Compare**

Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

● Appraised Value

● CLTV

● DTI

● FICO

● Interest Only

● Interest Rate

● Loan Term

● Loan Purpose

● LTV

● Occupancy

● Original Balance

● Property Address

● Property City

● Property State

● Property Type

● Sales Price

● Second Mortgage Lien Amount

● Self Employed

● Units

● Zip Code

● Loan Type

● QM Status

**Rating Agency Grading Criteria**

**Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

**Opus Grading Criteria**

1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:

**Opus Credit Grades**

● Level 1 Credit Grade Definition: Loan was originated in accordance with the mortgage loan originator underwriting guidelines without exception.

● 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.

● 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.

**Opus Property Grades**

● 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.

● 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.

● Level 3 Property Grade Definition: Property value does not appear to fall within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing material documentation.<br>

**Opus Compliance Grades**

● Level 1 Compliance Grade Definition: Loan complies with all applicable laws and regulations reviewed under the applicable scope of work.

● 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.

● Level 3 Compliance Grade Definition: Loan is not in compliance with laws and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION**

● Borrower Name

● Co-Borrower Name

● SSNs

● Property Address, City, County, MSA, Zip

● Mailing Address

● Account Number, including Originator and Servicer Loan Number

● Origination Date

● Names of Borrowers or any other Individuals

● Company and Entity Names

● Financial Institution Names

● Job Position Titles

● Any Address

● Any Location Information (other than state), including City, County, MSA and Zip

● Account Numbers of any type

● Insurance Claim Numbers

● Insurance Policy Numbers

● Foreclosure Action dates and Case Numbers

● Bankruptcy Action dates and Case Numbers

● Any reference that would allow the identification of the location of a property (e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "<u>Underwriting Guidelines</u>") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review guidelines will consist of the following:

**Borrower Underwriting:**

● **Borrower Liquidity:** Review and confirm borrower's liquidity position adheres to Underwriting Guidelines.

● **Credit / Background Check:** Review and confirm each guarantor and/or owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

● **Property management questionnaire:** Review the questionnaire to confirm management experience meets Underwriting Guidelines.

● **Borrowing Entity:** Confirm the entity is in good standing and duly formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind the entity (if applicable documents are in the file).

● **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC meets Underwriting Guidelines per Underwriting Guidelines.

● **Permitted Loan Terms:** Confirm the loan terms are eligible per the Underwriting Guidelines.

● **Property Requirements and Market Requirements:** Confirm the loan Property and Market Requirements are eligible per the Underwriting Guidelines.

● **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

● **Condominium Eligibility:** Confirm Condo Master Policy is present and meets the Underwriting Guidelines

● **Property Insurance:** Confirm each mortgaged property has a policy in place and proper coverage amount in adherence to the Underwriting Guidelines.

● **Preliminary/Commitment Title:** Review and confirm first lien holder position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● 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.

● 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.

● 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.

● 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.

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

● 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.

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

**Compliance**

● No compliance testing for the DSCR review.

**<u>Pool Details</u>**

![](ex9931002.jpg)

![](ex9931003.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;2 | &nbsp;&nbsp;89.47% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;4 | &nbsp;&nbsp;78.95% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;3 | &nbsp;&nbsp;84.21% |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;**19** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there was one obligor with multiple loans in the pool.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| S&P | Moody's | Fitch | Kroll | DBRS | Definition |
| A | A | A | A | A | Loan conforms to all applicable guidelines, no conditions noted |
| B | B | B | B | B | 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 |
| C | C | C | C | C | 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 |
| D | D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| S&P | Moody's | Kroll | DBRS | Definition |
| A | A | A | A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | B | B | B | 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 |
| C | C | C | C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| D | D | D | D | The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| Fitch | Definition |
| A | The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| B | The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| C | The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |

---

<u>D</u> <u>The loan file is missing critical documentation required to perform the review</u>

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| Moody's | Definition |
| A | 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. |
| B | Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| C | 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 |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| S&P | Definition |
| A | 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. |
| B | First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| C | 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 |
| D | The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated September 15, 2025.

---

| | | |
|:---|:---|:---|
| **Overall Grade Summary** | | |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 15 | 78.95% |
| B | 4 | 21.05% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Compliance Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 18 | 94.74% |
| B | 1 | 5.26% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Credit Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 17 | 89.47% |
| B | 2 | 10.53% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Property Grade Summary** |  |  |
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 18 | 94.74% |
| B | 1 | 5.26% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**<u>Loans Reviewed (19)</u>**

---

| | |
|:---|:---|
| 4350117187 | 4350117195 |
| 4350117191 | 4350117199 |
| 4350117186 | 4350117200 |
| 4350117190 | 4350117196 |
| 4350117189 | 4350117198 |
| 4350117188 | 4350117201 |
| 4350117193 | 4350117202 |
| 4350117194 | 4350117203 |
| 4350117197 | 4350117204 |
| 4350117192 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

## Exhibit 99.32

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.32**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350117186 |  |  | XXXX C A B |
| XXXX | 4350117187 |  |  | XXXX D A |
| XXXX | 4350117188 |  |  | XXXX D A |
| XXXX | 4350117189 |  |  | XXXX A |
| XXXX | 4350117190 |  |  | XXXX D A B |
| XXXX | 4350117191 |  |  | XXXX A B |
| XXXX | 4350117192 |  |  | XXXX A |
| XXXX | 4350117193 |  |  | XXXX A |
| XXXX | 4350117194 |  |  | XXXX A |
| XXXX | 4350117195 |  |  | XXXX D A |
| XXXX | 4350117196 |  |  | XXXX A |
| XXXX | 4350117197 |  |  | XXXX A |
| XXXX | 4350117198 |  |  | XXXX D A |
| XXXX | 4350117199 |  |  | XXXX A |
| XXXX | 4350117200 |  |  | XXXX A B |
| XXXX | 4350117201 |  |  | XXXX A |
| XXXX | 4350117202 |  |  | XXXX A |
| XXXX | 4350117203 |  |  | XXXX A |
| XXXX | 4350117204 |  |  | XXXX A |

---

## Exhibit 99.33

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.33**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraisal Type** | **Primary Appraised Value** | **Value for LTV** | **LTV** | **CLTV** | **Primary Appraisal Date** | **Loan Reviewed Product Type** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Loan Collateral Advisor Risk Score Date** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Collateral Underwriter Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 4350117186 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 |
| XXXX | 4350117187 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 55 | 55 | XXXX | AVE/CMA | XXXX | XXXX | -0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | -0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117188 |  |  | XXXX | XXXX | XXXX | 0 | 2090 Individual Coop Report | XXXX | XXXX | 60.47 | 60.47 | XXXX | AVE/CMA | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117189 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 75 | 75 | XXXX | AVE/CMA | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117190 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 70 | 70 | XXXX | AVE/CMA | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117191 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350117192 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 65 | 65 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350117193 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 65 | 65 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117194 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 70 | 70 | XXXX | AVE/CMA | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117195 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 70 | 70 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 2.2 |
| XXXX | 4350117196 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 80 | 80 | XXXX | AVE/CMA | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117197 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 85 | 85 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350117198 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 75 | 75 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 |
| XXXX | 4350117199 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 66.91 | 66.91 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117200 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 79.46 | 79.46 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 3.5 |
| XXXX | 4350117201 |  |  | XXXX | XXXX | XXXX | 0 | 1073 Individual Condo Report | XXXX | XXXX | 80 | 80 | XXXX | Desk Review | XXXX | XXXX | 0.1275 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0.1275 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117202 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 65 | 65 | XXXX | Desk Review | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117203 |  |  | XXXX | XXXX | XXXX | 0 | 1004 URAR | XXXX | XXXX | 15.38 | 15.38 | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1.1 |
| XXXX | 4350117204 |  |  | XXXX | XXXX | XXXX | 0 | 1025 Small Residential Income Report | XXXX | XXXX | 75 | 75 | XXXX | AVE/CMA | XXXX | XXXX | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  | 0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.34

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.34**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350117187 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Audit Value Pulled From Note |
| XXXX | 4350117203 |  |  | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | Audit Value Pulled From Note |
| XXXX | 4350117195 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | Audit Value Pulled From Note. |
| XXXX | 4350117198 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | Audit Value Pulled From Note. |
| XXXX | 4350117190 |  |  | XXXX | Property Type | propertyValuationPage | Condotel | Condominium | Audit Value Pulled From Appraisal. |
| XXXX | 4350117194 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 4350117199 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Attached | Audit Value Pulled From Appraisal. |
| XXXX | 4350117204 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXX | 4350117202 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 740 | 680 | Audit value based on lender qualifying requirements. |
| XXXX | 4350117193 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 14.35 | 14.64 | Audit liabilities were based on the most recent credit report in the loan file dated XXXX |
| XXXX | 4350117197 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.12 | 40.21 | Audit liabilities were based on the most recent credit report in the loan file dated XXXX |
| XXXX | 4350117198 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 19.32 | 19.28 | Audit reflects difference in net rental income per documents in the loan file.  |

---

## Exhibit 99.35

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.35**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 4350117186 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-07/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/30/2025 <br>Open-Audited FICO of 686 is less than Guideline FICO of 700 - Due Diligence Vendor-07/29/2025 |  | Waived-Lender provided approved exception dated prior to origination and all lender compensation factors have been documented and validated. Finding is non-material, and loan will be graded a B. - Due Diligence Vendor-07/30/2025<br>| Exception.pdf |  | DSCR 1.1171%, .1171%> Min<br> Reserves XXXX mos, 14>2 mo Min<br> Housing 0x30x30 months<br> FICO 686, 26 pts>660 Min | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117187 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Cert provided. Finding Resolved. - Due Diligence Vendor-08/07/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/06/2025 <br>Open-Missing Flood Certificate Flood Certificate is missing in loan file. - Due Diligence Vendor-08/04/2025 |  | Resolved-Flood Cert provided. Finding Resolved. - Due Diligence Vendor-08/07/2025<br>| XXXX Flood.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117188 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Title Document Missing | Resolved-Title document provided, finding cleared. - Due Diligence Vendor-08/11/2025 <br>Resolved-Title Document is not Missing - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-08/11/2025 <br>Open-Title Document is missing - Due Diligence Vendor-08/10/2025 |  | Resolved-Title document provided, finding cleared. - Due Diligence Vendor-08/11/2025 <br>Resolved-Title Document is not Missing - Due Diligence Vendor-08/11/2025<br>| Title Commitment.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117190 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received STR Pro for calculation of gross rental income; therefore form 1007 is not required. Finding resolved. - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/19/2025 <br>Open- - Due Diligence Vendor-08/14/2025 |  | Resolved-Received STR Pro for calculation of gross rental income; therefore form 1007 is not required. Finding resolved. - Due Diligence Vendor-08/19/2025<br>| STR Rental.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117190 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/19/2025 <br> Open-Property type is ineligible due to Subject property contains XXXX sq feet which is below the minimum 500 required by guides. The Lock Confirmation in file reflects an "exception" fee but no lender exception found in file.. - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/19/2025 <br> Open-Property type is ineligible due to Subject property contains XXXX sq feet which is below the minimum 500 required by guides. The Lock Confirmation in file reflects an "exception" fee but no lender exception found in file.. - Due Diligence Vendor-08/18/2025 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-08/19/2025<br>| Exception Request.pdf |  | FICO 809, 0x30x56 housing, reserves = XXXX months and 0x30x57 primary housing history | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117191 |  |  | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Appraisal Disclosure Missing or Incomplete | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Please waive - Buyer-08/20/2025 <br>Open-ECOA: Appraisal Disclosure Missing or Incomplete. ECOA: Appraisal Disclosure is Incomplete. Provided document is not executed. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/18/2025 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-08/20/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | 4350117195 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Did not close prior to this loan - Buyer-08/22/2025 <br>Open-On Final application REO 3a was purchased simultaneously with subject property, however there is no supporting documents for PITIA. Please provide documentation for verification of PITIA. - Due Diligence Vendor-08/22/2025 |  | Resolved-Documentation provided. Finding Resolved. - Due Diligence Vendor-08/25/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117198 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. See attached address is on the bottom of page 2 and the loan number matches the 1003<br> - Buyer-08/29/2025 <br>Open-On Final application REO 3a was purchased simultaneously with subject property, however there is no supporting documents for PITIA. Please provide documentation for verification of PITIA.<br> - Due Diligence Vendor-08/28/2025 |  | Resolved-The lender provided the required documentation. Condition resolved. - Due Diligence Vendor-09/02/2025<br>| XXXX.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117200 |  |  | Closed | XXXX | XXXX | Acknowledged | 1 - Information | Property | Value | XXXX value equals B, secondary product within tolerance | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2025 <br>Ready for Review-Please waive - Buyer-09/03/2025 <br>Open-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-09/02/2025 |  | Acknowledged-XXXX value equals B, secondary product within tolerance. This finding will be rated a B for XXXX. All other agencies will be rated as A. - Due Diligence Vendor-09/04/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | XXXX | Investor Post-Close | No |

---

## Exhibit 99.36

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.36**

![](ex9936001.jpg)

**Selene Diligence LLC ("Selene") Due**<br> **Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

&nbsp;&nbsp;&nbsp;&nbsp;**(1) Type of assets that were reviewed.**

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Lone Star Residential Acquisitions, LLC ("Client"). The review was conducted between May 2025 and September 2025 via files imaged and provided for review (the "Review").

&nbsp;&nbsp;&nbsp;&nbsp;**(2) Sample size of the assets reviewed.**

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 34 Non-QM loans and 36 ATR/QM exempt loans for a total of 70 loans the "Final Securitization Population".

*<u>Credit Reviews (70):</u>*

During the Review, Selene performed a credit review on 70 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (70)</u>*

During the Review, Selene performed a compliance review, when applicable on 70 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (70):</u>*

During the Review, Selene performed a property valuation review on 70 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (70):</u>*

During the Review, Selene performed a Data Integrity Review on 70 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 70 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;70 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;70 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;70 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;70 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P") (the "NRSRO").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>GUIDELINES</u>**

Oaktree Funding Non-Agency Advantage Guidelines, Northpointe Underwriting Guidelines, Kind Lending Non-Agency Program Guidelines, 5<sup>th</sup> Street Capital Underwriting Guidelines (collectively the "Guidelines")

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**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene is providing a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

**<u>SCOPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A, B, and C, attached hereto).

**CREDIT REVIEW**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated
LTV, CLTV, income, liabilities and compared these against the Guidelines;

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

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

**COMPLIANCE REVIEW**

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

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

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

**DATA INTEGRITY REVIEW**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape
data is uploaded into the application;

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

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

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

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 70 mortgage loans, (ii) a Compliance Review on 70 mortgage loans (iii) a Valuation Review on 70 mortgage loans, and (iv) a Data Integrity Review on 70 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 70 mortgage loans; 43 mortgage loans had a rating grade of A, 27 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Grades per loan (70 overall loans):*** | &nbsp;&nbsp;***Grades per loan (70 overall loans):*** | &nbsp;&nbsp;***Grades per loan (70 overall loans):*** | &nbsp;&nbsp;***Grades per loan (70 overall loans):*** | &nbsp;&nbsp;***Grades per loan (70 overall loans):*** |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;27.14% | &nbsp;&nbsp;A | &nbsp;&nbsp;43 | &nbsp;&nbsp;61.43% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;14.29% | &nbsp;&nbsp;B | &nbsp;&nbsp;27 | &nbsp;&nbsp;38.57% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;7 | &nbsp;&nbsp;10.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;34 | &nbsp;&nbsp;48.57% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;68 | &nbsp;&nbsp;97.14% | &nbsp;&nbsp;A | &nbsp;&nbsp;48 | &nbsp;&nbsp;68.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;2.86% | &nbsp;&nbsp;B | &nbsp;&nbsp;22 | &nbsp;&nbsp;31.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;65 | &nbsp;&nbsp;92.86% |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;7.14% |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain

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claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given

rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such mortgage loan or mortgage loans, shall be made solely by the Client, or other agreed upon party, that has engaged Selene to prepare its reports pursuant to its instructions and Guidelines. The Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Selene are

designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use. Selene does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Selene.

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

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

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

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

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

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

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

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

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&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and
 confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan
 file;

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm
 the materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) <u>With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan</u> 

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<u>Originator Compensation and Steering (§1026.36):</u>

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against
 the NMLSR database, as available.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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vi) with respect to tolerance violations based on the disclosed charges on the LE and CD and other applicable exceptions, confirm that the creditor cured or remediated the violations in accordance with the Structured Finance Association TRID 4.0, as may be updated from time to time.

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

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

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

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

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

Selene 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.

Selene 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"). Selene does not represent or warrant that the factors for which it is reviewing the mortgage loans constitute all of the factors and/or criteria that Authorities may consider in determining the status of a mortgage loan. Selene's review is based on information contained in the mortgage loan file at the time it is provided to Selene to review, and only reflects information as of that point in time.

