# EDGAR Filing Document

**Accession Number:** 0001176320
**File Stem:** 0000929638-26-000773
**Filing Date:** 2026-3
**Character Count:** 2101830
**Document Hash:** 88b5b6bc96e2b1f212e82d46d2b8a3fa
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000929638-26-000773.hdr.sgml**: 20260302

**ACCESSION NUMBER**: 0000929638-26-000773

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

**PUBLIC DOCUMENT COUNT**: 22

**CONFORMED PERIOD OF REPORT**: 20260302

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

**FILED AS OF DATE**: 20260302

**DATE AS OF CHANGE**: 20260302

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-02354
- **FILM NUMBER:** 26706601

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

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

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

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

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

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

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

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

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

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

#### UNITED STATES

#### SECURITIES AND EXCHANGE COMMISSION

#### Washington, D.C. 20549

#### FORM ABS-15G

#### ASSET-BACKED SECURITIZER

#### REPORT PURSUANT TO SECTION 15G OF

#### THE SECURITIES EXCHANGE ACT OF 1934

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

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

Date of Report (Date of earliest event reported): ______________<br>Commission File Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________<br>Central Index Key Number of securitizer:&nbsp;&nbsp;&nbsp;&nbsp; ______________<br>

<u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u><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)(1) [ ]

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

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

_<u>X</u>_ Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: 0001176320

Central Index Key Number of sponsor: N/A

<u>Sequoia Mortgage Trust 2026-HYB1</u>

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

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

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

<u>Ashley Templeton, (303) 376-3688</u><br> Name and telephone number, including area code, of the person to

contact in connection with this filing.

------

#### INFORMATION TO BE INCLUDED IN THE REPORT

---

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

---

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

------

#### SIGNATURES

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

Dated: March 2, 2026

---

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

---

------

#### EXHIBIT INDEX

<u>Exhibit Number</u>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.1 Clayton Services LLC ("Clayton") Due Diligence Narrative Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.2 Clayton Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.3 Clayton Rating Agency ATR QM Data Fields

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.4 Clayton ATR QM Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.5 Clayton Valuations Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.6 Clayton Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.7 Clayton Waived Conditions Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.8 AMC Diligence, LLC ("AMC") Due Diligence Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.9 AMC Loan Securitization Report Set

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.10 Consolidated Analytics, Inc ("Consolidated Analytics") Executive Summary

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.11 Consolidated Analytics Due Diligence Standard Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.12 Consolidated Analytics Rating Agency Grades Summary Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.13 Consolidated Analytics Valuations Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.14 Consolidated Analytics Data Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;99.15 Consolidated Analytics Supplemental Report

## Exhibit 99.1

![](clayton_logo.gif)

SEMT 2026-HYB1 <br>

![](clayton_cover.jpg)

### Due Diligence Narrative Report

### <br>

### February 20, 2026

### <br>

------

![](clayton_logo.gif)

 **TABLE OF CONTENTS**

<br> ---

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

---

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 1 February 20, 2026

------

![](clayton_logo.gif)

#### CLAYTON CONTACT INFORMATION
Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](bullet.gif) | **Chris Turk**<br>| Client Service Manager<br>|
|  |  | Phone: (813) 472-6509/E-mail: <u>cturk</u><u>@clayton.com</u> |
| ![](bullet.gif) | **Joe Ozment** | Director of Securitization<br>|
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

OVERVIEW

On behalf of LoanDepot.Com, LLC ("LoanDepot"), Clayton conducted an independent third-party pre-securitization due diligence review of 5 residential loans. The due diligence for LoanDepot (5 loans) took place between April, 2025 and October, 2025.

Redwood Trust ("Redwood") acquired this diligence through a Reliance Letter purchase and selected these loans for the SEMT 2026-HYB1 transaction.

On behalf of Redwood Trust, Clayton conducted an independent third-party pre-securitization due diligence review of 255 residential loans selected for the SEMT 2026-HYB1 transaction.

On 255 loans, Clayton performed a Full Scope review of loans to include all scopes within the "TPR Component Review Scope" below.

The loans referenced in this narrative report were reviewed on a flow basis between September 2025 and February 2026 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

ORIGINATORS

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 11 | 4.23% |
| Correspondent Flow with delegated underwriting | 2 | 0.77% |
| Correspondent Flow without delegated underwriting | 12 | 4.62% |
| Retail | 235 | 90.38% |
| **Total** | **260** | **100.00%** |

---

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 2 February 20, 2026

------

![](clayton_logo.gif)

CLAYTON'S THIRD PARTY REVIEW ("TPR") SCOPE OF WORK

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

SAMPLING

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| ***Review Type*** | ***Loan Count***<br> ***Reviewed by Clayton*** | ***Scope Applied*** |
| **Full Review** | 260 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | 260 |  |

---

SPONSOR ACQUISITION CRITERIA

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

LOAN GRADING

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

------

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

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 3 February 20, 2026

------

![](clayton_logo.gif)

TPR COMPONENT REVIEW SCOPE

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

CREDIT REVIEW<br>

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

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

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

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

◾ Confirmed that credit scores (FICO) and credit histories were within Sponsor Acquisition Criteria;

◾ Evaluated evidence of borrower's willingness and ability to repay the obligation;

---

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

---

PROPERTY VALUATION REVIEW<br>

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

<br> ◾ Original Appraisal Assessment

<br> - Clayton reviewed the original appraisal provided to determine whether the original appraisal was complete, thorough and the original appraised value was reasonably supported.