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

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

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COLT 2025-10 Executive Summary (Selene Diligence LLC)

**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License<br>
 Registered Depository Institution Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration<br>
 Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT
 - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License<br>
 Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

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COLT 2025-10 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK
 Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced
 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR
 Consumer Finance License – Consumer Finance Registration – Mortgage Lender
 License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA
 Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI
 Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD
 Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT
 Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA
 Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 –
 Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV
 Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender
 Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX
 Home Loan and High Cost Home Loan Act

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COLT 2025-10 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;22. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI
 Responsible High Cost Mortgage Lending Act

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

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

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

Page **15** of **16**

COLT 2025-10 Executive Summary (Selene Diligence LLC)

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

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

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

COLT 2025-10 Executive Summary (Selene Diligence LLC)

## Exhibit 99.37

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.37**

---

| | | | | |
|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 4350117205 |  |  | XXXX D A C B |
| XXXX | 4350117206 |  |  | XXXX D A B |
| XXXX | 4350117207 |  |  | XXXX A |
| XXXX | 4350117208 |  |  | XXXX D C A B |
| XXXX | 4350117209 |  |  | XXXX C D A |
| XXXX | 4350117210 |  |  | XXXX D A |
| XXXX | 4350117211 |  |  | XXXX B D A |
| XXXX | 4350117212 |  |  | XXXX D C A |
| XXXX | 4350117213 |  |  | XXXX C D B A |
| XXXX | 4350117214 |  |  | XXXX C A |
| XXXX | 4350117215 |  |  | XXXX C A D B |
| XXXX | 4350117216 |  |  | XXXX D B A |
| XXXX | 4350117217 |  |  | XXXX B A |
| XXXX | 4350117218 |  |  | XXXX D A |
| XXXX | 4350117219 |  |  | XXXX D A |
| XXXX | 4350117220 |  |  | XXXX A |
| XXXX | 4350117221 |  |  | XXXX D A |
| XXXX | 4350117222 |  |  | XXXX A D |
| XXXX | 4350117223 |  |  | XXXX A |
| XXXX | 4350117224 |  |  | XXXX C A |
| XXXX | 4350117225 |  |  | XXXX C D B A |
| XXXX | 4350117226 |  |  | XXXX D A B |
| XXXX | 4350117227 |  |  | XXXX A C |
| XXXX | 4350117228 |  |  | XXXX C A |
| XXXX | 4350117229 |  |  | XXXX A B |
| XXXX | 4350117230 |  |  | XXXX A |
| XXXX | 4350117231 |  |  | XXXX D A |
| XXXX | 4350117232 |  |  | XXXX D A |
| XXXX | 4350117233 |  |  | XXXX B A |
| XXXX | 4350117234 |  |  | XXXX D A B |
| XXXX | 4350117235 |  |  | XXXX D A B |
| XXXX | 4350117236 |  |  | XXXX C D A |
| XXXX | 4350117237 |  |  | XXXX D A |
| XXXX | 4350117238 |  |  | XXXX D A |
| XXXX | 4350117239 |  |  | XXXX D A |
| XXXX | 4350117240 |  |  | XXXX D B A |
| XXXX | 4350117241 |  |  | XXXX A |
| XXXX | 4350117242 |  |  | XXXX D A |
| XXXX | 4350117243 |  |  | XXXX D A B |
| XXXX | 4350117244 |  |  | XXXX C A |
| XXXX | 4350117245 |  |  | XXXX C A B |
| XXXX | 4350117246 |  |  | XXXX C A |
| XXXX | 4350117247 |  |  | XXXX D A B |
| XXXX | 4350117248 |  |  | XXXX B A |
| XXXX | 4350117249 |  |  | XXXX D A |
| XXXX | 4350117250 |  |  | XXXX A |
| XXXX | 4350117251 |  |  | XXXX D A B |
| XXXX | 4350117252 |  |  | XXXX D A |
| XXXX | 4350117253 |  |  | XXXX A |
| XXXX | 4350117254 |  |  | XXXX C A D |
| XXXX | 4350117255 |  |  | XXXX B A |
| XXXX | 4350117256 |  |  | XXXX A |
| XXXX | 4350117257 |  |  | XXXX B A |
| XXXX | 4350117258 |  |  | XXXX A |
| XXXX | 4350117259 |  |  | XXXX B A |
| XXXX | 4350117260 |  |  | XXXX A |
| XXXX | 4350117261 |  |  | XXXX A |
| XXXX | 4350117262 |  |  | XXXX B A |
| XXXX | 4350117263 |  |  | XXXX B A |
| XXXX | 4350117264 |  |  | XXXX D A B |
| XXXX | 4350117265 |  |  | XXXX A |
| XXXX | 4350117266 |  |  | XXXX A |
| XXXX | 4350117267 |  |  | XXXX B A |
| XXXX | 4350117268 |  |  | XXXX A |
| XXXX | 4350117269 |  |  | XXXX A D |
| XXXX | 4350117270 |  |  | XXXX A |
| XXXX | 4350117271 |  |  | XXXX A |
| XXXX | 4350117272 |  |  | XXXX A |
| XXXX | 4350117273 |  |  | XXXX A |
| XXXX | 4350117274 |  |  | XXXX A |

---

## Exhibit 99.38

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | 4350117205 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Property | Appraisal | Property/Appraisal General | Waived-UW Exception: Subject property Square footage of XXXX does not meet minimum required 600 feet per guidelines. <br> Exception Form available on page 410 - Due Diligence Vendor-05/21/2025 |  | Waived-UW Exception: Subject property Square footage of XXXX does not meet minimum required 600 feet per guidelines. <br> Exception Form available on page 410 - Due Diligence Vendor-05/21/2025 |  |  | Reserves of 30+ months exceeds required 6 months<br> 0x30x35 Primary Housing History<br>| XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117205 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-UW Exception for DTI 48.92% exceeding Maximum allowed for 85% LTV provided. - Due Diligence Vendor-06/09/2025 <br> Ready for Review-Document Uploaded. 1008 with exception approval - Seller-06/05/2025 <br> Counter-Updated 1008 provided reflects 48.95 DTI; Audited DTI is 48.92. Per GL's Max DTI allowed is 45% when LTV >/= 85%. Transaction LTV 85%. DTI exceeds max allowable per GL's. - Due Diligence Vendor-06/04/2025 <br> Ready for Review-Please provide clarification on XXXX DTI breakdown calculation as we are not matching with your total obligations amount - Seller-06/03/2025 <br> Open-Audited DTI Exceeds Guideline DTI Audited DTI of 48.92% exceeds Guideline DTI of 45% - Due Diligence Vendor-05/29/2025 | Ready for Review-Document Uploaded. 1008 with exception approval - Seller-06/05/2025 <br> Ready for Review-Please provide clarification on XXXX's DTI breakdown calculation as we are not matching with your total obligations amount - Seller-06/03/2025 | Waived-UW Exception for DTI 48.92% exceeding Maximum allowed for 85% LTV provided. - Due Diligence Vendor-06/09/2025<br>| 1008.pdf<br>Exception Approval.pdf |  | 30+ months reserves exceeds required 6 months. <br> 0x30x35 Primary Housing History | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350117205 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested updated 1003 & 1008 Provided with the income that is matching to income calculation sheet hence resolved. - Due Diligence Vendor-05/29/2025 <br> Resolved-Validation Resolved' - Due Diligence Vendor-05/29/2025 <br> Ready for Review-Document Uploaded. Income updated to match worksheets that were already provided. 1003/1008 updated - Seller-05/28/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Lender Income worksheet for Business "XXXX" Income $XXXX & $XXXX. Lender Income worksheets in file reflect $XXXX and $XXXX Additionally, worksheet for XXXX Acct XXXX contains some illegible data. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Income updated to match worksheets that were already provided. 1003/1008 updated - Seller-05/28/2025<br>| Resolved-Requested updated 1003 & 1008 Provided with the income that is matching to income calculation sheet hence resolved. - Due Diligence Vendor-05/29/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-05/29/2025<br>| 1003.1008.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117205 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Requested Gap Credit Report Provided hence resolved.<br> - Due Diligence Vendor-05/29/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2025 <br>Ready for Review-Document Uploaded. Gap Credit - Seller-05/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide Borrower 1 Gap Credit report. Borrower 1 Gap Credit report is missing. - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. Gap Credit - Seller-05/28/2025<br>| Resolved-Requested Gap Credit Report Provided hence resolved.<br> - Due Diligence Vendor-05/29/2025 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-05/29/2025<br>| GAP Credit.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117205 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-XXXX SSR with acceptable score provided. - Due Diligence Vendor-05/22/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-05/21/2025 <br>Open-Provide Secondary Valuation or Additional Valuation has per securitization requirements - Due Diligence Vendor-05/20/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-05/21/2025<br>| Resolved-XXXX SSR with acceptable score provided. - Due Diligence Vendor-05/22/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117206 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception made for borrower not owning a primary residence on a DSCR loan - Due Diligence Vendor-08/21/2025 <br> Waived-Exception made for borrower not owning a primary residence on a DSCR loan - Due Diligence Vendor-08/19/2025 <br> Ready for Review-We are hedging this loan and plan to bid out. We do not have identified to an investor yet. The intention is to present the findings complete with XXXX Exception and allowing the buyer to determine if they choose to purchase with the credit decision XXXX has made. We (in this case) have determined the credit profile is warranted to make the loan as is. Please clear the exception and note the loan. - Seller-08/13/2025 <br> Counter-Appreciate the clarification, any chance we can receive investor approval, which would allow us to waive this condition. - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Given that there is only one exception on the loan and XXXX is making the exception as the lender, a single comp factor of 3+ months additional reserves in addition to the DSCR being over 1 (albeit slightly) should be enough to clear the exception. Please clear the condition using the comp factors provided. - Seller-08/12/2025 <br> Counter-DSCR is only 1.02 while minimum is 1 therefore we cannot use it as a comp factor, please provide additional comp factor for this exception. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Investor approval is not required - Seller-07/18/2025 <br> Counter-Missing investor approval for exception with the listed comp factors - Due Diligence Vendor-07/01/2025 <br> Ready for Review-Document Uploaded. - Buyer-06/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Borrower living rent free in primary residence on a DSCR loan - Due Diligence Vendor-06/25/2025 | Ready for Review-We are hedging this loan and plan to bid out. We do not have identified to an investor yet. The intention is to present the findings complete with XXXX Exception and allowing the buyer to determine if they choose to purchase with the credit decision XXXX has made. We (in this case) have determined the credit profile is warranted to make the loan as is. Please clear the exception and note the loan. - Seller-08/13/2025 <br>Ready for Review-Given that there is only one exception on the loan and XXXX is making the exception as the lender, a single comp factor of 3+ months additional reserves in addition to the DSCR being over 1 (albeit slightly) should be enough to clear the exception. Please clear the condition using the comp factors provided. - Seller-08/12/2025 <br>Ready for Review-Investor approval is not required - Seller-07/18/2025<br>| Waived-Exception made for borrower not owning a primary residence on a DSCR loan - Due Diligence Vendor-08/21/2025 <br>Waived-Exception made for borrower not owning a primary residence on a DSCR loan - Due Diligence Vendor-08/19/2025<br>| Exception XXXX.pdf |  | Borrower(s) have 10.44 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350117206 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/13/2025 <br>Ready for Review-Document Uploaded. Recorded DOT w/PPP Rider included - Buyer-08/11/2025 <br>Counter-Uploaded documents include prepayment addendum to note but not the prepayment penalty rider, please provide clarification - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Open-The Deed of Trust is Missing Prepayment rider missing from Deed of Trust - Due Diligence Vendor-06/25/2025 | Ready for Review-Document Uploaded. - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. - Seller-07/18/2025<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/13/2025<br>| Recorded MTG - XXXX.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117206 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Loan is DSCR, No Initials/1003 is Required, Hence Finding Resolved - Due Diligence Vendor-06/27/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/27/2025 <br>Ready for Review-Per UW disclosures are not required on DSCR - Seller-06/26/2025 <br>Open-The Initial 1003 is Missing Loan officer signature and borrower signature missing from initial 1003 - Due Diligence Vendor-06/23/2025 | Ready for Review-Per UW disclosures are not required on DSCR - Seller-06/26/2025<br>| Resolved-Loan is DSCR, No Initials/1003 is Required, Hence Finding Resolved - Due Diligence Vendor-06/27/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-06/27/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117206 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. - Buyer-07/18/2025 <br>Open-The Final 1003 is Missing Borrower lives rent free with spouse and has no ownership in primary residence, 1003 lists borrowers owns primary residence - Due Diligence Vendor-06/25/2025 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-07/21/2025<br>| 1003 - XXXX.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117206 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance is Missing in file, Provided the same , Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/30/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Seller-06/27/2025 <br>Open-Missing Hazard Insurance Policy in file - Due Diligence Vendor-06/24/2025 | Ready for Review-Document Uploaded. - Seller-06/27/2025<br>| Resolved-Hazard Insurance is Missing in file, Provided the same , Changes made in system, Finding Resolved<br> - Due Diligence Vendor-06/30/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-06/30/2025<br>| HOI - HAZARD INSURANCE-XXXX.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117206 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Report is Missing in file, Provided the same , Changes made in system, Finding Resolved - Due Diligence Vendor-06/30/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-06/27/2025 <br>Open-Missing Third Party Fraud Report in file - Due Diligence Vendor-06/24/2025 |  | Resolved-Fraud Report is Missing in file, Provided the same , Changes made in system, Finding Resolved - Due Diligence Vendor-06/30/2025 <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/30/2025<br>| DATA VERIFY_FRAUD GUARD-72.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117208 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-XXXX acct #XXXXproof of account statement uploaded, Asset Record 3 Meets G/L Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/03/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-07/02/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements • Asset Record 3 amount of $XXXX from an XXXX acct #XXX proof of account statement is missing from the file. - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. please see attached - Seller-07/02/2025<br>| Resolved-XXXX acct #XXXX proof of account statement uploaded, Asset Record 3 Meets G/L Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/03/2025 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-07/03/2025 | XXXX_XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117208 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-Updated Note, Recorded Mortgage, 1003, and a PCCD received. System updated. NMLS section of the Mavent review now passes. Issue resolved. - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. - Seller-08/11/2025 <br> Counter-please upload other copy - Due Diligence Vendor-08/11/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/06/2025 <br> Counter-On the updated docs just uploaded, the Broker's Name is "XXXX" with an NMLS number of "XXXX" and an address in XXXX However, per the NMLS Consumer Access website, the NMLS number "XXXX" does not belong to a XXXX in XXXX; it belongs to a XXXX in XXXX. Even on these updated docs, the information still does not match. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-The previous documents had autofilled with the incorrect NMLS and Broker Name. The new ones are correct - Seller-08/06/2025 <br> Counter-Re-executed docs received. However, the names do not match. The old NMLS (XXXX is for XXXX in XXXX. The new NMLS (XXXX) is for a XXXX in XXXX. No evidence that these are the same person. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Please see re-executed loan docs with NMLS corrected - Seller-08/06/2025 <br> Counter-Pending updated/corrected docs. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-We have researched this condition and discovered that the NMLS used on the closing docs was incorrect due to a system error. Please advise what is needed to resolve this. - Seller-07/21/2025 <br> Open- - Due Diligence Vendor-07/01/2025 <br> Open-The loan originator does not have a license in XXXXas of XXXX• Per the NMLS Consumer Access website, the Loan Officer (XXXX, NMLS #XXXX is not licensed in XXXX. Shown states licenses are for XXX XXXX, XXXX XXXX,XXXX, XXXX and XXXX. - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 <br> Open- - Due Diligence Vendor-06/30/2025 | Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/06/2025 <br>Ready for Review-The previous documents had autofilled with the incorrect NMLS and Broker Name. The new ones are correct - Seller-08/06/2025 <br>Ready for Review-Document Uploaded. Please see re-executed loan docs with NMLS corrected - Seller-08/06/2025 <br>Ready for Review-We have researched this condition and discovered that the NMLS used on the closing docs was incorrect due to a system error. Please advise what is needed to resolve this. - Seller-07/21/2025<br>| Resolved-Updated Note, Recorded Mortgage, 1003, and a PCCD received. System updated. NMLS section of the Mavent review now passes. Issue resolved. - Due Diligence Vendor-08/12/2025<br>| XXXX_XXXX Re-Excecuted Docs NMLS.pdf<br> XXXX_XXXX Final Re-Excecuted Docs NMLS.pdf<br> XXXX_XXXXFinal Re-Excecuted Docs NMLS B&W.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117208 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Exception Approval received:<br> "Exception to waive VOR " - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. please see attached - Seller-07/02/2025 <br> Open-• Discrepancy in Housing History. Per the Final 1003, the borrowers live at "XXXX" and have lived there 2 years with no housing expense. Per a letter in file dated June 11, 2025, the borrowers state "The address of XXXX" Ave in XXXX belongs toXXXX mother. We lived with her until August of 2024 prior to moving into our current residence." However, there is no verification from the current address of XXXX or the Rent-Free status from the property owner. - Due Diligence Vendor-07/01/2025 | Ready for Review-Document Uploaded. please see attached - Seller-07/02/2025<br>| Waived-Exception Approval received:<br> "Exception to waive VOR " - Due Diligence Vendor-07/03/2025<br>| XXXX_XXXX Exception VOR.pdf |  | (1) Low DTI of 28.3% is below the Guideline max of 50% by 21.7%.<br> (2) 6+ months of reserves. Total Reserves are 6.98 months.<br> (3) High Discretionary Income. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117208 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Validation Resolved - Due Diligence Vendor-07/03/2025 <br> Resolved-Percentage of ownership of the business updated, which updated the income, which also updated the borrower with the highest income. FICO score of 706 is correct as-is. Validation Resolved. - Due Diligence Vendor-07/03/2025 <br> Ready for Review-Document Uploaded. XXXX is 50% owner of the business with his wife, and also has a history of working for the prior owner of this business in 2024 & 2025. CPA Please see updated 1008 and income ws attached<br> - Buyer-07/02/2025 <br> Open-Qualifying FICO on the 1008 Page is '706' or blank, but the Qualifying FICO from the Credit Liabilities Page is '794' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. • Per the Matrix, "Use primary wage earner's middle score" for the Qualifying FICO. Borrower 1 earns $XXXX and Borrower 2 earns $XXXX. Therefore, Borrower 2 has the higher income, and Borrower 2's FICO score should be used. - Due Diligence Vendor-07/01/2025 |  | Resolved-Validation Resolved - Due Diligence Vendor-07/03/2025 <br>Resolved-Percentage of ownership of the business updated, which updated the income, which also updated the borrower with the highest income. FICO score of 706 is correct as-is. Validation Resolved. - Due Diligence Vendor-07/03/2025<br>| 1008 updated.pdf<br> XXXX Income Calc Wksht.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117208 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-07/03/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/03/2025 <br>Ready for Review-please see pg 1068 of original package - Buyer-07/02/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing • Borrower 1 PreClose 3rd Party VOE is missing in file. - Due Diligence Vendor-06/30/2025 |  | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br>- Due Diligence Vendor-07/03/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/03/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117208 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Waived-Exception provided on page #640.<br> "Exception to allow less than 12mo self employment history for bank statement program. Exception to amortize 9 months business bank statements over 12 months for bank statement income and waive additional 3 months bank statements." - Due Diligence Vendor-06/30/2025 |  | Waived-Exception provided on page #640.<br> "Exception to allow less than 12mo self employment history for bank statement program. Exception to amortize 9 months business bank statements over 12 months for bank statement income and waive additional 3 months bank statements." - Due Diligence Vendor-06/30/2025<br>|  |  | 1. DTI is 28.2951%. Maximum allowed per guidelines is 50%.<br> 2. Borrower(s) have 6.98 months Reserves. Minimum required per guidelines is 3 months.<br> 3. High Discretionary Income.<br> 4. XXXX has been in the same profession and working for the prior owner of the business before self employment XXXX, and with the same clients. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Enterprise:FeeLimits | ER - XXXX Constitution 2% Fee Limit | Resolved- - Due Diligence Vendor-08/25/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $XXXX (which is under the threshold). As you can see, we have excluded $XXXX in XXXX The Investor is including the following fees in the High-Cost Test for a total of $XXXX (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $XXXX in XXXX. - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$XXXX in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Resolved- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 | Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $6,809.11 (which is under the threshold). As you can see, we have excluded $1,103.96 in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $7,713.07 (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $1,103.96 in BFDP. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$1103.96 in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025<br>| Resolved- - Due Diligence Vendor-08/25/2025<br>| XXXX Compliance Response Bona Fide Discount Points.pdf<br> Initial Lock Pricing (1).pdf<br> XXXX Compliance Response XXXX.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Mavent | HighCost: APR/FEES | Resolved- - Due Diligence Vendor-08/25/2025 <br> Resolved-Resolved - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-. - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $XXXX (which is under the threshold). As you can see, we have excluded $XXXXin BFDP. The Investor is including the following fees in the High-Cost Test for a total of $XXXX (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $1,103.96 in BFDP. - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open-The loan fees ($XXXX) exceed the (FED2014) (Note Amount >=$XXXX) fee limit, which is 5% of the Total Loan Amount (XXXX), the difference is ($XXXX). (12 CFR 1026.32). - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Rate Stack and Compliance Response Attached - Seller-07/18/2025 <br> Counter-The loan fees ($XXXX) exceed the (XXXX) High Cost fee limit, which is ($XXXX), the difference is ($XXXX). Interest rate was reduced by 0.125% and we marked 0.50% points as bona fide, this is still insufficient to clear the fail - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$XXXX in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open-The loan fees ($XXXX) exceed the (FED2014) (Note Amount >=$XXXX) fee limit, which is 5% of the Total Loan Amount ($XXXX), the difference is ($XXXX). (12 CFR 1026.32). Loan fees updated per CDs and LEs accurately. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $6,809.11 (which is under the threshold). As you can see, we have excluded $1,103.96 in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $7,713.07 (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $1,103.96 in BFDP. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Rate Stack and Compliance Response Attached - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$1103.96 in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025<br>| Resolved- - Due Diligence Vendor-08/25/2025 <br>Resolved-Resolved - Due Diligence Vendor-08/20/2025<br>| XXXX Compliance Response Bona Fide Discount Points.pdf<br> Initial Lock Pricing (1).pdf<br> XXXX Compliance Response XXXX.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: Fees | Resolved-Resolved - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Ready for Review- - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $XXXX (which is under the threshold). As you can see, we have excluded $XXXX in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $XXXX (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $XXXX in BFDP. - Seller-08/04/2025 <br> Counter-XXXX disagrees, the rate spread provided shows the undiscounted interest rate on the loan is 10.125%, while the Average Prime Offer Rate (APOR) for a comparable transaction is 6.88%. <br>According to XXXX § 1026.32(e)(2) , a loan cannot be considered to have bona fide discount points if the undiscounted interest rate exceeds the APOR by more than 2.0 percentage points. <br>Since the difference here is 3.245%, the loan does not meet the threshold for the points to be considered bona fide. <br> - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open-The loan fees ($XXXX exceed the (XXXX) High Cost fee limit, which is ($XXXX, the difference is ($XXXX. - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Rate Stack and Compliance Response Attached - Seller-07/18/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$XXXX in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open-The loan fees ($XXXX) exceed the (XXXX) High Cost fee limit, which is ($XXXX), the difference is ($XXXX). Loan fees updated per CDs and LEs accurately. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $6,809.11 (which is under the threshold). As you can see, we have excluded $1,103.96 in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $7,713.07 (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $1,103.96 in BFDP. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Rate Stack and Compliance Response Attached - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$1103.96 in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025<br>| Resolved-Resolved - Due Diligence Vendor-08/20/2025<br>| XXXX Compliance Response Bona Fide Discount Points.pdf<br> Initial Lock Pricing (1).pdf<br> XXXX Compliance Response XXXX.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Resolved - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-. - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $XXXX (which is under the threshold). As you can see, we have excluded $XXXX in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $XXXX (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $XXXX in BFDP. - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Rate Stack and Compliance Response attached - Seller-07/18/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$XXXX in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open-You submitted a late fee amount of ($XXXX and a (5.0%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed 4% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XXXX 1026.34(a)(8)(i)) Late fee updated as 5% per Note doc. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $6,809.11 (which is under the threshold). As you can see, we have excluded $1,103.96 in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $7,713.07 (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $1,103.96 in BFDP. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Rate Stack and Compliance Response attached - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$1103.96 in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025<br>| Resolved-Resolved - Due Diligence Vendor-08/20/2025<br>| XXXX Compliance Response Bona Fide Discount Points.pdf<br> Initial Lock Pricing (1).pdf<br> XXXX Compliance Response XXXX.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Resolved - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Open- - Due Diligence Vendor-08/14/2025 <br> Ready for Review-. - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $XXXX (which is under the threshold). As you can see, we have excluded $XXXX in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $XXXX (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $XXXX in BFDP. - Seller-08/04/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/23/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Open- - Due Diligence Vendor-07/21/2025 <br> Ready for Review-Document Uploaded. Rate Stack and Compliance Response Attached - Seller-07/18/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$XXXXin bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open- - Due Diligence Vendor-07/17/2025 <br> Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section 32 Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section 32 disclosures at least 3 business days prior to consummation, in violation of Reg Z. (12 CFR 1026.31(c) and 1026.32(c)) Loan fees updated per CDs and LEs accurately. - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 <br> Open- - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Compliance findings:<br> XXXX is including the following fees in the High-Cost Test for a total of $6,809.11 (which is under the threshold). As you can see, we have excluded $1,103.96 in BFDP. The Investor is including the following fees in the High-Cost Test for a total of $7,713.07 (which exceeds the threshold). The reason for the discrepancy is the investor did not exclude the BFDP.<br> The Undiscounted Rate is 7.875%<br> The Interest Rate is 7.750% which equals .772% or $1,103.96 in BFDP. - Seller-08/04/2025 <br>Ready for Review-Document Uploaded. Rate Stack and Compliance Response Attached - Seller-07/18/2025 <br>Ready for Review-Document Uploaded. Compliance Response: XXXX is not taking our bona fide discount points into consideration. The XXXX Mavent results do not reflect the -$1103.96 in bona fide discount points. Once that is applied, they will have a pass as per our CE findings. Please see attached Rate Lock and below snippet from our system showing the Bona Fide Discount Points - Seller-07/17/2025<br>| Resolved-Resolved - Due Diligence Vendor-08/20/2025<br>| XXXX Compliance Response Bona Fide Discount Points.pdf<br> Initial Lock Pricing (1).pdf<br> XXXX.docx<br> XXXX Compliance Response.pdf<br> XXXX Compliance Response XXXX.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/21/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/18/2025 <br>Open-Fraud Report Shows Uncleared Alerts Per the guideline on page 32 a clear fraud report is required. The fraud report in file (page 294) s showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-07/18/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved - Due Diligence Vendor-07/21/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-07/21/2025<br>| Cleared Alerts.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/18/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-07/17/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA.<br> - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-07/17/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-07/18/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-07/18/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117209 |  |  | Closed | XXXX | XXXX | Resolved | A | Compliance | Fees:Limited | XXXX - Maximum Fees Allowed | Resolved- - Due Diligence Vendor-07/17/2025 <br>Open- - Due Diligence Vendor-07/17/2025 <br>Open- - Due Diligence Vendor-07/17/2025 |  |  |  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117210 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received Notarized Business purpose affidavit. Resolved - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-08/11/2025 <br>Counter-Received Occupancy statement. Still need notarized Business Purpose Affidavit disclosure. - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-08/01/2025 <br>Open-The 1008 Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Notarized Business Purpose Affidavit Disclosure. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. See attached - Seller-08/11/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-08/01/2025<br>| Resolved-Received Notarized Business purpose affidavit. Resolved - Due Diligence Vendor-08/12/2025<br>| Occupancy Affidavit XXXXX.pdf<br> Affidavit Business Purpose.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117210 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Requested Hazard Insurance Policy Provided Hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. Please see the attached. - Seller-07/22/2025 <br>Open-Missing Hazard Insurance Policy Provide Hazard Insurance Policy for subject property. - Due Diligence Vendor-07/15/2025 | Ready for Review-Document Uploaded. Please see the attached. - Seller-07/22/2025<br>| Resolved-Requested Hazard Insurance Policy Provided Hence resolved. - Due Diligence Vendor-07/23/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/23/2025<br>| Property Insurance.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117211 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/01/2025 <br>Ready for Review-Document Uploaded. - Seller-08/01/2025 <br>Open-Evidence of Rate Lock Missing Evidence of Rate Lock is missing. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. - Seller-08/01/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/01/2025<br>| Lock Agreement.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117211 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of 695 is less than Guideline FICO of 700 Exception on page#570<br> Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements- an exception to allow 75% LTV for this DSCR purchase while the clients credit score is a 695. - Due Diligence Vendor-07/31/2025 |  | Waived-Audited FICO of 695 is less than Guideline FICO of 700 Exception on page#570<br> Rate Sheet Pricing / Program: FICO/LTV combination outside of rate sheet / guideline / program requirements- an exception to allow 75% LTV for this DSCR purchase while the clients credit score is a 695. - Due Diligence Vendor-07/31/2025<br>|  |  | Reserves - 211.17 months. Minimum required per guidelines is 6 months.<br> Housing History - 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Investor Experience- Borrower has more than 2 prior investments displaying at least 0x30x12 pay history | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117212 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-Resolved - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Resolved-HPML compliant - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance Response: We have a HPML pass on our Compliance Ease results, please see attached. It appears that XXXX's Mavent Report is not excluding the bona fide discount points of $XXXX- Seller-07/30/2025 <br> Open-The loan's (8.178%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) As per final CD, file was not escrowing. - Due Diligence Vendor-07/27/2025 <br> Open- - Due Diligence Vendor-07/27/2025 <br> Open- - Due Diligence Vendor-07/27/2025 <br> Open- - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. Compliance Response: We have a HPML pass on our Compliance Ease results, please see attached. It appears that XXXX's Mavent Report is not excluding the bona fide discount points of $5000 - Seller-07/30/2025<br>| Resolved-Resolved - Due Diligence Vendor-08/06/2025 <br>Resolved-HPML compliant - Due Diligence Vendor-08/05/2025<br>| download.pdf<br> LockConfirmation-XXXXX.PDF |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117212 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Open- - Due Diligence Vendor-08/06/2025 <br> Resolved-HPML compliant - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Compliance Response: We have a HPML pass on our Compliance Ease results, please see attached. It appears that XXXX's Mavent Report is not excluding the bona fide discount points of $XXXX - Seller-07/30/2025 <br> Open- - Due Diligence Vendor-07/27/2025 <br> Open- - Due Diligence Vendor-07/27/2025 <br> Open-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) You submitted no impound amounts for property insurance on this HPML loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) - Due Diligence Vendor-07/27/2025 <br> Open- - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. Compliance Response: We have a HPML pass on our Compliance Ease results, please see attached. It appears that XXXX's Mavent Report is not excluding the bona fide discount points of $5000 - Seller-07/30/2025<br>| Resolved-HPML compliant - Due Diligence Vendor-08/05/2025<br>| LockConfirmation-XXXX.PDF<br> download.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117212 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Income) | Resolved-income worksheet provided and DTIs within tolerance. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Updated Income Worksheet with 1003/1008 - Seller-08/05/2025 <br> Counter-Diligence Final Look DTI does not match with the 1008 provided. With the income adjusted to XXXX the DTIs adjusted to 7.88%/10.67% - Due Diligence Vendor-08/04/2025 <br> Ready for Review-Document Uploaded. Updated Income Worksheet, 1008 and 1003 backing out the large deposits - Seller-08/01/2025 <br> Open-Following large deposits are included in income calculation XXXX-$XXXX, 05/25-$XXXX and XXXX-$XXXXbut there is no supporting docs in the file. - Due Diligence Vendor-07/27/2025 | Ready for Review-Document Uploaded. Updated Income Worksheet with 1003/1008 - Seller-08/05/2025 <br>Ready for Review-Document Uploaded. Updated Income Worksheet, 1008 and 1003 backing out the large deposits - Seller-08/01/2025<br>| Resolved-income worksheet provided and DTIs within tolerance. - Due Diligence Vendor-08/06/2025<br>| Income Calculation Worksheet.pdf<br> 1008.pdf<br> 1003.pdf<br> Income Calculation Worksheet - XXXX.pdf<br> 1003.1008.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117213 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-Resolved. Updated Section B Title Fees from Non Shoppable to Creditors List on all applicable Closing Disclosures. - Due Diligence Vendor-08/05/2025 <br>Resolved-Resolved - Due Diligence Vendor-08/05/2025 <br>Open- - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025 <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Courier Fee, Wire Transfer Fee, Recording Service Fee, Document Assembly Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Cannot Increase Category: Section B - Title fees (Courier Fee, Wire Transfer Fee, Recording Service Fee, Document Assembly Fee) is paid to a provider that's not on providers list. Provide COC - Due Diligence Vendor-07/28/2025 <br>Open- - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025<br>| Resolved-Resolved. Updated Section B Title Fees from Non Shoppable to Creditors List on all applicable Closing Disclosures. - Due Diligence Vendor-08/05/2025 <br>Resolved-Resolved - Due Diligence Vendor-08/05/2025<br>| LOX XXXX.