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

◾ Value Supported Analysis

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

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

For loans reviewed in a post-close valuation review scenario various products were ordered to support the value within a 10% tolerance such as Desk Review, Field Reviews, AVMs, BPOs, Reconciliations or loans included a 2<sup>nd</sup> appraisal to support the value. Please refer to the Valuations Report for additional details per loan.<br>

<br> - Clayton did not have independent access to any valuation products ordered by the Sellers.

<br> - Loans that had a Collateral Underwriter through Fannie/DU with a score of 2.5 or less and therefore did not require a 3rd party valuation product.

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 4 February 20, 2026

------

![](clayton_logo.gif)

REGULATORY COMPLIANCE REVIEW<br>

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

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

<br> ◾ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

<br> ◾ Assessed compliance with state specific consumer protection laws by testing late charge and prepayment penalty provisions;

<br> ◾ Truth-in-lending/regulation Z (TILA) testing included the following:

<br> - Notice of Right to Cancel (Right of Rescission) adherence if applicable;

<br> - TIL Disclosure Timing (3/7/3) and disclosure content;

<br> - TIL APR and Finance charge tolerances;

<br> - Timeliness of ARM Disclosures (if applicable);

<br> - Section 32 APR and Points and Fees Thresholds and prohibited practices;

<br> - Section 35 Higher Priced Mortgage Loans thresholds and applicable escrow and appraisal requirements;

<br> - Prohibited Acts or Practices including Loan Originator compensation rules, NMLSR ID on documents, financing Credit Insurance, mandatory arbitration clauses, and NegAm Counseling;

Reviewed ATR/QM Ability to Repay (a/k/a Minimum Standards for Transactions): for applications on all loans in the pool. Clayton confirmed the loan files contain documentation to evidence the lender considered and verified the borrower's ability to Repay. This included identifying whether QM loans met agency exemptions or were underwritten in accordance with Appendix Q. <br>

---

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

---

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

<br> - Prepayment Penalty restrictions.

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

<br> ◾ Real Estate Settlement Procedures Act (RESPA) laws and regulations testing included:

<br> - GFE initial disclosure timing and content;

<br> - Confirmed the file contains the final HUD1 Settlement Statement;

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

<br> - Homeownership Counseling Notice;

<br> - Affiliated Business Disclosure if applicable.

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

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 5 February 20, 2026

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![](clayton_logo.gif)

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

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

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

DATA CAPTURE

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

DATA INTEGRITY

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

◾ Tape data received from lender/client is stored in eCLAS;

◾ Loan Reviewer collects validated loan data in eCLAS;

◾ Each received data point is compared to its counterpart collected data point;

◾ Discrepancies found during comparison are stored

DATA COMPARE RESULTS

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

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 6 February 20, 2026

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![](clayton_logo.gif)

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Debt to Income Ratio (Back) | 260 | 0.00% |
| Note Rate | 5 | 98.08% |
| Original Balance | 5 | 98.08% |
| Original LTV | 30 | 88.46% |

---

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

---

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

---

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 7 February 20, 2026

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![](clayton_logo.gif)

CLAYTON DUE DILIGENCE RESULTS

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

#### <br>

#### Initial and Final Overall Loan Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | **A** | 84 | 18 | 16 | 47 | **165** |
| **Final** | **B** |  | 20 | 28 | 47 | **95** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **84** | **38** | **44** | **94** | **260** |

---

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

#### Initial and Final Credit Component Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 176<br>| 10 | 7 | 22 | **215** |
| **Final** | B |  | 21 | 13<br>| 11<br>| **45** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **176** | **31** | **20** | **33** | **260** |

---

#### Initial and Final Property Valuation Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 204 | 3<br>| 8 | 30 | **245**<br>|
| **Final** | B |  | 2<br>| 4<br>| 9<br>| **15** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **204** | **5** | **12**<br>| **39** | **260** |

---

#### Initial and Final Regulatory Compliance Grade Results

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
| | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** | | **A** | **B** | **C** | **D** | **Total** |
| **Final** | A | 155<br>| 17<br>| 15 <br>| 26 | **213** |
| **Final** | B |  | 9 | 26 <br>| 12 | **47**<br>|
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **155** | **26** | **41** | **38** | **260** |

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

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 8 February 20, 2026

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CLAYTON THIRD PARTY REPORTS DELIVERED

Clayton furnished the following reports on this transaction:

<br> 1. Narrative Report

<br> 2. Attestation Forms

<br> 3. ASF Upload

<br> 4. Conditions Report

<br> 5. Loan Level Tape Compare Upload

<br> 6. Waived Conditions Summary Report

<br> 7. Valuations Summary Reports

<br> 8. Rating Agency ATR QM Upload

<br> 9. ATR QM Upload

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 9 February 20, 2026

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APPENDIX A: CREDIT REVIEW SCOPE

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

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

<br> o DTI

<br> o LTV/TLTV/HLTV

<br> o Credit score

<br> o Income and employment

<br> o Assets and reserves

<br> o Property type and use eligibility; and if the property type was a condominium or cooperative, assessed project adherence

<br> o Borrower eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Citizenship status

-&nbsp;&nbsp;&nbsp;&nbsp;Non- occupant co-borrower

<br> o Transaction eligibility, including:

-&nbsp;&nbsp;&nbsp;&nbsp;Maximum loan amount

-&nbsp;&nbsp;&nbsp;&nbsp;Loan purpose

-&nbsp;&nbsp;&nbsp;&nbsp;Occupancy

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

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

<br> o Uniform Residential Loan Application reviewed to determine:

<br> - Initial loan application was in the loan file and was signed by all borrowers

<br> - Final loan application was in the loan file and was complete

<br> - Information and debts disclosed on loan application aligned with related documentation in the loan file

<br> o Employment analyzed and verified through use of various documents, including:

<br> - Income documentation

<br> - Verbal and/or written verifications of employments (VVOE, VOE)

<br> - CPA letter

<br> - Business licenses

<br> - Tax transcripts (IRS Form 4506-T)

<br> - Other documentation in loan file

<br> o Income review included:

<br> - Required income documentation for all borrowers was present and within required time period

<br> - Documents did not appear to have been altered or inconsistent

<br> - IRS Form 4506-T

<br> ◾ Signed by all borrowers and processed by the originator

<br> ◾ Compared IRS tax transcripts to income documentation and noted any inconsistencies

<br> - Income was recalculated and was documented with applicable documentation, including:

<br> ◾ Tax returns

<br> ◾ Financial statements

<br> ◾ Paystubs

<br> ◾ W-2s

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 10 February 20, 2026

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<br> ◾ 1099

<br> ◾ IRS documents

<br> ◾ Bank statements

<br> ◾ Lease agreements

<br> ◾ Award letters

<br> ◾ Other documentation in loan file

<br> o Asset review included:

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

<br> ◾ Verification of deposits (VOD)

<br> ◾ Depository account statements

<br> ◾ Stock or security account statements

<br> ◾ Gift funds

<br> ◾ Settlements statements

<br> ◾ Other evidence of conveyance and transfer of funds, if a sale of assets was involved

<br> ◾ Other documentation in loan file

<br> - Asset documents were reviewed to determine any large deposits and appropriate sourcing of funds

<br> o Credit Report review included:

<br> - Complete copy of report was in loan file

<br> - Report was dated within required timeframe

<br> - All borrowers were included in the report

<br> - Checked any fraud alerts against related loan file documentation

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

<br> - Compared liabilities listed on the credit report against the loan application for accurate debt ratio calculation

<br> - Captured and utilized appropriate credit score for guideline review

<br> o Title policy review included:

<br> - Title interest – determined if

<br> ◾ Fee simple

<br> ◾ Leasehold estate

<br> - Appropriate vestee(s) were listed on title policy

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

<br> - Applicable title endorsements were present

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

<br> - Reviewed the chain of title and duration of ownership by seller or borrower (whichever was applicable)

<br> - Captured monthly tax payments in debt ratio calculation

<br> o HUD1 (Settlement Statement) review included:

<br> - Funds to close identified and analyzed against borrower's assets

<br> - Seller contributions did not exceed maximum allowed

<br> - Subject property, seller and borrower aligned with other loan documentation

<br> - Disbursements and pay-offs included in debt ratio calculations

<br> - Loan purpose confirmed

<br> o Hazard/Flood insurance review included:

<br> - Verified presence of required hazard insurance and flood insurance (if required)

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<br> - Confirmed that any required insurance was for the:

<br> ◾ Correct borrower

<br> ◾ Correct property

<br> ◾ Correct lender

<br> ◾ Correct loan number

<br> ◾ Life of loan, if flood insurance required

Confirmed that any required insurance minimum coverage amount and policy period<br>

<br> - Reviewed for evidence that any required insurance policy premium was paid

<br> - Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

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

<br> o Mortgage Insurance review included:

<br> - Determined if mortgage insurance is required

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

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

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

<br> o Borrower identity

<br> - Social Security inconsistencies

<br> - Borrower name variations

<br> o Occupancy

<br> - Borrower address history

<br> - Subject property ownership history

<br> o Employment

<br> o Licensing – reviewed NMLS data for:

<br> - Mortgage lender/originator

<br> - Loan officer

<br> o OFAC

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 12 February 20, 2026

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APPENDIX B: ORIGINATION APPRAISAL ASSESSMENT<br>

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

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

<br> o Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

<br> - FNMA 2090 – Individual Cooperative Appraisal Report. Used for individual cooperative units

<br> - FNMA 2000/FHLMC 1032 – One Unit Residential Appraisal Field Review

<br> - FNMA 2000a/FHLMC 1072 – Two to Four Unit Residential Appraisal Field Review

<br> o Appraisal report was reasonably complete and included:

<br> - Appraisal report form, certification, statement of limiting conditions and scope of work

<br> - Accurate identification of the subject property

<br> - Accurate identification of the subject loan transaction

<br> - Accurate identification of the property type, in both land and improvements

<br> - All required attachments including:

<br> ◾ Subject front, rear and street photos and valued features

<br> ◾ Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

<br> ◾ Photos of all comparable sales and listings

<br> ◾ Location map

<br> ◾ Exterior sketch of property with dimensions

<br> ◾ 1004MC Market Conditions Report

<br> - Evidence that appraisal report was made "As Is" or provided satisfactory evidence of completion for all material conditions

<br> - Appraisal date met supplied Sponsor Acquisition Criteria

<br> - If applicable to Sponsor Acquisition Criteria requirements, a second full appraisal was furnished and met Sponsor Acquisition Criteria

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

<br> o Title XI of FIRREA:

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

<br> - Determined that either the appraiser or supervisory appraiser was appropriately licensed by verifying the appraiser's license included in the appraisal.