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117213 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Mavent | Late: Amount | Resolved-Updated Note page to reflect Max Amount of $XXXX - Due Diligence Vendor-08/05/2025 <br> Resolved- - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025 <br> Open-The late fee ($XXXX) exceeds the XXXX Mini-Code limit of the greater of $XXXXor 5% ($XXXX) of the overdue payment, but not to exceed $XXXX (XXXX Code 5-19-4(a) & XXXX. XXXX v. XXXX., XXXX XXXX) State Specific Condition: The late fee ($1XXXX) exceeds the XXXX Mini-Code limit of the greater of $XXX or 5% (XXXX) of the overdue payment, but not to exceed $XXXX. Provide PCCD with lender credit or tolerance cure. - Due Diligence Vendor-07/28/2025 <br> Open- - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025<br>| Resolved-Updated Note page to reflect Max Amount of $XXXX - Due Diligence Vendor-08/05/2025 | LOX XXXX.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117213 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Lock agreement received. Evidence of Rate Lock on pages 149 and 731 - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025 <br>Open-Provide Confirmation of Rate Lock - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025<br>| Resolved-Lock agreement received. Evidence of Rate Lock on pages 149 and 731 - Due Diligence Vendor-08/05/2025<br>| Lock Agreement.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117213 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Credit | Missing verification of self employment. | Resolved-Resolved. Self Employment Narrative received - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025 <br>Open-Provide Self Employment Narrative - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025<br>| Resolved-Resolved. Self Employment Narrative received - Due Diligence Vendor-08/05/2025<br>| Business Narrative.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117213 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with correct FICO score provided. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025 <br>Open-Qualifying FICO on the 1008 Page is '779' or blank, but the Qualifying FICO from the Credit Liabilities Page is '782' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per Guidelines page 7 of Credit Requirements, Representative Credit Score: The representative credit score utilized for qualification and pricing of the loan is the credit score of the primary wage earner determined as the median of the three scores (or lesser of two, if only two scores are returned) • Primary wage earner will be the borrower that has the highest monthly income. Primary Wage Earner is B2 with a FICO of 782, Provide updated 1008 with FICO of 782. - Due Diligence Vendor-07/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/04/2025<br>| Resolved-Updated 1008 with correct FICO score provided. - Due Diligence Vendor-08/05/2025<br>| 1008 Transmittal Summary_3.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117213 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception page 925 <br> Exception Reason: Condo project has outstanding critical repairs. Per the reserve study the Fire sprinkler pump needs replacement. This repair has not started yet; it is still being configured by the fire protection company. The Project did confirm that the fire sprinkler is functioning. The subject unit is not affected by this repair. The project currently holds enough in reserves to fund the repair/replacement. Their reserve balance 483,271. - Due Diligence Vendor-07/29/2025 |  | Waived-Exception page 925 <br> Exception Reason: Condo project has outstanding critical repairs. Per the reserve study the Fire sprinkler pump needs replacement. This repair has not started yet; it is still being configured by the fire protection company. The Project did confirm that the fire sprinkler is functioning. The subject unit is not affected by this repair. The project currently holds enough in reserves to fund the repair/replacement. Their reserve balance XXXX. - Due Diligence Vendor-07/29/2025 |  |  | Credit Score is 782. Minimum required per guidelines is 760.<br> Borrower(s) have 10.87 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 50 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117213 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Credit History - Derogatory Accounts Without Sufficient Explanation | Waived-Exception page 925 <br> Exception Reason: Current home has an FHA mortgage. In XXXX, property had a second lien claim filed by HUD for modification of a requested repair deferment. - Due Diligence Vendor-07/29/2025 |  | Waived-Exception page 925 <br> Exception Reason: Current home has an FHA mortgage. In XXXX, property had a second lien claim filed by HUD for modification of a requested repair deferment. - Due Diligence Vendor-07/29/2025 |  |  | Credit Score is 782. Minimum required per guidelines is 760.<br> Borrower(s) have 10.87 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 50 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117214 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement Cost Estimator document provided. Updated & resolved. - Due Diligence Vendor-08/05/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-08/04/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' Hazard Insurance Coverage Amount of $XXXXis less than Required Coverage Amount of $XXXX. Provide updated HOI Policy or an RCE. - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. See attached - Seller-08/04/2025<br>| Resolved-Replacement Cost Estimator document provided. Updated & resolved. - Due Diligence Vendor-08/05/2025 <br> Resolved-Hazard Insurance Coverage Amount of $XXXX is equal to or greater than Required Coverage Amount of $XXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'No') - Due Diligence Vendor-08/05/2025 | Property Insurance - Replacement Cost Estimator.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117214 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 with correct FICO score provided.<br> - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. See attached - Seller-08/04/2025 <br> Open-Qualifying FICO on the 1008 Page is '696' or blank, but the Qualifying FICO from the Credit Liabilities Page is '741' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per GL requirements dated XXXX The representative credit score utilized for qualification and pricing of the loan is the credit score of the primary wage earner determined as the median of the three scores. The Qualifying FICO on the Credit Liabilities page is 741; however, the 1008 page shows the Qualifying FICO as 696. Provide updated 1008 with FICO Score of 741.<br> - Due Diligence Vendor-07/29/2025 | Ready for Review-Document Uploaded. See attached - Seller-08/04/2025<br>| Resolved-Updated 1008 with correct FICO score provided.<br> - Due Diligence Vendor-08/05/2025<br>| 1008 Transmittal Summary.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117215 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Rural property with Max CLTV 75%, exception to 80% - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. Purchase Exception Approval - Rural - Seller-08/04/2025 <br>Open-Audited LTV Exceeds Guideline LTV Subject is located in Rural area, hence per guideline 04/02/2025 matrix, max LTV should be 75%, however subject has a LTV of 80%. - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. Purchase Exception Approval - Rural - Seller-08/04/2025<br>| Waived-Rural property with Max CLTV 75%, exception to 80% - Due Diligence Vendor-08/05/2025<br>| Purchase Exception - Rural.pdf |  | XXXX of residual funds ($ XXXX Required), Good FICO of 762, 14 years of no derogs, housing history 0x30x31 | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350117215 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation (XXXX SSR) Provided.<br> - Due Diligence Vendor-08/04/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-08/01/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA.<br> - Due Diligence Vendor-07/30/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/01/2025<br>| Resolved-Secondary Valuation or Additional Valuation (XXXX SSR) Provided.<br> - Due Diligence Vendor-08/04/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/04/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117215 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.489%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 379 and the Final Closing disclosure on page # 200-205 reflects escrows. Rate lock on page # 405-406. An interior and exterior appraisal was completed for this property – see page # 35-70 and the appraisal disclosure was provided to the borrower(s)- see page # 33, 34 and confirmation the appraisal was delivered to the borrower(s) - see page # 33, 34. The loan meets HPML guidelines. - Due Diligence Vendor-07/30/2025 <br>Open- - Due Diligence Vendor-08/01/2025 <br>Open- - Due Diligence Vendor-07/30/2025 <br>Open- - Due Diligence Vendor-07/30/2025 |  | Resolved-The loan's (8.489%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 379 and the Final Closing disclosure on page # 200-205 reflects escrows. Rate lock on page # 405-406. An interior and exterior appraisal was completed for this property – see page # 35-70 and the appraisal disclosure was provided to the borrower(s)- see page # 33, 34 and confirmation the appraisal was delivered to the borrower(s) - see page # 33, 34. The loan meets HPML guidelines. - Due Diligence Vendor-07/30/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117216 |  |  | Closed | XXXX | XXXX | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Missing Anti-steering acknowledged by lender. - Due Diligence Vendor-08/05/2025 <br>Ready for Review-XXXX acknowledges missing disc - Buyer-08/04/2025 <br>Open-Anti-steering disclosure not in the file. - Due Diligence Vendor-07/31/2025 |  | Acknowledged-Missing Anti-steering acknowledged by lender. - Due Diligence Vendor-08/05/2025<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX | 4350117216 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage is less than loan amount, provided Supplemental Title document, changes made in system, Finding Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. - Buyer-08/04/2025 <br> Open-Title Coverage Amount of $0 is Less than Loan Amount Loan amount is missing in Title Report. - Due Diligence Vendor-07/30/2025 |  | Resolved-Title coverage is less than loan amount, provided Supplemental Title document, changes made in system, Finding Resolved - Due Diligence Vendor-08/05/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/05/2025 | PRELIM _ TITLE COMMITMENT-545.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117216 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Business purpose Affidavit Initials check box is missing in file, provided updated Business Purpose, changes made in system, Finding Resolved - Due Diligence Vendor-08/05/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-08/05/2025 <br>Ready for Review-Document Uploaded. - Buyer-08/04/2025 <br>Open-The 1008 Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the 1008 is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Check box is not marked in provided Business Purpose affidavit page #1223. - Due Diligence Vendor-07/30/2025 |  | Resolved-Business purpose Affidavit Initials check box is missing in file, provided updated Business Purpose, changes made in system, Finding Resolved - Due Diligence Vendor-08/05/2025 <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (1008 Page Loan Type is Conventional.) - Due Diligence Vendor-08/05/2025<br>| BPA XXXXX1.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117217 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Exception on page#406.<br> Requesting to use gifted down payment assets from family member who will also be 33% owner of the LLC we are closing title under. They will be owner of LLC but not be on the loan. - Due Diligence Vendor-07/31/2025 |  | Waived-Exception on page#406.<br> Requesting to use gifted down payment assets from family member who will also be 33% owner of the LLC we are closing title under. They will be owner of LLC but not be on the loan. - Due Diligence Vendor-07/31/2025<br>|  |  | Borrower(s) have 8.97 months Reserves. Minimum required per guidelines is 6 months.<br> Credit Score is 771. Minimum required per guidelines is 740.<br> Borrower Housing History is 0X30, 42 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117218 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rent Free Letter provided. Resolved. - Due Diligence Vendor-08/08/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. Rent Free Letter - Seller-08/06/2025 <br>Open-Housing History Does Not Meet Guideline Requirements Rent Free letter from Family missing from file. <br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Rent Free Letter - Seller-08/06/2025<br>| Resolved-Rent Free Letter provided. Resolved. - Due Diligence Vendor-08/08/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/08/2025<br>| LOE.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117218 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Updated income calc worksheet provided that matches 1003, 1008. Resolved - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. Income Worksheet - Seller-08/05/2025 <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender income calculation worksheet on page # 375 shows qualifying income as $XXXX Initial 1003 reflects Income of $XXXand Final 1003 reflects income of $XXXX LOX for Income of $XXXX missing. - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. Income Worksheet - Seller-08/05/2025<br>| Resolved-Updated income calc worksheet provided that matches 1003, 1008. Resolved - Due Diligence Vendor-08/06/2025<br>| Income Calculation Worksheet.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117218 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/05/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-08/04/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA missing from file<br> - Due Diligence Vendor-07/31/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/04/2025<br>| Resolved-Loan Collateral Advisor with CU score less than or equal to 2.5 provided, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/05/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/05/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117219 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Received notarized Business Purpose Affidavit. Resolved - Due Diligence Vendor-09/02/2025 <br>Ready for Review-Document Uploaded. Please see the attached - Seller-09/02/2025 <br>Counter-Received letter of explanation regarding an Affiliated Business Agreement. This form is not being requested. We need the notarized Business Purpose Affidavit form. Countered - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025 <br>Open- - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see the attached - Seller-09/02/2025 <br>Ready for Review-Document Uploaded. - Seller-08/11/2025<br>| Resolved-Received notarized Business Purpose Affidavit. Resolved - Due Diligence Vendor-09/02/2025<br>| LOX NO ABA.pdf<br> LoanDocs_XXXXX.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117221 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Resolved, received 1008. - Due Diligence Vendor-08/26/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Open-1008 Document is Missing Missing 1008 with correct DTI adding the $200.00 lot rent into the DTI. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Resolved, received 1008. - Due Diligence Vendor-08/26/2025 <br>Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-08/20/2025<br>| 1008 Transmittal Summary_5.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117221 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Credit | DTI discrepancy or failure. | Resolved-Resolved, received new 1003 and 1008. - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. See the attached/updated 1003 - Seller-08/25/2025 <br> Counter-Counter- 1008 received. Provide a new 1003 or credit report that shows matching credit and liability amounts. Payment amounts on the final 1003 do not match the payment amounts on the credit report. Example XXXX one XXXX shows XXXX on 1003 however shows zero on credit report. XXXX shows 139 on the 1003 and XXXX on the credit report. 1003 and credit report should match. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. - Seller-08/19/2025 <br> Open-Credit report in file does not match the final 1003s listed monthly payments along with it not including the monthly expense of the $XXXX lot fee is causing a DTI discrepancy. 1008 ratios 3.95/26.63 and current DTI 3.95/33.09. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. See the attached/updated 1003 - Seller-08/25/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Resolved, received new 1003 and 1008. - Due Diligence Vendor-08/26/2025<br>| 1008 Transmittal Summary_5.pdf<br>1003.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117221 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Does Not Meet Guideline Requirements . - Due Diligence Vendor-08/26/2025 <br> Resolved-Housing History Does Not Meet Guideline Requirements Resolved, received LOX free and clear, LOX no HOI, and letter from landlord for XXXX lot rent. . For properties owned free and clear, a borrower LOE stating owned <br> free and clear is sufficient - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. - Seller-08/18/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Unable to Verify Borrower's Primary Housing History, as per page #503 of Drive Report in the Real Estate Owned Report No Property Listed, Please Confirm if the Primary Property is owned, Free & Clear. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. - Seller-08/18/2025<br>| Resolved-Housing History Does Not Meet Guideline Requirements . - Due Diligence Vendor-08/26/2025 <br> Resolved-Housing History Does Not Meet Guideline Requirements Resolved, received LOX free and clear, LOX no HOI, and letter from landlord for XXXX lot rent. . For properties owned free and clear, a borrower LOE stating owned <br> free and clear is sufficient - Due Diligence Vendor-08/19/2025 | LOX on Lot Rent from landlord.pdf<br> LOX on REO and Taxes.pdf<br> LOX on HOI and no loans.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117222 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-08/08/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/08/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-08/07/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 UCDP report is missing in file, the loan has only primary appraisal. - Due Diligence Vendor-08/01/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/07/2025<br>| Resolved-Loan Collateral Advisor with CU score less than 2.5 provided, Verified & entered in system - Resolved - Due Diligence Vendor-08/08/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/08/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117223 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (8.626%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 477 and the Final Closing disclosure on page # 346-350 reflects escrows. Rate lock on page # 498. An interior and exterior appraisal was completed for this property – see page # 27-61 and the appraisal disclosure was provided to the borrower(s)- see page # 25, 26 and confirmation the appraisal was delivered to the borrower(s) - see page # 395. The loan meets HPML guidelines. - Due Diligence Vendor-08/04/2025 <br>Open- - Due Diligence Vendor-08/05/2025 <br>Open- - Due Diligence Vendor-08/04/2025 |  | Resolved-The loan's (8.626%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 477 and the Final Closing disclosure on page # 346-350 reflects escrows. Rate lock on page # 498. An interior and exterior appraisal was completed for this property – see page # 27-61 and the appraisal disclosure was provided to the borrower(s)- see page # 25, 26 and confirmation the appraisal was delivered to the borrower(s) - see page # 395. The loan meets HPML guidelines. - Due Diligence Vendor-08/04/2025 |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117224 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025 <br> Resolved-The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. It shows a media payment but even more importantly, it shows XXXX for XXXXor $XXXX that matches his contract. Funds are adequately documented. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-UW explanation: The borrower is a minor league baseball player – the contract in file shows the funds that he was to be paid per his contract and there are documents also in the file that shows the borrower incorporated around XXXX to XXXX. <br> The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. <br> See bottom snip it. It shows a media payment but even more importantly, it shows XXXX for XXXX for $XXXX that matches his contract. <br> The account is over 30 days old and had an opening statement plus a transaction history. <br> There should be no reason why we couldn't use the funds in this account as we are able to tie it to what his contract states and it shows the payment in his name.<br> I have also attached the copy of the XXXX that was filed showing the borrower as the president.<br> Mom and Dad are on there with him, as support, just as his personal account with all three of them together as our borrower is not yet XXXX.<br> - Seller-08/27/2025 <br> Counter-Asset Record 2 Does Not Meet G/L Requirements Without funds from XXXX, assets short by $XXXX - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Bank stmt #XXXX Transaction History and that goes with Bank stmt #XXXX XXXX. The borr just incorporated in XXXX and had newly opened this other account XXXX. - Seller-08/21/2025 <br> Open-Asset Record 2 Does Not Meet G/L Requirements Provide the proof of amount XXXX A/c No : XXXX $XXXX it is reflecting in Final 1003 proof of document missing. - Due Diligence Vendor-08/05/2025 | Ready for Review-UW explanation: The borrower is a minor league baseball player – the contract in file shows the funds that he was to be paid per his contract and there are documents also in the file that shows the borrower incorporated around XXXX to XXXX<br> The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. <br> See bottom snip it. It shows a media payment but even more importantly, it shows XXXX for XXXX for $XXXX that matches his contract. <br> The account is over 30 days old and had an opening statement plus a transaction history. <br> There should be no reason why we couldn't use the funds in this account as we are able to tie it to what his contract states and it shows the payment in his name.<br> I have also attached the copy of the XXXX that was filed showing the borrower as the president.<br> Mom and Dad are on there with him, as support, just as his personal account with all three of them together as our borrower is not yet 21 yrs old.<br> - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. Bank stmt #XXXX Transaction History and that goes with Bank stmt #XXXX XXXX. The borr just incorporated in XXXX and had newly opened this other account XXXX. - Seller-08/21/2025 | Resolved-Asset Record 2 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-09/12/2025 <br> Resolved-The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. It shows a media payment but even more importantly, it shows XXXX for XXXX for XXXX that matches his contract. Funds are adequately documented. - Due Diligence Vendor-08/29/2025 | XXXX bk stmts.pdf<br> XXXX bk stmts.pdf<br> Access Letter.pdf<br> 1003.pdf<br> XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117224 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Income/Employment | Borrower 1 Personal Bank Statements Less Than 12 Months Provided | Resolved-The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. It shows a media payment but even more importantly, it shows XXXX for XXXX for $XXXX that matches his contract. Funds are adequately documented. - Due Diligence Vendor-08/29/2025 <br> Ready for Review-UW explanation: The borrower is a minor league baseball player – the contract in file shows the funds that he was to be paid per his contract and there are documents also in the file that shows the borrower incorporated around XXXX to XXXX <br> The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. <br> See bottom snip it. It shows a media payment but even more importantly, it shows XXXX for XXXX for $XXXX that matches his contract. <br> The account is over 30 days old and had an opening statement plus a transaction history. <br> There should be no reason why we couldn't use the funds in this account as we are able to tie it to what his contract states and it shows the payment in his name.<br> I have also attached the copy of the XXXX that was filed showing the borrower as the president.<br> Mom and Dad are on there with him, as support, just as his personal account with all three of them together as our borrower is not yet 21 yrs old. - Seller-08/27/2025 <br> Counter-without the funds in XXXX to qualify, assets are short by $XXXX - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. Only XXXX was used to qualify – XXXX is a new account formed - Seller-08/21/2025 <br> Open-Lender used 2 accounts (XXXX XXXX & XXXX) for income calculation, however 12 months statements for XXXX #XXXX missing from file - Due Diligence Vendor-08/05/2025 | Ready for Review-UW explanation: The borrower is a minor league baseball player – the contract in file shows the funds that he was to be paid per his contract and there are documents also in the file that shows the borrower incorporated around XXXX to XXXX<br> The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. <br> See bottom snip it. It shows a media payment but even more importantly, it shows XXXX for XXXX for $XXXX that matches his contract. <br> The account is over 30 days old and had an opening statement plus a transaction history. <br> There should be no reason why we couldn't use the funds in this account as we are able to tie it to what his contract states and it shows the payment in his name.<br> I have also attached the copy of the XXXX that was filed showing the borrower as the president.<br> Mom and Dad are on there with him, as support, just as his personal account with all three of them together as our borrower is not yet 21 yrs old.<br> - Seller-08/27/2025 <br> Ready for Review-Document Uploaded. Bank stmt #XXXX Transaction History and that goes with Bank stmt #XXXX XXXX. The borr just incorporated in XXXX and had newly opened this other account XXXX. - Seller-08/21/2025 | Resolved-The deposits into that account match the contractual amounts and dates the borrower gets his bonuses. It shows a media payment but even more importantly, it shows XXXX for XXXX for XXXX that matches his contract. Funds are adequately documented. - Due Diligence Vendor-08/29/2025<br>| XXXX bk stmts.pdf<br> XXXX bk stmts.pdf<br> Access Letter.pdf<br> 1003.pdf<br> XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117224 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Updated Final 1003 with housing marked as No Primary housing expense and LOX on Rent Free uploaded, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/22/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Updated 1003 with rent free letter - Seller-08/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XXXX on page#27, the borrower is required to have a 12 months housing history. Primary Mortgage or Rent Months updated as 0 due Borrower rents the primary residence for $XXXX at " XXXX " but there is no 12 months rent history and there is no VOR available in the file. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Updated 1003 with rent free letter - Seller-08/21/2025<br>| Resolved-Updated Final 1003 with housing marked as No Primary housing expense and LOX on Rent Free uploaded, Housing History Meets Guideline Requirements, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/22/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/22/2025<br>| Rent Free.pdf<br> 1003.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117224 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (8.349%) APR equals or exceeds the Federal HPML threshold of (8.29%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s356 and the Final Closing disclosure on Pg#'s198, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s375,364,187. An interior and exterior appraisal was completed for this property – see pg#'s28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s25,27. and confirmation the appraisal was delivered to the borrower – see Pg#'239. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2025 <br>Open- - Due Diligence Vendor-08/05/2025 <br>Open- - Due Diligence Vendor-08/05/2025 <br>Open- - Due Diligence Vendor-08/05/2025 |  | Resolved-The loan's (8.349%) APR equals or exceeds the Federal HPML threshold of (8.29%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.79%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s356 and the Final Closing disclosure on Pg#'s198, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s375,364,187. An interior and exterior appraisal was completed for this property – see pg#'s28, the appraisal disclosure was provided to the borrower(s)- see Pg#'s25,27. and confirmation the appraisal was delivered to the borrower – see Pg#'239. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/05/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117225 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception approval available in these findings:<br> "Reserves less than 6 months required. Program requires 6 months $XXXXbut only have 5.25 months $XXXX" - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Exception Approval - Reserves - Seller-08/22/2025 <br> Open-Audited Reserves of 5.25 month(s) are less than Guideline Required Reserves of 6 month(s) • Loan is short reserves. LTV is 90%, so, per the Matrix, 6 months reserves is needed for an LTV over 80%. Total Assets is XXXX– Cash to Close per the Final CD $XXXX = $XXXXpost-close assets for reserves. Reserves needed is $XXXX ($XXXX PITIA x 6 months). Therefore, the loan is short the needed reserves amount by $XXXX. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Exception Approval - Reserves - Seller-08/22/2025<br>| Waived-Exception approval available in these findings:<br> "Reserves less than 6 months required. Program requires 6 months $14,566.74 but only have 5.25 months $12,747.52." - Due Diligence Vendor-08/22/2025<br>| XXXX.pdf |  | (1) DTI of 36.32% is less than the max of 50% by 13.68%.<br> (2) Borrower has been an independent cab driver (self-employed) for over 10 years.<br> (3) Over 6 satisfactory accounts reporting for over 24 months on credit report.<br> (4) Qualifying FICO of 770 is over the minimum of 740 by 30 FICO points. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | 4350117225 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/08/2025 <br>Open-Fraud Report Shows Uncleared Alerts • The CoreLogic XXXX Alerts Summary document shows a total of 4 High alerts, only 3 of which were cleared. Please provide the documentation that shows all alerts were reviewed & cleared. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/08/2025<br>| Resolved-All Fraud Report Alerts have been cleared. - Due Diligence Vendor-08/11/2025<br>| Cleared Alerts.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117225 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved-A new PCCD received with the overage fees (Credit Report & Title Search) being moved to Seller-Paid. Updated Mavent & the TRID review now passes. Resolved. - Due Diligence Vendor-08/07/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee, Title Search. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). • Credit Report increased from $XXXX on the Revised CD datedXXXX to $XXXX ($XXXX + $XXXX POC) on the Final CD dated XXXX No COC was provided. - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/05/2025 <br> Open- - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. PCCD - Seller-08/06/2025<br>| Resolved-A new PCCD received with the overage fees (Credit Report & Title Search) being moved to Seller-Paid. Updated Mavent & the TRID review now passes. Resolved. - Due Diligence Vendor-08/07/2025<br>| Loan_XXXX_POSTCLOSE_XXXXT21_18_15.894Z.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117225 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Mavent | Fees: Limited | Resolved-PCCD received showing the Title Search Fee to "XXXX Agency," which is on the provider's List. System updated. Resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-08/06/2025 <br> Open-• Title Search Fee increased from $XXXX on the LEs dated XXXX &XXXX to $XXXXon the Initial CD dated XXXX (section C "Misc Fee - Title" to $XXXX on the Final CD dated XXXX (section B labeled "Title Search Fee"). On the Final CD, no provider name was listed. Unable to determine if it is on the Provider's list or not. And no COC was provided for the increase from $XXXXto $XXXX - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. PCCD - Seller-08/06/2025<br>| Resolved-PCCD received showing the Title Search Fee to "XXXX Agency," which is on the provider's List. System updated. Resolved. - Due Diligence Vendor-08/06/2025<br>| XXXX PCCD.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117225 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | TRID | Final CD: Closing Cost Detail fee(s) not disclosed in the proper section based on ability to shop | Resolved-PCCD received showing the Title Search Fee to "XXXX," which is on the provider's List. System updated. Resolved. - Due Diligence Vendor-08/06/2025 <br> Ready for Review-Document Uploaded. PCCD - Seller-08/06/2025 <br> Open-• Title Search Fee on the Final CD (section B, item #11) does not have a provider listed. Unable to determine if the it is on the Provider's List or not. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. PCCD - Seller-08/06/2025<br>| Resolved-PCCD received showing the Title Search Fee to "XXXX Agency," which is on the provider's List. System updated. Resolved. - Due Diligence Vendor-08/06/2025<br>| XXXX PCCD.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117225 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-08/06/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-08/05/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/06/2025<br>| Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/06/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117226 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception in File p648: Use gift funds for funds to close and reserves on a second home purchase ($XXXX personal balances, with $XXXX contributed by spouse as donor). - Due Diligence Vendor-08/12/2025 <br> Waived-Exception in File p648:<br> Use gift funds for funds to close and reserves on a second home purchase ($XXXX personal balances, with $XXXX contributed by spouse as donor). - Due Diligence Vendor-08/06/2025 <br> Open- - Due Diligence Vendor-08/06/2025 |  | Waived-Exception in File p648: Use gift funds for funds to close and reserves on a second home purchase ($70K personal balances, with $395K contributed by spouse as donor). - Due Diligence Vendor-08/12/2025 <br>Waived-Exception in File p648:<br> Use gift funds for funds to close and reserves on a second home purchase ($70K personal balances, with $395K contributed by spouse as donor). - Due Diligence Vendor-08/06/2025<br>|  |  | Borrower has worked in same job more than 3 years.<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Max DTI allowed for program is 50%. Borrower has 35.90% DTI. | XXXX | Second Home | Purchase | NA | XXXX | Originator Pre-Close | No |
| XXXX | XXXX | 4350117226 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Credit | DTI discrepancy or failure. | Resolved-Received 1008 and explanation for adding in borrowers rental property escrow. Resolved - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. From UW final 1008 reflects DTI 38.45 % is correct which includes HOA, taxes & insurance for rental property - DTI of 35.90% does includes Taxes & insurance of borrowers rental property owned. - Seller-08/11/2025 <br>Open-Provide updated 1008. The DTI has 38.30% whereas Audited DTI is 35.90%. Variance of 2.4% is due to discrepancy in All Other Monthly Payments. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. From UW final 1008 reflects DTI 38.45 % is correct which includes HOA, taxes & insurance for rental property - DTI of 35.90% does includes Taxes & insurance of borrowers rental property owned. - Seller-08/11/2025<br>| Resolved-Received 1008 and explanation for adding in borrowers rental property escrow. Resolved - Due Diligence Vendor-08/12/2025<br>| 1008 Transmittal Summary_.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117226 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested Housing History for 12+ Months Provided, Updated & Condition resolved. - Due Diligence Vendor-08/12/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/12/2025 <br> Ready for Review-Document Uploaded. please see comments on 1008 transmittal and previous housing history on credit report: Current primary no housing expense - property & mortgage are in spouse's name only - borrower has no obligation- previous primary housing property sold - previous mortgage with XXXX & XXXX # XXXX reflected on credit report - 0x30 mortgage history for previous 33 months - Seller-08/11/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Provide VOM or 12 month housing history. Received rent free letter covering 2 months of history. - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. please see comments on 1008 transmittal and previous housing history on credit report: Current primary no housing expense - property & mortgage are in spouse's name only - borrower has no obligation- previous primary housing property sold - previous mortgage with XXXX&XXXX #XXXX reflected on credit report - 0x30 mortgage history for previous 33 months - Seller-08/11/2025 | Resolved-Requested Housing History for 12+ Months Provided, Updated & Condition resolved. - Due Diligence Vendor-08/12/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/12/2025<br>| HARD PULL.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117226 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/11/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-08/08/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. See attached - Seller-08/08/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/11/2025<br>| XXXX.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117227 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Property | Value | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-FHLMC UCDP/SSR received with an LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-08/06/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-08/06/2025 <br>Open-• Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-08/06/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/06/2025<br>| Resolved-FHLMC UCDP/SSR received with an LCA score of 1.5 and is R&W eligible. - Due Diligence Vendor-08/06/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117227 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-. - Due Diligence Vendor-08/07/2025 <br>Resolved-The loan's (8.657%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #355,360 and the Final Closing disclosure on Pg #213, Finding reflects escrows. Rate lock date was entered correctly – see Pg #380. An interior and exterior appraisal was completed for this property – see Pg #39, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #35,36,386.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/06/2025 <br>Open- - Due Diligence Vendor-08/06/2025 <br>Open- - Due Diligence Vendor-08/06/2025 <br>Open- - Due Diligence Vendor-08/06/2025 |  | Resolved-. - Due Diligence Vendor-08/07/2025 <br>Resolved-The loan's (8.657%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #355,360 and the Final Closing disclosure on Pg #213, Finding reflects escrows. Rate lock date was entered correctly – see Pg #380. An interior and exterior appraisal was completed for this property – see Pg #39, the appraisal disclosure was provided to the borrower and confirmation the appraisal was delivered to the borrower – see Pg #35,36,386.<br> The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/06/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117228 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/13/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/13/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/12/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#610 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/07/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/12/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/13/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/13/2025<br>| Cleared Alerts.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117229 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Property | Property has been listed for sale in the past 6 months | Waived-We have exception in file on page #330 for "Need exception for cash-out seasoning. Borrower took ownership of property on XXXX so we will be a month shy of six. Receipts attached for work they did on property also, to justify use of present appraised value. - Due Diligence Vendor-08/07/2025 |  | Waived-We have exception in file on page #330 for "Need exception for cash-out seasoning. Borrower took ownership of property on XXXX so we will be a month shy of six. Receipts attached for work they did on property also, to justify use of present appraised value. - Due Diligence Vendor-08/07/2025<br>|  |  | Credit Score is 752. Minimum required per guidelines is 700.<br> Borrower(s) have 102.24 months Reserves. Minimum required per guidelines is 6 months.<br> Experienced Investor with 15+ Investment Properties.<br> Borrower has worked in same industry more than 5 years | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117231 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Credit | DTI discrepancy or failure. | Resolved-Back end DTI is less than 2% - resolved - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. UW Response: <br> Our total liabilities are less than XXXX's, see attached<br> - Seller-08/13/2025 <br> Open-1008 shows HTI / DTI as 39.26/41.45 where per our calculations it is 22.71/ 40.41.<br>Audited HTI is based off subject PITIA $XXXX + B2 primary expenses $XXXX / qualifying income $XXXX = 22.71%<br> Audited DTI is based off Total monthly Debts $XXXX / qualifying income $XXXX = 40.41 % (Total Debts include subject PITIA $XXXX + B2 primary expenses $XXXX + credit liabilities XXXX= $XXXX - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. UW Response: <br> Our total liabilities are less than XXXX's, see attached<br> - Seller-08/13/2025<br>| Resolved-Back end DTI is less than 2% - resolved - Due Diligence Vendor-08/14/2025<br>| XXXX UW response Our total liabilities is less than there's.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117231 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-XXXX St property Tax & Insurance is verified & updated in system - Resolved. - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Taxes & Insurance - Seller-08/13/2025 <br> Open-Provide proof of doc taxes and insurances for XXXX as it is not in file. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Taxes & Insurance - Seller-08/13/2025<br>| Resolved-XXXX St property Tax & Insurance is verified & updated in system - Resolved. - Due Diligence Vendor-08/14/2025<br>| Taxes and Ins.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117231 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated 1008 uploaded with corrected FICO, verified & entered in system - Resolved. - Due Diligence Vendor-08/14/2025 <br> Resolved-Validation Resolved - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. 1008 - Seller-08/13/2025 <br> Open-Qualifying FICO on the 1008 Page is '730' or blank, but the Qualifying FICO from the Credit Liabilities Page is '746' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Per guideline XXXX page # 36, The borrower with the higher monthly income is considered the primary borrower and their credit score can be used as the Decision Credit Score. As B2 income is higher, their credit score of 746 should be used for qualification. - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. 1008 - Seller-08/13/2025<br>| Resolved-Updated 1008 uploaded with corrected FICO, verified & entered in system - Resolved. - Due Diligence Vendor-08/14/2025 <br>Resolved-Validation Resolved - Due Diligence Vendor-08/14/2025<br>| 1008.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117231 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Cleared Fraud Report uploaded asper GL requirement, verified & entered in system - Resolved. - Due Diligence Vendor-08/14/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/14/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/13/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 551) is showing 1 high uncleared alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/13/2025<br>| Resolved-Cleared Fraud Report uploaded asper GL requirement, verified & entered in system - Resolved. - Due Diligence Vendor-08/14/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/14/2025<br>| Cleared Alerts.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117231 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX Mac (LCA SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/12/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. XXXX SSR - Seller-08/11/2025 <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 The loan requires a secondary valuation or a UCDP report with a 2.5 or less from CU and/or LCA.<br> - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/11/2025<br>| Resolved-XXXX Mac (LCA SSR) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/12/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/12/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117231 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved- - Due Diligence Vendor-08/14/2025 <br>Resolved-The loan's (8.729%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 34 and the Final Closing disclosure on page # 352-357 reflects escrows. Rate lock on page # 630. An interior and exterior appraisal was completed for this property – see page # 28-56 and the appraisal disclosure was provided to the borrower(s)- see page # 27 and confirmation the appraisal was delivered to the borrower(s) is on page 409. The loan doesn't meets HPML guidelines.<br> - Due Diligence Vendor-08/08/2025 <br>Open- - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/08/2025 |  | Resolved- - Due Diligence Vendor-08/14/2025 <br>Resolved-The loan's (8.729%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 34 and the Final Closing disclosure on page # 352-357 reflects escrows. Rate lock on page # 630. An interior and exterior appraisal was completed for this property – see page # 28-56 and the appraisal disclosure was provided to the borrower(s)- see page # 27 and confirmation the appraisal was delivered to the borrower(s) is on page 409. The loan doesn't meets HPML guidelines.<br> - Due Diligence Vendor-08/08/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117232 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/12/2025 <br>Open-Missing Hazard Insurance Policy. Invoice for HOI in file only. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/12/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/12/2025<br>| Property Insurance - Binder_2.pdf<br> RCE.pdf |  | Resolved, Hazard policy and replacement cost estimator provided. | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117233 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI Exceeds Guideline DTI As per the matrix dated XXXX the maximum allowable DTI is 50%. However, the verified DTI is 54.54%, so an exception was provided on page 518 stating "Asking for exception for DTI at 52.34%. The borrower is currently selling their primary residence which is adding $XXXX/month for taxes and insurance. Once the house is sold the DTI drops below guidelines to 44.42%" - Due Diligence Vendor-08/08/2025 |  | Waived-Audited DTI Exceeds Guideline DTI As per the matrix dated 05-05-2025, the maximum allowable DTI is 50%. However, the verified DTI is 54.54%, so an exception was provided on page 518 stating "Asking for exception for DTI at 52.34%. The borrower is currently selling their primary residence which is adding $727/month for taxes and insurance. Once the house is sold the DTI drops below guidelines to 44.42%" - Due Diligence Vendor-08/08/2025<br>|  |  | Credit Score is 803. Minimum required per guidelines is 760.<br> Borrower(s) have 11.13 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117234 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Change of Circumstance | Resolved-Resolved, received change of circumstance for all changes in points and lenders policy. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Missing change of circumstance for points in section A. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Resolved, received change of circumstance for all changes in points and lenders policy. - Due Diligence Vendor-08/12/2025<br>| Changed Circumstances.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117234 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Resolved, received hazard policy. - Due Diligence Vendor-08/12/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy for subject loan missing from file. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Resolved, received hazard policy. - Due Diligence Vendor-08/12/2025 <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-08/12/2025<br>| Property Insurance - Binder.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117234 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Business Entity EIN Number Missing | Resolved-Resolved, received EIN individual request from IRS.gov. - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Business Entity EIN document missing from file. Need Entity document to verify EIN. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Resolved, received EIN individual request from IRS.gov. - Due Diligence Vendor-08/12/2025<br>| EIN Number LLC.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117234 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Open-Audited LTV of 80% exceeds Guideline LTV of 75% Exception in file on page#306.<br> TO DO CASH OUT FILE AS 80% LTV, WITH 706 CREDIT SCORE <br> - Due Diligence Vendor-08/11/2025 |  |  |  |  | Compensating factors:<br> "Reserves per guideline 6, borrower has 96.1 months reserves.<br> Minimum Fico 700 borrower FICO 706.<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments <br> displaying at least 0x30x12 pay history "<br>| XXXX | Investment | Refinance | Cash Out - Home Improvement/Reno | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117235 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received business narrative. Resolved - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. - Seller-08/12/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-08/11/2025 | Ready for Review-Document Uploaded. - Seller-08/12/2025<br>| Resolved-Received business narrative. Resolved - Due Diligence Vendor-08/12/2025<br>| biz narrative only.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117235 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Assets | Asset General | Waived-We have exception in file on page #527 for Exception request to use gift funds for investment purchase. Borrower and spouse have separate bank accounts and the funds for closing are in the spouses account. The spouse is not on the loan. - Due Diligence Vendor-08/11/2025 |  | Waived-We have exception in file on page #527 for Exception request to use gift funds for investment purchase. Borrower and spouse have separate bank accounts and the funds for closing are in the spouses account. The spouse is not on the loan. - Due Diligence Vendor-08/11/2025<br>|  |  | Credit Score is 808. Minimum required per guidelines is 720.<br> Borrower Housing History is 0X30, 22 months. Housing History required per guidelines is 0X30, 12 months.<br> Job Stability for 5+ Years. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117236 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Replacement cost estimator of $XXXX and evidence of 100% replacement cost coverage provided. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-Document Uploaded. - Seller-09/04/2025 <br> Counter- - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Evidence of guaranteed replacement cost coverage required in addition to the RCE. - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Hazard Insurance Coverage Amount of $XXXX is less than Required Coverage Amount of $XXXX and Guaranteed Replacement Coverage indicator is 'No' - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-09/04/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Replacement cost estimator of XXXX and evidence of 100% replacement cost coverage provided. - Due Diligence Vendor-09/08/2025<br>| Property Insurance - RCE.pdf<br> XXXX UPDATED EOI.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117236 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Resolved, received proof of rate lock. - Due Diligence Vendor-08/29/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/29/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Counter-Counter received rate lock with page 2 float option checked. Once eligible, the Borrower(s) may be required to sign a <br> new Lock Agreement to lock-in the interest rate prior to loan closing. Missing rate lock dated XXXX. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. See page 2 of attached document. - Seller-08/21/2025 <br> Counter-Counter- Provided rate lock agreement dated XXXX with XXXX. FLOAT AUTHORIZATION OPTION checked. COC states rate was locked on XXXX. - Due Diligence Vendor-08/18/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/18/2025 <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025 <br> Ready for Review-Document Uploaded. - Seller-08/14/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Ready for Review-Document Uploaded. See page 2 of attached document. - Seller-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Resolved, received proof of rate lock. - Due Diligence Vendor-08/29/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/29/2025 <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/18/2025<br>| Lock Agreement.pdf<br>Lock Agreement.pdf<br>Lock-in Agreement.pdf |  | Missing rate lock agreement dated XXXX. | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117237 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved- - Due Diligence Vendor-08/12/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/12/2025 <br>Open-Missing Evidence of Property Tax Provide tax cert. - Due Diligence Vendor-08/12/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/12/2025<br>|  | XXXX property tax calcuation.pdf |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117237 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Resolved-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #283 and the Final Closing disclosure on Pg #444 reflects escrows. Rate lock date was entered correctly – see Pg #388 An interior and exterior appraisal was completed for this property – see Pg #44-49, the appraisal disclosure was provided to the borrower(s)- see Pg #384 and copy of the appraisal was given to the borrower – see Pg #30 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/12/2025 <br>Open- - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/11/2025 |  | Resolved-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #283 and the Final Closing disclosure on Pg #444 reflects escrows. Rate lock date was entered correctly – see Pg #388 An interior and exterior appraisal was completed for this property – see Pg #44-49, the appraisal disclosure was provided to the borrower(s)- see Pg #384 and copy of the appraisal was given to the borrower – see Pg #30 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117237 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (8.516%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #283 and the Final Closing disclosure on Pg #444 reflects escrows. Rate lock date was entered correctly – see Pg #388 An interior and exterior appraisal was completed for this property – see Pg #44-49, the appraisal disclosure was provided to the borrower(s)- see Pg #384 and copy of the appraisal was given to the borrower – see Pg #30 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/12/2025 <br>Open- - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/11/2025 |  | Resolved-The loan's (8.516%) APR equals or exceeds the Federal HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.83%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #283 and the Final Closing disclosure on Pg #444 reflects escrows. Rate lock date was entered correctly – see Pg #388 An interior and exterior appraisal was completed for this property – see Pg #44-49, the appraisal disclosure was provided to the borrower(s)- see Pg #384 and copy of the appraisal was given to the borrower – see Pg #30 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117237 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | XXXX - Higher Priced Mortgage Loan (First Lien XXXX)(Conforming) | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.516%) equals or exceeds the XXXX HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.83%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #283 and the Final Closing disclosure on Pg #444 reflects escrows. Rate lock date was entered correctly – see Pg #388 An interior and exterior appraisal was completed for this property – see Pg #44-49, the appraisal disclosure was provided to the borrower(s)- see Pg #384 and copy of the appraisal was given to the borrower – see Pg #30 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/12/2025 <br>Open- - Due Diligence Vendor-08/11/2025 <br>Open- - Due Diligence Vendor-08/11/2025 |  | Resolved-This is a XXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.516%) equals or exceeds the XXXX HPML threshold of (8.33%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.83%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #283 and the Final Closing disclosure on Pg #444 reflects escrows. Rate lock date was entered correctly – see Pg #388 An interior and exterior appraisal was completed for this property – see Pg #44-49, the appraisal disclosure was provided to the borrower(s)- see Pg #384 and copy of the appraisal was given to the borrower – see Pg #30 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-08/11/2025<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117238 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Asset Depletion Income Calculator Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/15/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide Asset Depletion income worksheet for B2.<br> - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Requested Asset Depletion Income Calculator Provided, Updated & Condition Resolved. - Due Diligence Vendor-08/15/2025 <br>Resolved-Validation Resolved' - Due Diligence Vendor-08/15/2025<br>| Asset Depletion Calculator_2.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117238 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Invalid Condition, Audited LTV of 85% is same as Qualifying LTV of 85%, Updated & Condition Resolved. - Due Diligence Vendor-08/15/2025 <br>Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-08/15/2025 <br>Ready for Review-Document Uploaded. - Seller-08/14/2025 <br>Open-Audited LTV of 85% exceeds Guideline LTV of 80% Provide updating pricing or provide an Exception for the LTV exceeding guideline. The max LTV is 80% for the Alt Doc Purchase. Used Primary Wage Earner, Asset Depletion per 1008 comments. Audited LTV of 85% exceeds Guideline LTV of 80%.<br> - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. - Seller-08/14/2025<br>| Resolved-Invalid Condition, Audited LTV of 85% is same as Qualifying LTV of 85%, Updated & Condition Resolved. - Due Diligence Vendor-08/15/2025 <br>Resolved-Audited LTV of 85% is less than or equal to Guideline LTV of 85% - Due Diligence Vendor-08/15/2025<br>| Asset Depletion Calculator_2.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117238 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (8.23%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 330 and the Final Closing disclosure on Pg#'s 101, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 385,398. An interior and exterior appraisal was completed for this property – see pg 57, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 569, and confirmation the appraisal was delivered to the borrower – see Pg#'s 83. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/13/2025 <br>Open- - Due Diligence Vendor-08/13/2025 |  | Resolved-The loan's (8.23%) APR equals or exceeds the Federal HPML threshold of (8.17%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.67%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 330 and the Final Closing disclosure on Pg#'s 101, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 385,398. An interior and exterior appraisal was completed for this property – see pg 57, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 569, and confirmation the appraisal was delivered to the borrower – see Pg#'s 83. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/13/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117239 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/19/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/18/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 423) is showing 1 high uncleared alert. The required cleared report is missing. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/18/2025<br>| Resolved-Updated Fraud Report with cleared alerts uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/19/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/19/2025<br>| Cleared Alerts.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117239 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/19/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/19/2025 <br>Ready for Review-Document Uploaded. VVOE not required on a Bank Statement income file. But attached is evidence business is in good standing - Seller-08/18/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VVOE as it is missing from file. - Due Diligence Vendor-08/13/2025 | Ready for Review-Document Uploaded. VVOE not required on a Bank Statement income file. But attached is evidence business is in good standing - Seller-08/18/2025<br>| Resolved-Borrower 1 3rd Party VOE uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/19/2025 <br>Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/19/2025<br>| Good Standing.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117240 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Resolved, received property tax certificate.$XXXX / XXXX (total taxable value on tax cert) = .0064 <br> .0064 x $XXXX (new purch price) XXXX <br> XXXX + XXXX (personal property tax listed on title) XXXX<br> XXXX / 12 = XXXX- Due Diligence Vendor-08/26/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-08/26/2025 <br> Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Counter-Counter- Title commitment in file shows $XXXX and personal property taxes in the amount of $XXXX. Missing updated commitment with the tax breakdown or a tax certification with breakdown. - Due Diligence Vendor-08/20/2025 <br> Ready for Review-XXXX/XXXX=.0064 x XXXX = XXXX +XXXX (Personal Prop Tax listed on title) = XXXX/12=XXXX- Seller-08/19/2025 <br> Open-Missing Evidence of Property Tax Taxes as per Tax Cert is $XXX whereas Final CD,FPL & 1008 shows $XXXX monthly. Need updated Tax cert with correct Tax amount. - Due Diligence Vendor-08/15/2025 | Ready for Review-Document Uploaded. - Seller-08/25/2025 <br> Ready for Review-XXXX/XXXX=.0064 x XXXX= XXXX +XXXX (Personal Prop Tax listed on title) =XXXX/12=XXXX- Seller-08/19/2025 | Resolved-Resolved, received property tax certificate.$XXXX / XXXX (total taxable value on tax cert) = .0064 <br> .0064 x $XXXX (new purch price) = XXXX <br> XXXX (personal property tax listed on title) = XXXX <br> XXXX - Due Diligence Vendor-08/26/2025 <br> Resolved-Evidence of Property Tax is present - Due Diligence Vendor-08/26/2025 | Email- from LOX.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117240 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/20/2025 <br>Ready for Review-Document Uploaded. - Seller-08/19/2025 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. - Seller-08/19/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-08/20/2025<br>| Lock Agreement.pdf |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117240 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-1. The project has outstanding critical repairs. The south building is underway for major concrete repairs and rehabilitation project. Repairs are not complete as this is an ongoing project. The ETA for completion is XXXX. As a result of the repairs, the south building will be closed with no occupancy from XXXX XXXX – XXXX. Subject unit is NOT affected by the south building closure with the exception that the indoor pool is closed and not accessible and currently the boardwalk to the beach is closed to access onto the beach located at the east side of the property. Full project cost=$XXXX. Project is<br> funded/being funded by three special assessments—building repairs, insurance, and a planned special assessment for additional building repairs. The first Special Assessment in place for building repairs equals $XXXX. The planned Special Assessment is due 9/1 for additional building repairs equals $XXXX. Special assessment delinquency is only at 3% (our unit has paid in full except for the final assessment as it is not due until XXXX). Exception approved on page 700. - Due Diligence Vendor-08/15/2025 |  | Waived-1. The project has outstanding critical repairs. The south building is underway for major concrete repairs and rehabilitation project. Repairs are not complete as this is an ongoing project. The ETA for completion is XXXX. As a result of the repairs, the south building will be closed with no occupancy from July 28, 2025 – November 2025. Subject unit is NOT affected by the south building closure with the exception that the indoor pool is closed and not accessible and currently the boardwalk to the beach is closed to access onto the beach located at the east side of the property. Full project cost=$XXXX. Project is<br> funded/being funded by three special assessments—building repairs, insurance, and a planned special assessment for additional building repairs. The first Special Assessment in place for building repairs equals $XXXX. The planned Special Assessment is due 9/1 for additional building repairs equals $XXXX. Special assessment delinquency is only at XXXX% (our unit has paid in full except for the final assessment as it is not due until 9/1). Exception approved on page 700. - Due Diligence Vendor-08/15/2025 |  |  | Compensating Factors:<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Borrower(s) have 344.76 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Second Home | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117242 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Received Condo questionnaire. Resolved - Due Diligence Vendor-08/19/2025 <br> Resolved-HOA Questionnaire is Present - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Esign log on last page - Seller-08/19/2025 <br> Open-HOA Questionnaire is Missing or Partial. Provide Condo Questionnaire. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Esign log on last page - Seller-08/19/2025<br>| Resolved-Received Condo questionnaire. Resolved - Due Diligence Vendor-08/19/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-08/19/2025<br>| Condo Questionnaire.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117243 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX Master policy was in effect at time of close. Lender is only concerned with master per email in findings. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. loan is able to close since property was in a condo. attached email - Seller-08/22/2025 <br> Open-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX Provide HO-6 policy effective on or before the Note date of XXXX. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. loan is able to close since property was in a condo. attached email - Seller-08/22/2025<br>| Resolved-HO-6 Insurance Policy Effective Date of 0XXXX is after the Note Date of 0XXXX Master policy was in effect at time of close. Lender is only concerned with master per email in findings. - Due Diligence Vendor-08/25/2025<br>| Miscellaneous.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117243 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. - Seller-08/20/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. - Seller-08/20/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/21/2025<br>| Signed - Business Narrative.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117243 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception Provided on page#804:<br> 1) The LLC is identified as a vehicle for conducting real estate business; however, the language also allows for broader, open-ended activities beyond real estate. Given that the primary intent of the LLC aligns with real estate investment and the borrower's use of the property is consistent with program guidelines, we kindly ask for consideration of an exception to allow this purpose language. 2) Condo exception - Project has outstanding roof repairs. The XXXX milestone inspection report indicated the roof was in poor condition and needed to be replaced. The roof project is ongoing and is expected to be finished in early 2026. The subject unit is NOT affected by these repairs. The cost estimated for the repairs is $XXXX. The Project has adequate reserves to fund the repairs with a current balance of $XXXX. They also allocate 30.2% in reserves annually, which demonstrates financial stability. 3. The subject's size is slightly under the required living area requirement of 475sf. The unit is<br> XXXXsf living area. <br> - Due Diligence Vendor-08/19/2025 |  | Waived-Exception Provided on page#804:<br> 1) The LLC is identified as a vehicle for conducting real estate business; however, the language also allows for broader, open-ended activities beyond real estate. Given that the primary intent of the LLC aligns with real estate investment and the borrower's use of the property is consistent with program guidelines, we kindly ask for consideration of an exception to allow this purpose language. 2) Condo exception - Project has outstanding roof repairs. The 2023 milestone inspection report indicated the roof was in poor condition and needed to be replaced. The roof project is ongoing and is expected to be finished in early 2026. The subject unit is NOT affected by these repairs. The cost estimated for the repairs is $XXXX. The Project has adequate reserves to fund the repairs with a current balance of $XXXX. They also allocate XXXX% in reserves annually, which demonstrates financial stability. 3. The subject's size is slightly under the required living area requirement of 475sf. The unit is<br> XXXXsf living area. <br> - Due Diligence Vendor-08/19/2025 |  |  | Compensating Factors:<br> DTI is 21.98%. Maximum allowed per guidelines is 50%.<br> Credit Score is 780. Minimum required per guidelines is 720.<br> Borrower(s) have 119.9 months Reserves. Minimum required per guidelines is 6 months. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117244 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline XXXX page # 26 a clear fraud report is required. The fraud report in file (page # 410) is showing 2 high uncleared alerts. The required cleared report is missing. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/19/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/19/2025<br>| Cleared Alerts.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117244 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/19/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/19/2025 <br> Ready for Review-Document Uploaded. Title Policy - Seller-08/18/2025 <br> Open-Title Coverage Amount of $XXXX is Less than Loan Amount Provide updated tile covering full loan amount as the one on file shows coverage amount as $XXXX which is lower than the loan amount of $XXXX - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Title Policy - Seller-08/18/2025<br>| Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXX is equal to Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-08/19/2025 <br> Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/19/2025 | XXXX Title Insurance Policy.