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 13 February 20, 2026

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

<br> o USPAP

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

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

<br> o Appraised value was reasonably supported. Utilized the following review in making value supported determination:

<br> - Comps used were located reasonably close to the subject property and if not the reason was satisfactorily explained

<br> - Comps used were reasonably recent in transaction date and if not the reason was furnished

<br> - Comps used were reasonably similar to the subject property and if not an explanation was supplied

<br> - Appraised value of the subject was bracketed by the sales prices of the comps and if not the reason was furnished

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

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

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<br> o Appraisal was reviewed for any indication of property or marketability issues. Utilized the following key points in making determination:

<br> - Appraisal was made on an "As Is" basis or provides satisfactory evidence of completion of all material conditions

<br> - Property usage was reviewed for zoning compliance

<br> - Property utilization was reviewed to determine it was "highest and best use"

<br> - Neighborhood values were reviewed to determine if declining

<br> - Market conditions were reviewed to determine indication of possible marketability issues:

<br> ◾ Location

---

| | |
|:---|:---|
| ◾ | % built up |

---

<br> ◾ Growth rate

<br> ◾ Demand/supply

<br> ◾ Marketing time

<br> ◾ Predominant occupancy

<br> - Physical condition of the property was reviewed to determine that the property condition was average or better

<br> - Style of property was reviewed to determine if unique property

<br> - Any health and safety issues were noted and/or remediated

<br> - Locational and/or environmental concerns adequately addressed if present

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

<br> o 3 to 4 unit owner occupied properties

<br> o 2 to 4 unit second homes

<br> o Unwarrantable or limited review condominiums

<br> o Manufactured or mobile homes

<br> o Condotel units

<br> o Unique properties

<br> o Working farms, ranches or orchards

<br> o Mixed-use properties

<br> o Properties subject to existing oil or gas leases

<br> o Properties located in Hawaii Lava Zones 1 and 2

<br> o Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage <br>

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 14 February 20, 2026

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;F. Disclaimer

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

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

<br> o Clayton is not an 'AMC' (appraisal management company) and therefore Clayton does not opine on the actual value of the underlying property

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

<br> o Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

&nbsp;&nbsp;&nbsp;&nbsp;G. Desk Review definitions

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

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

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

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SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 15 February 20, 2026

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APPENDIX C: REGULATORY COMPLIANCE REVIEW SCOPE

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

#### Federal Law

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

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

<br> o Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

<br> o Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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<br> o ARM Disclosure: confirm these disclosures are in the file within 3 days of application, or 3 days of the borrower discussing ARM programs identified within the loan file

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

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

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

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

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

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

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

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SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 16 February 20, 2026

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

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

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

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

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

#### STATE, COUNTY and MUNICIPAL LAW

&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Higher-Priced** 

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

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

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SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 17 February 20, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;**B.** **State/Local High Cost** 

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Anti-Predatory** 

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

<br> • Minnesota (Mortgage Originator and Service Licensing Act)

<br> • Puerto Rico (Office Regulation 5722)

<br> • Texas (Texas Finance Code)

<br> • West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

&nbsp;&nbsp;&nbsp;&nbsp;**D.** **Borrower's Interest** 

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

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

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SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 18 February 20, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;**E.** **Consumer Protection** 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;**F.** **Texas Equity** 

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

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

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 19 February 20, 2026

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![](clayton_logo.gif)

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

<br>© 2026 Clayton Services LLC. All rights reserved.