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117244 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (8.843%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 428 and the Final Closing disclosure on page # 217-221 reflects escrows. Rate lock on page # 462. An interior and exterior appraisal was completed for this property – see page # 33-63 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower(s) is - see page # 31, 32. The loan meets HPML guidelines. - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 <br>Open- - Due Diligence Vendor-08/18/2025 |  | Resolved-The loan's (8.843%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 428 and the Final Closing disclosure on page # 217-221 reflects escrows. Rate lock on page # 462. An interior and exterior appraisal was completed for this property – see page # 33-63 and the appraisal disclosure was provided to the borrower(s)- see page # 31, 32 and confirmation the appraisal was delivered to the borrower(s) is - see page # 31, 32. The loan meets HPML guidelines. - Due Diligence Vendor-08/18/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117245 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Compliance | HigherPriced:APR | XXXX - Rate Spread Home Loan (First Lien XXXX)(Conforming) | Waived-Waived per external counsel. - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Condition still showing as 'open' with no new comments. Please clear or provide clarification on what is being asked for - Seller-08/26/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Will you please clear/resolve this condition. At the end of the condition it states "With that being stated condition below should be cleared". - Seller-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Compliance Response: The state of XXXX does allow for HPML loans where the APOR exceed the 1.50% limit. This loan meets XXXX's HPML requirements and XXXX state requirements. With that being stated condition below should be cleared - Seller-08/22/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open-The loan's (8.733%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.75%).(XXXX. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Compliance response - we have a CE pass, see the "Findings Summary" section of attached - Seller-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-The loan's (8.733%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.75%).(XXXX. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) APR as per Final CD on page#188 is 8.683% updated as per document and Prepaid Interest dates & Undiscounted Rate on page#545 Rate $8.375 updated as per document. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 | Ready for Review-Condition still showing as 'open' with no new comments. Please clear or provide clarification on what is being asked for - Seller-08/26/2025 <br> Ready for Review-Will you please clear/resolve this condition. At the end of the condition it states "With that being stated condition below should be cleared". - Seller-08/25/2025 <br> Ready for Review-Compliance Response: The state of XXXX does allow for HPML loans where the APOR exceed the 1.50% limit. This loan meets XXXX's HPML requirements and XXXXstate requirements. With that being stated condition below should be cleared - Seller-08/22/2025 <br> Ready for Review-Document Uploaded. Compliance response - we have a CE pass, see the "Findings Summary" section of attached - Seller-08/19/2025 | Waived-Waived per external counsel. - Due Diligence Vendor-08/27/2025<br>| download (1).pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX | 4350117245 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Assets | Asset General | Resolved-EMD cleared. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. EMD $XXXX<br> Due diligence Fee $XXXX<br> - Seller-08/25/2025 <br> Open-We have Earnest Money Funds $XXXX as per the Final CD & F1003 but proof of document is missing in file, please provide. - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. EMD XXXX<br> Due diligence Fee $XXXX<br> - Seller-08/25/2025 | Resolved-EMD cleared. - Due Diligence Vendor-08/25/2025<br>| XXXX EMD.pdf<br> Purchase Contract Addendum.pdf<br> signed buyer cd.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117245 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-16.89 months of reserves. - Due Diligence Vendor-08/25/2025 <br> Ready for Review-We should have plenty of assets available even after reserves are meant<br>- Seller-08/21/2025 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Provide additional Assets. We have verified However it is not meeting the reserves requirement, Provide additional Assets to meet Reserves Requirement. Total Reserve Amount Shortage is $XXXX.<br> - Due Diligence Vendor-08/18/2025 | Ready for Review-We should have plenty of assets available even after reserves are meant<br>- Seller-08/21/2025<br>| Resolved-16.89 months of reserves. - Due Diligence Vendor-08/25/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117245 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (XXXX) | Resolved- - Due Diligence Vendor-08/25/2025 <br> Resolved- - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Please clear condition or provide updated comments as to why it is not being cleared - Seller-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Document Uploaded. $XXXX cure check, lox, PCCD & tracking - Seller-08/22/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open-CoC's in file do not have what fees were changed from CD to CD. <br> The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/20/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Appraisal Fee increased from Initial CD on page#179 Date XXXX Fee $XXXX to Final CD on page#184 Date XXXX Fee is #XXXX. Provide the COC for Final CD Date XXXX Increases of Appraisal Fee. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 | Ready for Review-Please clear condition or provide updated comments as to why it is not being cleared - Seller-08/25/2025 <br> Ready for Review-Document Uploaded. $XXXX cure check, lox, PCCD & tracking - Seller-08/22/2025 | Resolved- - Due Diligence Vendor-08/25/2025<br>| XXXX $XXXX cure check, lox, PCCD & tracking.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117245 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Requested Alerts Cleared Report Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-08/22/2025 <br> Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/22/2025 <br> Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/21/2025 <br> Open-Fraud Report Shows Uncleared Alerts Per the guideline Version XXXX on page#26 a clear fraud report is required. The fraud report in file pg#335 is showing a High alert. The required cleared report is missing.<br> - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Cleared Alerts - Seller-08/21/2025<br>| Resolved-Requested Alerts Cleared Report Provided, Updated & Condition resolved.<br> - Due Diligence Vendor-08/22/2025 <br>Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-08/22/2025<br>| Cleared Alerts.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117245 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD updated. - Due Diligence Vendor-08/20/2025 <br> Resolved- - Due Diligence Vendor-08/20/2025 <br> Ready for Review-Document Uploaded. Initial CD 8/4 - Seller-08/19/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial Closing Disclosure on page#179 Received Date of XXXX and Final Disclosure on page#184 Date is XXXX. is not three business days before the consummation date of XXXX. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 | Ready for Review-Document Uploaded. Initial CD 8/4 - Seller-08/19/2025<br>| Resolved-Initial CD updated. - Due Diligence Vendor-08/20/2025<br>| XXXX ICD XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117245 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (8.733%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.75%).(XXXX Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/25/2025 <br> Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s369 and the Final Closing disclosure on Pg#'s184, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s454,442,166. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'74,160. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Ready for Review-Will you please clear/resolve this condition. At the end of the condition it states "The loan meets HPML guidelines, resolved". - Seller-08/25/2025 <br> Open- - Due Diligence Vendor-08/25/2025 <br> Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s369 and the Final Closing disclosure on Pg#'s184, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s454,442,166. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'74,160. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/20/2025 <br> Open- - Due Diligence Vendor-08/20/2025 <br> Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s369 and the Final Closing disclosure on Pg#'s184, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s454,442,166. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'74,160. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/19/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 <br> Open- - Due Diligence Vendor-08/18/2025 | Ready for Review-Will you please clear/resolve this condition. At the end of the condition it states "The loan meets HPML guidelines, resolved". - Seller-08/25/2025<br>| Resolved-The loan's (8.733%) APR equals or exceeds the XXXX Rate Spread Home Loan first lien conforming loan threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a 1-4 unit dwelling is (6.75%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/25/2025 <br>Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s369 and the Final Closing disclosure on Pg#'s184, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s454,442,166. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'74,160. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/25/2025 <br>Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s369 and the Final Closing disclosure on Pg#'s184, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s454,442,166. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'74,160. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/20/2025 <br>Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-08/20/2025 <br>Resolved-The loan's (8.733%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s369 and the Final Closing disclosure on Pg#'s184, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s454,442,166. An interior and exterior appraisal was completed for this property – see pg#'s39, the appraisal disclosure was provided to the borrower(s)- see Pg#'s34,35. and confirmation the appraisal was delivered to the borrower – see Pg#'74,160. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-08/18/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117246 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline requirements | Resolved-Audited FICO of 671 is greater than or equal to Guideline FICO of 640.Updated & resolved. - Due Diligence Vendor-08/27/2025 <br> Resolved-Audited FICO of 671 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. Underwriter response "Disagree with findings - see comments on 1008 transmittal and guidelines page 36 - expanded parameters - Credit score above 640 allowed for Refinance of LTV less than 65% , 24 months reserves or DTI less 30%." - Seller-08/26/2025 <br> Open-Audited FICO of 671 is less than Guideline FICO of 680 As per Guidelines dated XXXX Page #35, for a Full Doc Income, Investment Cash out Minimum FICO required is 680 but Borrower qualifying with the FICO of 671. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Underwriter response "Disagree with findings - see comments on 1008 transmittal and guidelines page 36 - expanded parameters - Credit score above 640 allowed for Refinance of LTV less than 65% , 24 months reserves or DTI less 30%." - Seller-08/26/2025<br>| Resolved-Audited FICO of 671 is greater than or equal to Guideline FICO of 640.Updated & resolved. - Due Diligence Vendor-08/27/2025 <br>Resolved-Audited FICO of 671 is greater than or equal to Guideline FICO of 640 - Due Diligence Vendor-08/27/2025<br>| XXXX page 36.pdf<br> 1008 Transmittal Summary.pdf |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117247 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Received Deed of Trust. Resolved - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025 <br>Open-The Deed of Trust is Missing Provide executed Deed of Trust. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received Deed of Trust. Resolved - Due Diligence Vendor-08/27/2025<br>| Recorded Mortgage - Deed of Trust.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117247 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-HOA Questionnaire is Present - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025 <br>Open-HOA Questionnaire is Missing or Partial. Provide HOA Questionnaire. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-HOA Questionnaire is Present - Due Diligence Vendor-08/27/2025<br>| Condo Questionnaire.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117247 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Missing Doc | Condo Rider is Missing | Resolved-The Condo Rider is Present - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Condo Rider attached to Recorded mortgage - Seller-08/27/2025 <br>Open-Condo Rider is Missing Provide executed Condo Rider. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Condo Rider attached to Recorded mortgage - Seller-08/27/2025<br>| Resolved-The Condo Rider is Present - Due Diligence Vendor-08/27/2025<br>| Recorded Mortgage - Deed of Trust.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117247 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception on page#607<br> Master Insurance has an excessive 10% Hurricane deductible. This risk is lowered since the HOA does carry a current reserve balance of $XXXX, which could help absorb the cost of the high deductible in the event of total loss claim. - Due Diligence Vendor-08/20/2025 |  | Waived-Loan does not conform to program guidelines Exception on page#607<br> Master Insurance has an excessive 10% Hurricane deductible. This risk is lowered since the HOA does carry a current reserve balance of $550,973, which could help absorb the cost of the high deductible in the event of total loss claim. - Due Diligence Vendor-08/20/2025<br>|  |  | Credit Score is 796. Minimum required per guidelines is 760.<br> Borrower(s) have 38.44 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Appraisal came in $XXXX higher than purchase price. Borrowers have a history of owning a primary home and an investment property with no delinquencies. Putting 27% down using own funds. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117248 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI Exceeds Guideline DTI Exception Provided on page#454.<br> Cash-out refi but title just quit-claimed from ex-wife to include husband. (Borrower is also using nontraditional credit to meet credit tradelines and guidelines only allow for purchase or rate and term transactions.) - DTI of 51.7% with all current debt in place - Due Diligence Vendor-08/21/2025 |  | Waived-Audited DTI Exceeds Guideline DTI Exception Provided on page#454.<br> Cash-out refi but title just quit-claimed from ex-wife to include husband. (Borrower is also using nontraditional credit to meet credit tradelines and guidelines only allow for purchase or rate and term transactions.) - DTI of 51.7% with all current debt in place - Due Diligence Vendor-08/21/2025<br>|  |  | Borrower has worked in same job more than 3 years<br> Borrower(s) have 28.28 months Reserves. Minimum required per guidelines is 6 months.<br> LTV is 54.67%. Maximum allowed per guidelines is 75%. | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117249 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-Drivers license image was provided. - Due Diligence Vendor-08/29/2025 <br>Ready for Review-Document Uploaded. - Seller-08/28/2025 <br>Open-Borrowers ID cannot confirm if real ID or not, star is not showing, info is faded across half of ID provided. - Due Diligence Vendor-08/22/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Drivers license image was provided. - Due Diligence Vendor-08/29/2025<br>| dl XXXX.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117251 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Income/Employment | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-Received commission deposit for $XXXX. Resolved - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Provide XXXX bank statement (Account #XXXX). The deposit of $XXXX from the borrower's additional employer, Optimal Performance Training, is missing from the file. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Received commission deposit for $14,844.36. Resolved - Due Diligence Vendor-08/28/2025<br>| XXXX COMMISSIONS.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117251 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. - Seller-08/28/2025 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide verification of employment forXXXX prior to closing. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/28/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-08/28/2025<br>| CPA Letter-Confirming Open and Operating.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117251 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. - Seller-08/27/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. - Seller-08/27/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/27/2025<br>| Signed Business Narrative-Return to Play.pdf<br>Signed Business narrative XXXX.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117251 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Income/Employment | Income/Employment General | Waived-Exception provided on page #433, requested for "Client started his financial planning business in XXXX of XXXX and has been very successful with XXXX Borrower has a personal training business (not used) so has been self-employed longer, but not earlier financial business history so we have slightly under 24 months in place in the new".<br> industry. - Due Diligence Vendor-08/20/2025 |  | Waived-Exception provided on page #433, requested for "Client started his financial planning business in September of 2023 and has been very successful with XXXX. Borrower has a personal training business (not used) so has been self-employed longer, but not earlier financial business history so we have slightly under 24 months in place in the new".<br> industry. - Due Diligence Vendor-08/20/2025 |  |  | Exception provided on page #433, requested for "Client started his financial planning business in XXXX of XXXX and has been very successful with XXXX. Borrower has a personal training business (not used) so has been self-employed longer, but not earlier financial business history so we have slightly under 24 months in place in the new".<br> industry. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117251 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of 736 is less than Guideline FICO of 760 As per Guideline matrix XXXX page #34, Alt doc purchase primary required FICO 760 for 90% LTV, however audited FICO is 736, exception provided on page #433 made for Request for 90% LTV though credit score is below 760. - Due Diligence Vendor-08/20/2025 |  | Waived-Audited FICO of 736 is less than Guideline FICO of 760 As per Guideline matrix 05-05-2025 page #34, Alt doc purchase primary required FICO 760 for 90% LTV, however audited FICO is 736, exception provided on page #433 made for Request for 90% LTV though credit score is below 760. - Due Diligence Vendor-08/20/2025<br>|  |  | Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Borrower has worked in same industry 9 years<br> Borrower(s) have 6.22 months Reserves. Minimum required per guidelines is 6 months.<br> Audited Credit report is pristine and the student loans are bringing down his score possibly -<br> no actual late payment history at all which is reported. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117252 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Business Narrative | Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/26/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-08/26/2025 <br>Open-Provide Business Narrative. - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-08/26/2025<br>| Resolved-Received Business Narrative. Resolved - Due Diligence Vendor-08/26/2025<br>| Business Narrative.pdf |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117254 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Rental Agreement & Rent checks to verify the housing history uploaded, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-08/28/2025 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. VOR documents - Seller-08/27/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Per the guideline Version XXXX on page#27, the borrower is required to have a 12 months housing history, Primary Mortgage or Rent Months updated as 0 due Borrower rents the primary residence for $XXXX at " XXXX " but there is no 12 months rent history and there is no VOR available in the file.<br> - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. VOR documents - Seller-08/27/2025<br>| Resolved-Rental Agreement & Rent checks to verify the housing history uploaded, Housing History Meets Guideline Requirements, Verified - Resolved - Due Diligence Vendor-08/28/2025 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-08/28/2025<br>| Rental Agreement.pdf<br>Rent Checks.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117254 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX Mac SSR (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/27/2025 <br> Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/27/2025 <br> Ready for Review-Document Uploaded. XXXX SSR - Seller-08/26/2025 <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Per the Guideline version 08/08/2025 on page#71, Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 • Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than 2.5, or the file needs an Appraisal Desk Review.<br> - Due Diligence Vendor-08/25/2025 | Ready for Review-Document Uploaded. XXXX SSR - Seller-08/26/2025<br>| Resolved-XXXX Mac SSR (LCA) uploaded, verified & entered in system - Resolved. - Due Diligence Vendor-08/27/2025 <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-08/27/2025<br>| XXXX XXXX SSR.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117255 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline requirements | Waived-Audited FICO of 656 is less than Guideline FICO of 680 We have Exception in file on page #196: "Min Fico for cash-out refinance is 680 and this borrower has a 656 FICO". - Due Diligence Vendor-08/22/2025 |  | Waived-Audited FICO of 656 is less than Guideline FICO of 680 We have Exception in file on page #196: "Min Fico for cash-out refinance is 680 and this borrower has a 656 FICO". - Due Diligence Vendor-08/22/2025<br>|  |  | LTV is 41%. Maximum allowed per guidelines is 70%.<br> DSCR is 1.530. Minimum required per guidelines is 1.<br> Borrower Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117257 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $100000 As per the matrix dated 05-05-2025, the minimum loan amount is $100,000. However, the loan amount is $XXXX, so an exception was provided on page 314.<br>Requesting exception for loan amount less than $100K, our loan amount is $XXXX - Due Diligence Vendor-08/22/2025 |  | Waived-Audited Loan Amount of $XXXX is less than the Guideline Minimum Loan Amount of $XXXX As per the matrix dated XXXX, the minimum loan amount is $v. However, the loan amount is XXXX, so an exception was provided on page 314.<br>Requesting exception for loan amount less than $XXXX, our loan amount is $XXXX - Due Diligence Vendor-08/22/2025 |  |  | Borrower(s) have 24.72 months Reserves. Minimum required per guidelines is 6 months.<br> DSCR is 1.239. Minimum required per guidelines is 0.75.<br> Credit Score is 738. Minimum required per guidelines is 720. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117259 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 90% exceeds Guideline LTV of 80% As per Guideline matrix page #34, XXXX, required FICO is 740 for 90% LTV, however audited FICO is 703, An exception provided on page #601 exception requested for LTV at 90%. - Due Diligence Vendor-08/25/2025 |  | Waived-Audited LTV of 90% exceeds Guideline LTV of 80% As per Guideline matrix page #34, 05-05-2025, required FICO is 740 for 90% LTV, however audited FICO is 703, An exception provided on page #601 exception requested for LTV at 90%. - Due Diligence Vendor-08/25/2025<br>|  |  | Borrower has real estate investment experience as seasoned investor with more than 2 prior<br> investments displaying at least 0x30x12 pay history<br> Borrower has worked in same industry more than 5 year<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117259 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Income/Employment | Income/Employment General | Waived-Exception provided on page #601. Exception requested for Borrower has been a SE physician since XXXX. From XXXXborrower also worked as a W2 physician. Borrower stepped away from W2 job and was only work the SE for 12 months. She went back to work at XXXX as a W2 physician and has continued her SE physician job. Request to use the SE 12 month bank statement income as well as the W2 income. Borrower previously worked both job for 3 + years. - Due Diligence Vendor-08/25/2025 |  | Waived-Exception provided on page #601. Exception requested for Borrower has been a SE physician since XXXX XXXX. XXXX borrower also worked as a W2 physician. Borrower stepped away from W2 job and was only work the SE for 12 months. She went back to work at XXXX as a W2 physician and has continued her SE physician job. Request to use the SE 12 month bank statement income as well as the W2 income. Borrower previously worked both job for 3 + years. - Due Diligence Vendor-08/25/2025 |  |  | Borrower has real estate investment experience as seasoned investor with more than 2 prior<br> investments displaying at least 0x30x12 pay history<br> Borrower has worked in same industry more than 5 year<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117261 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (8.827%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 313 and the Final Closing disclosure on page # 188-193 reflects escrows. Rate lock on page # 327. An interior and exterior appraisal was completed for this property – see page # 24-53 and the appraisal disclosure was provided to the borrower(s) is- see page # 155, 156 and confirmation the appraisal was delivered to the borrower(s) is - see page # 155, 156. The loan meets HPML guidelines. - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-08/28/2025 <br>Open- - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-08/25/2025 |  | Resolved-The loan's (8.827%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page # 313 and the Final Closing disclosure on page # 188-193 reflects escrows. Rate lock on page # 327. An interior and exterior appraisal was completed for this property – see page # 24-53 and the appraisal disclosure was provided to the borrower(s) is- see page # 155, 156 and confirmation the appraisal was delivered to the borrower(s) is - see page # 155, 156. The loan meets HPML guidelines. - Due Diligence Vendor-08/27/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117262 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO is less than Guideline FICO As per the matrix dated 05-05-2025, the maximum LTV allowed is 70% for a FICO score of 680. However, the qualifying FICO score is 676. An exception has been provided on page 471.<br> "DSCR cash-out loan with 676 credit score. Guideline is 680 at 70% LTV. (Per credit simulator, credit scores will be 713, 691, and 689 once we close and she pays off bills)" - Due Diligence Vendor-08/25/2025 |  | Waived-Audited FICO is less than Guideline FICO As per the matrix dated 05-05-2025, the maximum LTV allowed is 70% for a FICO score of 680. However, the qualifying FICO score is 676. An exception has been provided on page 471.<br> "DSCR cash-out loan with 676 credit score. Guideline is 680 at 70% LTV. (Per credit simulator, credit scores will be 713, 691, and 689 once we close and she pays off bills)" - Due Diligence Vendor-08/25/2025<br>|  |  | Borrower Housing History is 0X30, 36 months. Housing History required per guidelines is 0X30, 12 months.<br> Borrower(s) have 20.16 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower has real estate investment experience as seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117263 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Missing Doc | HO6 Master Insurance Policy is Partial | Waived-HO-6 Master Insurance Policy Partially Provided Exception in file on page#568:<br> The Project's Master Insurance is not meeting the replacement cost value. The Master Insurance covers $XXXX and the replacement cost value is $XXXXX = shortfall is $XXXX. Please take into consideration that FNMA would accept Fair Plan insurance at actual cash valuation. Per the email with the HOA's insurance carrier, they found out that the Fair Plan insurance would be even less coverage, so they have opted for this policy instead. The Project demonstrates financial stability by allocating 10% in reserve budget. <br> - Due Diligence Vendor-08/26/2025 |  | Waived-HO-6 Master Insurance Policy Partially Provided Exception in file on page#568:<br> The Project's Master Insurance is not meeting the replacement cost value. The Master Insurance covers $XXXX and the replacement cost value is $XXXX = shortfall is $XXXX. Please take into consideration that XXXX would accept Fair Plan insurance at actual cash valuation. Per the email with the HOA's insurance carrier, they found out that the Fair Plan insurance would be even less coverage, so they have opted for this policy instead. The Project demonstrates financial stability by allocating 10% in reserve budget. <br> - Due Diligence Vendor-08/26/2025 |  |  | Borrower has worked in same job more than 3 years<br> Borrower(s) have 30.88 months Reserves. Minimum required per guidelines is 6 months.<br> Credit Score is 791. Minimum required per guidelines is 740. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117264 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Received HOA Questionnaire. Resolved. - Due Diligence Vendor-09/03/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-09/03/2025 <br>Ready for Review-Document Uploaded. - Seller-09/03/2025 <br>Open-HOA Questionnaire is Missing or Partial. Provide HOA Questionnaire. - Due Diligence Vendor-09/02/2025 | Ready for Review-Document Uploaded. - Seller-09/03/2025<br>| Resolved-Received HOA Questionnaire. Resolved. - Due Diligence Vendor-09/03/2025 <br>Resolved-HOA Questionnaire is Present - Due Diligence Vendor-09/03/2025<br>| Condo Questionnaire.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117264 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Missing Doc | Missing evidence of sufficient insurance for condo project | Waived-Exceptional Approval provided p495. Exception granted for 10% hurricane deductible on the Non-Warrantable condo. (Subject to rest of condo review confirming no other exception need). - Due Diligence Vendor-09/02/2025 |  | Waived-Exceptional Approval provided p495. Exception granted for 10% hurricane deductible on the Non-Warrantable condo. (Subject to rest of condo review confirming no other exception need). - Due Diligence Vendor-09/02/2025<br>|  |  | Borrower(s) have 43.82 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $5000. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117264 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material A B | Credit | Credit | FICO score does not meet guidelines | Waived-Exception in file on page#495:<br> Credit score of 614 does not meet the minimum credit score of 660 for Prime Non-Agency Non Warrantable condominium for a primary home. We will also need an exception for 10% hurricane deductible on the Non Warrantable condo she is purchasing. (Subject to rest of condo review confirming no other exception need) - Due Diligence Vendor-08/27/2025 |  | Waived-Exception in file on page#495:<br> Credit score of 614 does not meet the minimum credit score of 660 for Prime Non-Agency Non Warrantable condominium for a primary home. We will also need an exception for 10% hurricane deductible on the Non Warrantable condo she is purchasing. (Subject to rest of condo review confirming no other exception need) - Due Diligence Vendor-08/27/2025<br>|  |  | Borrower(s) have 43.82 months Reserves. Minimum required per guidelines is 6 months.<br> Borrower Housing History is 0X30, 24 months. Housing History required per guidelines is 0X30, 12 months.<br> Residual Income is $XXXX. Minimum Residual Income required per guidelines is $5000. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117264 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | Mavent | HigherPriced: APR | Resolved-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) Escrow for taxes and insurance are set up on this loan. - Due Diligence Vendor-09/02/2025 <br>Open- - Due Diligence Vendor-09/02/2025 <br>Open- - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-08/27/2025 |  | Resolved-You submitted no property tax impound amounts for this loan. Regulation Z prohibits a lender from making a first lien higher priced mortgage loan unless an escrow account is established before consummation for payment of property taxes for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings. A creditor or servicer may not cancel the escrow account until the earlier of: (1) termination of the underlying debt obligation or (2) FIVE years after consummation if the unpaid principal balance is less than 80% of the original value of the property and the consumer is not delinquent or in default on the underlying debt obligation. (12 CFR 1026.35(b)) Escrow for taxes and insurance are set up on this loan. - Due Diligence Vendor-09/02/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117264 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien XXXX)(Conforming) | Resolved-The loan's (8.437%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 516 and the Final Closing disclosure on Pg#'s 77, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 72. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 616, and confirmation the appraisal was delivered to the borrower – see Pg#'s 68. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-09/02/2025 <br>Open- - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-08/27/2025 <br>Open- - Due Diligence Vendor-08/27/2025 |  | Resolved-The loan's (8.437%) APR equals or exceeds the Federal HPML threshold of (8.25%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.75%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s 516 and the Final Closing disclosure on Pg#'s 77, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s 72. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#'s 616, and confirmation the appraisal was delivered to the borrower – see Pg#'s 68. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-08/27/2025<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | 4350117267 |  |  | Closed | XXXX | XXXX | Waived | 2 - Non-Material B | Credit | Title | Property Title Issue | Waived-Property Title Issue Exception Approval in file p180 for title property changing from LLP structure to an LLC by closing. Property is vested in a trust or corporate entity that does not meet guideline requirements. However, same business structure and ownership. 2) Allow a cash out to 80% LTV. 3) Property listed for sale within 6 months and listing has already been removed; however, only 18 months reserves are now verified. - Due Diligence Vendor-09/03/2025 |  | Waived-Property Title Issue Exception Approval in file p180 for title property changing from LLP structure to an LLC by closing. Property is vested in a trust or corporate entity that does not meet guideline requirements. However, same business structure and ownership. 2) Allow a cash out to 80% LTV. 3) Property listed for sale within 6 months and listing has already been removed; however, only 18 months reserves are now verified. - Due Diligence Vendor-09/03/2025<br>|  |  | Monthly reserves is verified and at least 4 months more than guideline minimum.<br> DSCR is 1.08, guidelines minimum requirement is 0.750.<br> Borrower has acceptable credit score of 733, guideline minimum requirement is 720. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | 4350117269 |  |  | Closed | XXXX | XXXX | Resolved | 1 - Information D A | Property | Missing Doc | 3rd Party Valuation Product is Required and Missing | Resolved-CDA supporting value at origination was received. - Due Diligence Vendor-09/05/2025 <br>Ready for Review-Document Uploaded. - Seller-09/05/2025 <br>Open- - Due Diligence Vendor-09/03/2025 | Ready for Review-Document Uploaded. - Seller-09/05/2025<br>| Resolved-CDA supporting value at origination was received. - Due Diligence Vendor-09/05/2025<br>| XXXX_CDA.pdf |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |

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## Exhibit 99.39

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.39**

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| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 4350117205 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX Eligible |  |  |
| XXXX | 4350117206 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117207 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117208 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117209 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 74.09 | 74.09 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |
| XXXX | 4350117210 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 60.26 | 60.26 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 4350117211 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117212 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 4350117213 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117214 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | 4350117215 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |
| XXXX | 4350117216 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117217 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 4350117218 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| XXXX | 4350117219 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117220 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 4350117221 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117222 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |
| XXXX | 4350117223 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117224 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117225 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible |  |  |
| XXXX | 4350117226 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 4350117227 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |
| XXXX | 4350117228 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117229 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117230 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117231 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  |  |
| XXXX | 4350117232 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 4350117233 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117234 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 4350117235 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117236 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117237 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117238 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117239 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117240 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | 4350117241 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | REASONABLE | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117242 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XXXX |
| XXXX | 4350117243 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 52.5 | 52.5 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XXXX |
| XXXX | 4350117244 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 4350117245 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 4350117246 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 45.05 | 45.05 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 4350117247 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 72.83 | 72.83 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 4350117248 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 54.67 | 54.67 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117249 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117250 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 4350117251 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117252 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117253 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 75 | 75 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117254 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  |  |
| XXXX | 4350117255 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 40.45 | 40.45 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117256 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117257 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 08-03-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117258 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 68.09 | 68.09 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 4350117259 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | 0.214 | 1004 URAR |  |  |  |  | XXXX | XXXX | 0.214 | 08-07-2025 | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117260 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Reasonable | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117261 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 90 | 90 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 4350117262 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 65 | 65 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117263 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117264 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 60 | 60 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 4350117265 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-21-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 4350117266 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 70 | 70 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117267 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 07-07-2025 |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 4350117268 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117269 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 85 | 85 | XXXX | 0 | 0 | Desk Review |  |  |  |  | XXXX | XXXX | 0.0829 | 08-14-2025 | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117270 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 4350117271 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117272 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 4350117273 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | 4350117274 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | 80 | 80 | XXXX | 0 | 0 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | 0 | 0 | XXXX | EXCELLENT | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.40