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

SEMT 2026-HYB1 Due Diligence Narrative Report Page \| 20<br> February 20, 2026

## Exhibit 99.2

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |  |
| **Client Project Name:** | **SEMT 2026 HYB1** | **SEMT 2026 HYB1** |  |  |
| **Deal Loan Count:** | 260 |  |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |  |
| *Loans in Report* | *260* |  |  |  |
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 409022016 | XXXXX | Debt to Income Ratio (Back) | 42.9400 | 45.7726 |
| 409022020 | XXXXX | Debt to Income Ratio (Back) | 42.9600 | 42.0312 |
| 409022021 | XXXXX | Debt to Income Ratio (Back) | 40.9200 | 37.1388 |
| 409022029 | XXXXX | Debt to Income Ratio (Back) | 40.6500 | 41.2739 |
| 409022040 | XXXXX | Debt to Income Ratio (Back) | 33.7600 | 33.5436 |
| 409022041 | XXXXX | Debt to Income Ratio (Back) | 19.4900 | 19.5505 |
| 409022053 | XXXXX | Debt to Income Ratio (Back) | 43.3300 | 40.8061 |
| 409022288 | XXXXX | Debt to Income Ratio (Back) | 35.0000 | 27.6596 |
| 409023727 | XXXXX | Debt to Income Ratio (Back) | 44.7500 | 40.8829 |
| 409024237 | XXXXX | Debt to Income Ratio (Back) | 33.6400 | 38.2596 |
| 409024237 | XXXXX | Original LTV | 80.00 | 78.86 |
| 409024436 | XXXXX | Debt to Income Ratio (Back) | 30.0000 | 30.6124 |
| 409024602 | XXXXX | Debt to Income Ratio (Back) | 42.6200 | 42.5937 |
| 409025430 | XXXXX | Debt to Income Ratio (Back) | 40.0000 | 40.9350 |
| 409025472 | XXXXX | Debt to Income Ratio (Back) | 44.5300 | 42.0028 |
| 409025997 | XXXXX | Debt to Income Ratio (Back) | 40.0000 | 34.3123 |
| 409026012 | XXXXX | Debt to Income Ratio (Back) | 44.9600 | 42.8731 |
| 409026066 | XXXXX | Debt to Income Ratio (Back) | 44.9800 | 40.6345 |
| 409026125 | XXXXX | Debt to Income Ratio (Back) | 29.0700 | 28.9952 |
| 409026162 | XXXXX | Debt to Income Ratio (Back) | 39.1800 | 38.7642 |
| 409026162 | XXXXX | Original LTV | 34.05 | 34.16 |
| 409026178 | XXXXX | Debt to Income Ratio (Back) | 42.6300 | 41.6283 |
| 409026188 | XXXXX | Debt to Income Ratio (Back) | 33.2800 | 34.1943 |
| 409026193 | XXXXX | Debt to Income Ratio (Back) | 34.6300 | 34.6925 |
| 409026202 | XXXXX | Debt to Income Ratio (Back) | 38.4600 | 36.3346 |
| 409026202 | XXXXX | Original LTV | 74.24 | 70.69 |
| 409026260 | XXXXX | Debt to Income Ratio (Back) | 24.3700 | 24.6271 |
| 409026332 | XXXXX | Debt to Income Ratio (Back) | 34.8400 | 34.6130 |
| 409026337 | XXXXX | Debt to Income Ratio (Back) | 33.0800 | 30.3491 |
| 409026356 | XXXXX | Debt to Income Ratio (Back) | 38.8000 | 37.2526 |
| 409026906 | XXXXX | Debt to Income Ratio (Back) | 22.7600 | 22.7708 |
| 409026997 | XXXXX | Debt to Income Ratio (Back) | 30.4300 | 32.2594 |
| 409027029 | XXXXX | Debt to Income Ratio (Back) | 42.5000 | 40.9429 |
| 409027058 | XXXXX | Debt to Income Ratio (Back) | 22.4800 | 23.5475 |
| 409027058 | XXXXX | Original LTV | 70.13 | 66.00 |
| 409028839 | XXXXX | Debt to Income Ratio (Back) | 40.7300 | 38.5950 |
| 409028841 | XXXXX | Debt to Income Ratio (Back) | 44.7900 | 41.5436 |
| 409028957 | XXXXX | Debt to Income Ratio (Back) | 26.3000 | 22.4323 |
| 409029084 | XXXXX | Debt to Income Ratio (Back) | 40.0700 | 37.7874 |
| 409029142 | XXXXX | Debt to Income Ratio (Back) | 35.7500 | 38.3872 |
| 409029166 | XXXXX | Debt to Income Ratio (Back) | 41.0500 | 39.3021 |
| 409029234 | XXXXX | Debt to Income Ratio (Back) | 39.0000 | 38.4751 |
| 409029266 | XXXXX | Debt to Income Ratio (Back) | 40.7800 | 35.6345 |
| 409029266 | XXXXX | Original LTV | 38.04 | 35.00 |
| 409030231 | XXXXX | Debt to Income Ratio (Back) | 42.3100 | 35.9050 |
| 409030548 | XXXXX | Debt to Income Ratio (Back) | 33.0900 | 32.0779 |
| 409030636 | XXXXX | Debt to Income Ratio (Back) | 44.9600 | 42.0635 |
| 409030649 | XXXXX | Debt to Income Ratio (Back) | 34.0400 | 37.4305 |
| 409030649 | XXXXX | Original LTV | 76.71 | 76.19 |
| 409030999 | XXXXX | Debt to Income Ratio (Back) | 27.5100 | 28.6897 |