[COLT SECURITIZATION DEPOSITOR, LLC ABS-15G](colt10-abs15g_091825.htm)

**Exhibit 99.40**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Deal ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 4350117259 |  |  | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 4350117253 |  |  | XXXX | Borrower 1 FTHB | disclosuresPage | true | N | Borrower 1 is verified to be FTHB. |
| XXXX | 4350117213 |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | Borrower 1 Income $XXXX + B2 Income $XXXX= $XXXX |
| XXXX | 4350117214 |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | Verified B1 income iao $XXXX & B2 Income iao $XXXX= $XXXX |
| XXXX | 4350117217 |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | Borrower 1 Income from Employment Total verified & matches 1003 & 1008. |
| XXXX | 4350117233 |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | $XXXX is total of both borrowers income. |
| XXXX | 4350117242 |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | Borrower 1 Income from Employment Total is $XXXX |
| XXXX | 4350117247 |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | Borrower 1 Income from Employment Total verified & updated from drop down. |
| XXXX | 4350117263 |  |  | XXXX | Borrower 1 Income from Employment Total | employmentIncomePage | XXXX | XXXX | True Data captured incorrectly. Income updated per Final 1003. |
| XXXX | 4350117220 |  |  | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per note |
| XXXX | 4350117233 |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | Borrower 1 Other Income verified & updated. XXXXis for 1 retirement account. |
| XXXX | 4350117247 |  |  | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | Borrower 1 Other Income verified & updated. |
| XXXX | 4350117233 |  |  | XXXX | Borrower 1 Other Income Amount 2 | the1003Page | XXXX | XXXX | Borrower 1 Other Income Amount 2 verified & updated. |
| XXXX | 4350117228 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | Borrower1 employment income not provided and not used & B1 Self employment flag should be no. |
| XXXX | 4350117231 |  |  | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | No | Yes | True data is correct, B1 is not self employed, they are wage earner. |
| XXXX | 4350117230 |  |  | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | w2 employment of $XXXX+ Rental income of $XXXX. |
| XXXX | 4350117217 |  |  | XXXX | Borrower 2 Employer 1 Yrs on Job | the1003Page | XXXX | XXXX | Borrower 2 Employer 1 Yrs on Job verified as per 1003. |
| XXXX | 4350117233 |  |  | XXXX | Borrower 2 Other Income | the1003Page | XXXX | XXXX | Borrower 2 Other Income verified & updated. Total received from SSI. |
| XXXX | 4350117247 |  |  | XXXX | Borrower 2 Other Income | the1003Page | XXXX | XXXX | Borrower 2 Other Income verified & updated. |
| XXXX | 4350117233 |  |  | XXXX | Borrower 2 Other Income Amount 2 | the1003Page | XXXX | XXXX | Borrower 2 Other Income Amount 2 verified & updated. $XXXX is the total of Retirement amount of $XXXX and the annuity amount of $XXXX. |
| XXXX | 4350117217 |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | XXXX | XXXX | Borrower 2 Sex - Female verified from final 1003. |
| XXXX | 4350117233 |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | true | false | Borrower 2 Sex - Female verified from final 1003. |
| XXXX | 4350117236 |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | true | false | Confirmed Borrower 2 is female per final 1003. |
| XXXX | 4350117240 |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | true | false | Updated as per Final 1003. |
| XXXX | 4350117247 |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | true | false | Borrower 2 Sex - Female verified from final 1003. |
| XXXX | 4350117249 |  |  | XXXX | Borrower 2 Sex - Female | the1003Page | true | false | Borrower 2 Sex - Female verified from final 1003. |
| XXXX | 4350117260 |  |  | XXXX | Borrower 3 First Name | notePage | XXXX | XXXX | Borrower 3 First Name updated as per the Final 1003 |
| XXXX | 4350117260 |  |  | XXXX | Borrower 3 Last Name | notePage | XXXX | XXXX | Borrower 3 Last Name updated as per the Final 1003 |
| XXXX | 4350117217 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close verified from final CD. |
| XXXX | 4350117220 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close verified from final CD. |
| XXXX | 4350117226 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated as per Final CD. |
| XXXX | 4350117230 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Per final CD Cash to Close is $XXXX. |
| XXXX | 4350117236 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Confirmed Cash to Close is $XXXX<br>|
| XXXX | 4350117238 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated as per Final CD. |
| XXXX | 4350117243 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated per Final CD. |
| XXXX | 4350117249 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close verified from final CD. |
| XXXX | 4350117251 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close is $XXXX |
| XXXX | 4350117252 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated as per Final CD. |
| XXXX | 4350117255 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close updated from final CD. |
| XXXX | 4350117257 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Cash to Close Verified from final CD. |
| XXXX | 4350117263 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Updated per Final CD. |
| XXXX | 4350117268 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Confirmed Cash to Close is $XXXX |
| XXXX | 4350117269 |  |  | XXXX | Cash to Close | finalCdDetailPage | XXXX | XXXX | Confirmed Cash to Close is $XXXX |
| XXXX | 4350117206 |  |  | XXXX | First Payment Date | notePage | XXXX | XXXX | FirstPayment date XXXX confirmed |
| XXXX | 4350117252 |  |  | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Yes | Subject loan is non warrantable. |
| XXXX | 4350117228 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Confirmed - Loan Program match |
| XXXX | 4350117261 |  |  | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Loan program updated from drop down, tape and true data values matches. |
| XXXX | 4350117210 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Subject loan is DSCR. |
| XXXX | 4350117211 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Verified Loan Type is DSCR |
| XXXX | 4350117219 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350117220 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350117232 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR per 1008 and lock. |
| XXXX | 4350117234 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Subject loan is DSCR per 1008. |
| XXXX | 4350117236 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR per 1008. |
| XXXX | 4350117249 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350117250 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350117257 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR confirmed. |
| XXXX | 4350117262 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed loan type as DSCR. |
| XXXX | 4350117265 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Subject loan is DSCR. |
| XXXX | 4350117266 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR. |
| XXXX | 4350117267 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR. |
| XXXX | 4350117268 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR. |
| XXXX | 4350117270 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR. |
| XXXX | 4350117271 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR. |
| XXXX | 4350117272 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Loan Type is DSCR. |
| XXXX | 4350117273 |  |  | XXXX | Loan Type | the1003Page | DSCR | Conventional | Confirmed Loan Type is DSCR |
| XXXX | 4350117243 |  |  | XXXX | Monthly HOA $| propertyValuationPage | 697 | 700 | Updated per Appraisal. |
| XXXX | 4350117272 |  |  | XXXX | Monthly HOA $| propertyValuationPage | XXXX | XXXX | Confirmed monthly HOA fee is $XXXX From Form 1073. |
| XXXX | 4350117219 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Confirmed Monthly Property Tax Amount is $XXXX |
| XXXX | 4350117229 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX County Taxes: $XXXX+ <br> XXX Taxes $XXXX = $XXXX/12= $XXXX. |
| XXXX | 4350117233 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | $XXXX annual taxes/12=$XXXX off by .01 due to rounding. |
| XXXX | 4350117246 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Combination of City + County Taxes. |
| XXXX | 4350117251 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Confirmed Monthly Property Tax Amount as $XXXX |
| XXXX | 4350117262 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | City Property Tax of $XXXX. |
| XXXX | 4350117269 |  |  | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | Confirmed Monthly Property Tax Amount is $XXXX |
| XXXX | 4350117209 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | True data is correct, verified from Note doc. |
| XXXX | 4350117215 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | True data is correct, verified from Note doc. |
| XXXX | 4350117222 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | Updated as per note final document |
| XXXX | 4350117237 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | Note Date is XXXX |
| XXXX | 4350117239 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | True data is correct, verified from Note doc. |
| XXXX | 4350117243 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | Updated per Note. |
| XXXX | 4350117261 |  |  | XXXX | Note Date | notePage | XXXX | XXXX | True data is correct, verified from Note. |
| XXXX | 4350117206 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | OriginatorDoc Type Dscr Confirmed |
| XXXX | 4350117207 |  |  | XXXX | Originator Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Not Stated Not Verified | Originator Doc Type is DSCR. |
| XXXX | 4350117241 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (SH) | Confirmed Originator QM Status is Non-QM: Lender documented all ATR UW factors. |
| XXXX | 4350117260 |  |  | XXXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: Lender documented all ATR UW factors | Occupancy is Investment Originator QM Status needs to be ATR/QM: Exempt |
| XXXX | 4350117274 |  |  | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Confirmed Primary Appraised Property Value is $XXXX. Tape Value is the Sales Price. |
| XXXX | 4350117247 |  |  | XXXX | Property Address | notePage | XXXX | XXXX | Property address verified from Note & DOT. |
| XXXX | 4350117212 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type confirmed with appraisal report. |
| XXXX | 4350117217 |  |  | XXXX | Property Type | propertyValuationPage | Townhouse | Single Family Attached | Property Type is PUD attached updated as Townhouse. |
| XXXX | 4350117219 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is Two to Four Unit. |
| XXXX | 4350117225 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Property type is PUD verified from appraisal pg#33 and PUD rider is on pg#468. |
| XXXX | 4350117231 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property os a PUC per 1008, DOT, appraisal. |
| XXXX | 4350117235 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type is 2-4 unit. |
| XXXX | 4350117239 |  |  | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | True data is correct, property is a PUD per 1008, DOT, appraisal. |
| XXXX | 4350117256 |  |  | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Property Type Two to Four Unit verified from appraisal. |
| XXXX | 4350117269 |  |  | XXXX | Property Type | propertyValuationPage | Single Family Detached | Condominium | Confirmed Single Family Detached |
| XXXX | 4350117231 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | 746 | 730 | True data is correct, finding in place for corrected FICO on 1008 page. |
| XXXX | 4350117220 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DSCR HTI not required. |
| XXXX | 4350117255 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DSCR loan HTI & DTI Not Applicable. |
| XXXX | 4350117270 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | HTI not applicable for DSCR Loan. |
| XXXX | 4350117272 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Confirmed DSCR Loan. |
| XXXX | 4350117210 |  |  | XXXX | Qualifying Monthly P&I Amount | notePage | XXXX | XXXX | Qualifying Monthly P&I Amount - True Data Captured incorrectly-Matching with Note document for ARM |
| XXXX | 4350117205 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DTI is matching with final 1008. |
| XXXX | 4350117208 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Audit DTI is 28.2951%, rounded to 28.3%. Variance comes from a calculation difference on B1s OT earnings. Lender calculated $XXXX; Audit calculated $XXXXX. |
| XXXX | 4350117212 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DTI within tolerance of updated 1008 provided in findings. |
| XXXX | 4350117218 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX Payment of $XXXX reflected 2 times on F1003 |
| XXXX | 4350117220 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DSCR DTI not required. |
| XXXX | 4350117221 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | There is a $XXXX difference in all other monthly payments, but still we have DTI within the Guidelines. |
| XXXX | 4350117237 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DTI getting variance due to tax cert is missing in file to verified tax amount. However DTI within GL requirement, not added finding for DTI |
| XXXX | 4350117255 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DSCR loan HTI & DTI Not Applicable. |
| XXXX | 4350117270 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | DTI not applicable for DSCR Loan. |
| XXXX | 4350117272 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | Confirmed DSCR Loan. |
| XXXX | 4350117205 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Qualifying PITI is accurate per actual documentation, variance between tape data & actual docs due to monthly HOI Premium. |
| XXXX | 4350117209 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | The difference is 0.01 which is within the tolerance. |
| XXXX | 4350117212 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Escrow waiver file. |
| XXXX | 4350117224 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $XXXX. |
| XXXX | 4350117225 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Tape Data not included HOA amount and the subject property is PUD. HOA per Appraisal Report is $XXXX/12=$XXXX |
| XXXX | 4350117231 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | True data is correct, verified from Note, XXXX |
| XXXX | 4350117239 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | True data is correct, tape data was not included HOA amount of $XXXX whereas true data shows PITIA. |
| XXXX | 4350117245 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Qualifying Total Housing Expense PITIA Variance is 0.01. due to Monthly Property Taxes Premium $XXXX updated Tax Cert document but 1008 doc showing as $XXXX. |
| XXXX | 4350117261 |  |  | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | The difference is 0.01 which is due to that tape considered tax amount as $XXXX whereas per tax cert it is $XXXX. |
| XXXX | 4350117210 |  |  | XXXX | Refinance Type | the1003Page | Cash Out - Other | Cash Out - Debt Consolidation | Subject loan is Cash Out Refinance. |
| XXXX | 4350117258 |  |  | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <1% of Loan Amount or $2000 | Refinance Type is No Cash Out - Borrower Initiated |
| XXXX | 4350117265 |  |  | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <1% of Loan Amount or $2000 | Updated per Final CD-Cash to Close. |
| XXXX | 4350117267 |  |  | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <1% of Loan Amount or $2000 | Confirmed Refinance Type is No Cash Out - Borrower Initiated. |
| XXXX | 4350117271 |  |  | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <1% of Loan Amount or $2000 | Confirmed Refinance Type is No Cash Out - Borrower Initiated |
| XXXX | 4350117273 |  |  | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | Limited Cash Out - <1% of Loan Amount or $2000 | Confirmed Refinance Type is No Cash Out - Borrower Initiated<br>|
| XXXX | 4350117205 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Verified doc type considered per loan program & documentation. |
| XXXX | 4350117209 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for qualification. |
| XXXX | 4350117211 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR |
| XXXX | 4350117215 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| XXXX | 4350117218 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | 12 months bank statements are used for qualification |
| XXXX | 4350117219 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR. |
| XXXX | 4350117220 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Verified Doc Type is DSCR. |
| XXXX | 4350117223 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | 12m Bank Statement program confirmed. |
| XXXX | 4350117224 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| XXXX | 4350117225 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| XXXX | 4350117227 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated per loan program & documentation. |
| XXXX | 4350117228 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| XXXX | 4350117230 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Verified Doc Type is 1YR Full Doc. |
| XXXX | 4350117232 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Doc Type Debt Service Coverage Ratio (DSCR) per 1008.. |
| XXXX | 4350117233 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1YR Full Doc | Full Doc | 1 Year full doc vs Full Doc. Verified per income documentation and 1008. |
| XXXX | 4350117234 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Subject loan is DSCR per 1008. |
| XXXX | 4350117235 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type is 12Months Business Bank Statement which is part of ALT DOC. |
| XXXX | 4350117236 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Confirmed Verified Doc Type is DSCR per 1008. |
| XXXX | 4350117237 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | FullDocumentation | Verified Doc Type is 1YR Full Doc. |
| XXXX | 4350117239 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | ALT DOC | True data is correct, 24 months bank statements are used for income calculation and hence doc type updated the same. |
| XXXX | 4350117241 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | FullDocumentation | Confirmed Verified Doc Type is 1YR Full Doc. |
| XXXX | 4350117242 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc | Verified Doc Type is Full Doc 2 years. |
| XXXX | 4350117243 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Alternative | Values Match. |
| XXXX | 4350117244 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| XXXX | 4350117245 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| XXXX | 4350117247 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 1YR Full Doc | Full Doc | Verified Doc Type is Alt doc. |
| XXXX | 4350117249 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Verified Doc Type is DSCR. |
| XXXX | 4350117250 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alternative | Verified Doc Type is DSCR. |
| XXXX | 4350117251 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type as 12 Month Bank Statement. |
| XXXX | 4350117254 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | Doctype updated as per loan program and documentation. |
| XXXX | 4350117257 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alternative | Verified Doc Type is DSCR. |
| XXXX | 4350117258 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc | Verified Doc Type is 12 Month Bank Statement. |
| XXXX | 4350117261 |  |  | XXXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | ALT DOC | True data is correct, 12 months bank statements are used for income calculation and hence doc type updated the same. |
| XXXX | 4350117265 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Subject loan is DSCR. |
| XXXX | 4350117266 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Confirmed Verified Doc Type is DSCR. |
| XXXX | 4350117267 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR. |
| XXXX | 4350117268 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Confirmed Verified Doc Type is DSCR. |
| XXXX | 4350117270 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc | Verified Doc Type is DSCR. |
| XXXX | 4350117271 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Alternative | Confirmed Doc Type is DSCR. |
| XXXX | 4350117272 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Documentation | Verified Doc Type is DSCR. |
| XXXX | 4350117273 |  |  | XXXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | No Income and No Employment on 1003 | Confirmed Doc Type is DSCR. |

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