| 409031001 | XXXXX | Debt to Income Ratio (Back) | 49.7300 | 49.7284 |
| 409031002 | XXXXX | Debt to Income Ratio (Back) | 31.6900 | 32.6180 |
| 409031003 | XXXXX | Debt to Income Ratio (Back) | 40.9700 | 40.9684 |
| 409031004 | XXXXX | Debt to Income Ratio (Back) | 30.0600 | 29.8719 |
| 409031005 | XXXXX | Debt to Income Ratio (Back) | 27.3500 | 27.6978 |
| 409031006 | XXXXX | Debt to Income Ratio (Back) | 46.4700 | 44.4115 |
| 409031007 | XXXXX | Debt to Income Ratio (Back) | 34.8300 | 37.5536 |
| 409031009 | XXXXX | Debt to Income Ratio (Back) | 32.2700 | 32.3878 |
| 409031010 | XXXXX | Debt to Income Ratio (Back) | 29.1100 | 24.3422 |
| 409031011 | XXXXX | Debt to Income Ratio (Back) | 25.9900 | 26.6790 |
| 409031012 | XXXXX | Debt to Income Ratio (Back) | 39.5700 | 33.9446 |
| 409031013 | XXXXX | Debt to Income Ratio (Back) | 10.6400 | 10.5904 |
| 409031014 | XXXXX | Debt to Income Ratio (Back) | 33.4800 | 32.1933 |
| 409031015 | XXXXX | Debt to Income Ratio (Back) | 48.5800 | 47.7777 |
| 409031016 | XXXXX | Debt to Income Ratio (Back) | 39.6000 | 31.2838 |
| 409031017 | XXXXX | Debt to Income Ratio (Back) | 33.8300 | 28.4441 |
| 409031018 | XXXXX | Debt to Income Ratio (Back) | 44.2000 | 36.9610 |
| 409031019 | XXXXX | Debt to Income Ratio (Back) | 43.8800 | 43.8831 |
| 409031019 | XXXXX | Note Rate | 5875 | 5.8750 |
| 409031020 | XXXXX | Debt to Income Ratio (Back) | 47.2000 | 41.4340 |
| 409031041 | XXXXX | Debt to Income Ratio (Back) | 26.3400 | 42.4497 |
| 409031058 | XXXXX | Debt to Income Ratio (Back) | 37.6200 | 33.0396 |
| 409031159 | XXXXX | Debt to Income Ratio (Back) | 41.2900 | 41.0263 |
| 409031178 | XXXXX | Debt to Income Ratio (Back) | 31.7600 | 28.4542 |
| 409031178 | XXXXX | Original LTV | 42.58 | 50.00 |
| 409031222 | XXXXX | Debt to Income Ratio (Back) | 41.3400 | 41.1169 |
| 409031222 | XXXXX | Note Rate | 5.5 | 6.7500 |
| 409031222 | XXXXX | Original Balance | 552163.74 | 590000.00 |
| 409031288 | XXXXX | Debt to Income Ratio (Back) | 44.2300 | 42.8210 |
| 409031448 | XXXXX | Debt to Income Ratio (Back) | 25.9600 | 25.9181 |
| 409031466 | XXXXX | Debt to Income Ratio (Back) | 44.9300 | 41.0450 |
| 409031491 | XXXXX | Debt to Income Ratio (Back) | 37.5600 | 35.7900 |
| 409031621 | XXXXX | Debt to Income Ratio (Back) | 32.2000 | 32.5858 |
| 409031659 | XXXXX | Debt to Income Ratio (Back) | 38.5100 | 40.0211 |
| 409031659 | XXXXX | Original LTV | 79.63 | 75.80 |
| 409031708 | XXXXX | Debt to Income Ratio (Back) | 23.9100 | 24.1600 |
| 409031708 | XXXXX | Original LTV | 72.22 | 70.00 |
| 409031725 | XXXXX | Debt to Income Ratio (Back) | 21.5600 | 21.5563 |
| 409031726 | XXXXX | Debt to Income Ratio (Back) | 42.8900 | 42.9316 |
| 409031727 | XXXXX | Debt to Income Ratio (Back) | 29.3400 | 28.6003 |
| 409031729 | XXXXX | Debt to Income Ratio (Back) | 27.0900 | 26.4834 |
| 409031730 | XXXXX | Debt to Income Ratio (Back) | 33.7400 | 34.4697 |
| 409031731 | XXXXX | Debt to Income Ratio (Back) | 28.6200 | 27.8269 |
| 409031732 | XXXXX | Debt to Income Ratio (Back) | 27.2300 | 27.2092 |
| 409031734 | XXXXX | Debt to Income Ratio (Back) | 30.0700 | 29.1844 |
| 409031735 | XXXXX | Debt to Income Ratio (Back) | 40.1800 | 40.8348 |
| 409031737 | XXXXX | Debt to Income Ratio (Back) | 39.6500 | 39.6413 |
| 409031740 | XXXXX | Debt to Income Ratio (Back) | 24.1400 | 23.6104 |
| 409031740 | XXXXX | Original LTV | 74.00 | 53.68 |
| 409031741 | XXXXX | Debt to Income Ratio (Back) | 41.8700 | 40.8475 |
| 409031742 | XXXXX | Debt to Income Ratio (Back) | 15.9700 | 15.9690 |
| 409031743 | XXXXX | Debt to Income Ratio (Back) | 34.7500 | 34.7474 |
| 409031744 | XXXXX | Debt to Income Ratio (Back) | 33.2100 | 30.8016 |
| 409031745 | XXXXX | Debt to Income Ratio (Back) | 41.2600 | 41.2515 |
| 409031746 | XXXXX | Debt to Income Ratio (Back) | 36.2600 | 36.3553 |
| 409031748 | XXXXX | Debt to Income Ratio (Back) | 26.7200 | 26.7174 |
| 409031750 | XXXXX | Debt to Income Ratio (Back) | 22.1200 | 21.5670 |
| 409031751 | XXXXX | Debt to Income Ratio (Back) | 17.5900 | 18.4929 |
| 409031752 | XXXXX | Debt to Income Ratio (Back) | 42.0400 | 41.3612 |
| 409031753 | XXXXX | Debt to Income Ratio (Back) | 40.1300 | 39.6612 |
| 409031755 | XXXXX | Debt to Income Ratio (Back) | 25.4800 | 28.8085 |
| 409031756 | XXXXX | Debt to Income Ratio (Back) | 11.5100 | 11.4954 |
| 409031757 | XXXXX | Debt to Income Ratio (Back) | 39.1400 | 39.0860 |
| 409031759 | XXXXX | Debt to Income Ratio (Back) | 22.3800 | 21.4499 |
| 409031760 | XXXXX | Debt to Income Ratio (Back) | 41.2000 | 41.1797 |
| 409031761 | XXXXX | Debt to Income Ratio (Back) | 18.6100 | 18.0317 |
| 409031762 | XXXXX | Debt to Income Ratio (Back) | 33.8800 | 33.5769 |
| 409031763 | XXXXX | Debt to Income Ratio (Back) | 39.0700 | 44.0789 |
| 409031764 | XXXXX | Debt to Income Ratio (Back) | 36.1600 | 36.0078 |
| 409031765 | XXXXX | Debt to Income Ratio (Back) | 41.1500 | 40.5291 |
| 409031766 | XXXXX | Debt to Income Ratio (Back) | 31.1200 | 30.0256 |
| 409031767 | XXXXX | Debt to Income Ratio (Back) | 45.4500 | 45.0507 |
| 409031768 | XXXXX | Debt to Income Ratio (Back) | 33.2300 | 33.5960 |
| 409031769 | XXXXX | Debt to Income Ratio (Back) | 38.5900 | 38.5793 |
| 409031770 | XXXXX | Debt to Income Ratio (Back) | 44.9700 | 44.9685 |
| 409031771 | XXXXX | Debt to Income Ratio (Back) | 42.8200 | 42.8232 |
| 409031772 | XXXXX | Debt to Income Ratio (Back) | 44.9500 | 44.9548 |
| 409031773 | XXXXX | Debt to Income Ratio (Back) | 43.6200 | 43.9446 |
| 409031774 | XXXXX | Debt to Income Ratio (Back) | 42.0200 | 42.8288 |
| 409031777 | XXXXX | Debt to Income Ratio (Back) | 33.4300 | 44.7969 |
| 409031779 | XXXXX | Debt to Income Ratio (Back) | 19.0400 | 19.0380 |
| 409031792 | XXXXX | Debt to Income Ratio (Back) | 42.8900 | 44.2940 |
| 409031803 | XXXXX | Debt to Income Ratio (Back) | 42.5500 | 42.5490 |
| 409031835 | XXXXX | Debt to Income Ratio (Back) | 26.7500 | 37.3577 |
| 409031835 | XXXXX | Original LTV | 40.00 | 40.08 |
| 409032147 | XXXXX | Debt to Income Ratio (Back) | 24.6700 | 24.6774 |
| 409032147 | XXXXX | Original LTV | 69.54 | 68.28 |
| 409032168 | XXXXX | Debt to Income Ratio (Back) | 10.4000 | 27.4804 |
| 409032168 | XXXXX | Original LTV | 71.90 | 68.75 |
| 409032545 | XXXXX | Debt to Income Ratio (Back) | 37.2600 | 43.0193 |
| 409032548 | XXXXX | Debt to Income Ratio (Back) | 25.8200 | 38.2219 |
| 409032588 | XXXXX | Debt to Income Ratio (Back) | 39.1800 | 33.3993 |
| 409032599 | XXXXX | Debt to Income Ratio (Back) | 35.5500 | 20.1002 |
| 409032619 | XXXXX | Debt to Income Ratio (Back) | 24.1300 | 25.9613 |
| 409032827 | XXXXX | Debt to Income Ratio (Back) | 34.0100 | 31.4292 |
| 409032911 | XXXXX | Debt to Income Ratio (Back) | 26.8700 | 26.3715 |
| 409032936 | XXXXX | Debt to Income Ratio (Back) | 42.9000 | 39.8997 |
| 409032947 | XXXXX | Debt to Income Ratio (Back) | 23.9400 | 25.7009 |
| 409032947 | XXXXX | Original LTV | 55.32 | 56.06 |
| 409032987 | XXXXX | Debt to Income Ratio (Back) | 4.6300 | 4.6365 |
| 409033256 | XXXXX | Debt to Income Ratio (Back) | 41.4600 | 38.0580 |
| 409033267 | XXXXX | Debt to Income Ratio (Back) | 41.7100 | 36.6563 |
| 409033271 | XXXXX | Debt to Income Ratio (Back) | 31.0400 | 30.0335 |
| 409033274 | XXXXX | Debt to Income Ratio (Back) | 32.7400 | 24.4098 |
| 409033278 | XXXXX | Debt to Income Ratio (Back) | 42.4600 | 42.0186 |
| 409033290 | XXXXX | Debt to Income Ratio (Back) | 42.1500 | 34.3112 |
| 409033290 | XXXXX | Original LTV | 80.00 | 78.68 |
| 409033304 | XXXXX | Debt to Income Ratio (Back) | 33.6500 | 33.9525 |
| 409033305 | XXXXX | Debt to Income Ratio (Back) | 35.4000 | 36.8255 |
| 409033307 | XXXXX | Debt to Income Ratio (Back) | 31.7400 | 29.9649 |
| 409033308 | XXXXX | Debt to Income Ratio (Back) | 29.3000 | 28.9620 |
| 409033309 | XXXXX | Debt to Income Ratio (Back) | 26.9000 | 26.9617 |
| 409033328 | XXXXX | Debt to Income Ratio (Back) | 31.4300 | 33.1427 |
| 409033343 | XXXXX | Debt to Income Ratio (Back) | 19.5900 | 19.0035 |
| 409033358 | XXXXX | Debt to Income Ratio (Back) | 42.0000 | 42.3529 |
| 409033358 | XXXXX | Original Balance | 2117355.00 | 2117335.00 |
| 409033372 | XXXXX | Debt to Income Ratio (Back) | 32.4600 | 35.5183 |
| 409033401 | XXXXX | Debt to Income Ratio (Back) | 33.3500 | 31.2343 |
| 409033436 | XXXXX | Debt to Income Ratio (Back) | 37.5800 | 34.3478 |
| 409033446 | XXXXX | Debt to Income Ratio (Back) | 35.0000 | 40.5603 |
| 409033446 | XXXXX | Original LTV | 68.08 | 72.24 |
| 409033451 | XXXXX | Debt to Income Ratio (Back) | 29.0000 | 23.6977 |
| 409033459 | XXXXX | Debt to Income Ratio (Back) | 41.2800 | 33.9479 |
| 409033489 | XXXXX | Debt to Income Ratio (Back) | 42.1500 | 41.4524 |
| 409033500 | XXXXX | Debt to Income Ratio (Back) | 38.9700 | 36.8922 |
| 409033509 | XXXXX | Debt to Income Ratio (Back) | 35.5300 | 18.4243 |
| 409033509 | XXXXX | Original LTV | 56.36 | 51.67 |
| 409033520 | XXXXX | Debt to Income Ratio (Back) | 40.0000 | 39.3723 |
| 409033520 | XXXXX | Original LTV | 71.03 | 77.96 |
| 409033768 | XXXXX | Debt to Income Ratio (Back) | 38.3800 | 35.2140 |
| 409033768 | XXXXX | Original LTV | 70.08 | 80.00 |
| 409033779 | XXXXX | Debt to Income Ratio (Back) | 35.1800 | 40.9608 |
| 409033817 | XXXXX | Debt to Income Ratio (Back) | 28.3800 | 27.4040 |
| 409033817 | XXXXX | Original LTV | 74.76 | 74.74 |
| 409033818 | XXXXX | Debt to Income Ratio (Back) | 17.7600 | 17.7480 |
| 409033819 | XXXXX | Debt to Income Ratio (Back) | 39.5600 | 34.4449 |
| 409033820 | XXXXX | Debt to Income Ratio (Back) | 28.1300 | 28.1326 |
| 409033821 | XXXXX | Debt to Income Ratio (Back) | 41.6600 | 41.4199 |
| 409033822 | XXXXX | Debt to Income Ratio (Back) | 40.6100 | 40.6176 |
| 409033823 | XXXXX | Debt to Income Ratio (Back) | 37.5700 | 35.2380 |
| 409033823 | XXXXX | Note Rate | 6.25 | 5.9900 |
| 409033823 | XXXXX | Original Balance | 1800000.00 | 1158500.00 |
| 409033824 | XXXXX | Debt to Income Ratio (Back) | 38.7500 | 38.5813 |
| 409033825 | XXXXX | Debt to Income Ratio (Back) | 38.8200 | 38.8230 |
| 409033826 | XXXXX | Debt to Income Ratio (Back) | 39.0900 | 39.3562 |
| 409033827 | XXXXX | Debt to Income Ratio (Back) | 35.7900 | 35.7849 |
| 409033828 | XXXXX | Debt to Income Ratio (Back) | 42.4400 | 42.0060 |
| 409033829 | XXXXX | Debt to Income Ratio (Back) | 36.9000 | 37.2064 |
| 409033831 | XXXXX | Debt to Income Ratio (Back) | 28.6700 | 28.1814 |
| 409033832 | XXXXX | Debt to Income Ratio (Back) | 33.7100 | 33.7063 |
| 409033834 | XXXXX | Debt to Income Ratio (Back) | 35.1000 | 35.0830 |
| 409033835 | XXXXX | Debt to Income Ratio (Back) | 42.7200 | 42.7187 |
| 409033836 | XXXXX | Debt to Income Ratio (Back) | 27.1600 | 27.1046 |
| 409033837 | XXXXX | Debt to Income Ratio (Back) | 33.0100 | 30.6652 |
| 409033839 | XXXXX | Debt to Income Ratio (Back) | 33.5000 | 37.3799 |
| 409033840 | XXXXX | Debt to Income Ratio (Back) | 31.7100 | 31.7143 |
| 409033841 | XXXXX | Debt to Income Ratio (Back) | 40.6400 | 35.8371 |
| 409033842 | XXXXX | Debt to Income Ratio (Back) | 28.0600 | 25.6245 |
| 409033843 | XXXXX | Debt to Income Ratio (Back) | 34.8100 | 30.2316 |
| 409033844 | XXXXX | Debt to Income Ratio (Back) | 27.8800 | 27.8707 |
| 409033845 | XXXXX | Debt to Income Ratio (Back) | 38.1900 | 33.0741 |
| 409033846 | XXXXX | Debt to Income Ratio (Back) | 35.5800 | 35.5709 |
| 409033846 | XXXXX | Note Rate | 5875 | 5.8750 |
| 409033847 | XXXXX | Debt to Income Ratio (Back) | 41.7400 | 41.4599 |
| 409033848 | XXXXX | Debt to Income Ratio (Back) | 36.1600 | 36.1693 |
| 409033850 | XXXXX | Debt to Income Ratio (Back) | 39.8900 | 39.8773 |
| 409033851 | XXXXX | Debt to Income Ratio (Back) | 42.9900 | 42.9874 |
| 409033852 | XXXXX | Debt to Income Ratio (Back) | 35.8700 | 34.8032 |
| 409033853 | XXXXX | Debt to Income Ratio (Back) | 24.3000 | 23.5666 |
| 409033854 | XXXXX | Debt to Income Ratio (Back) | 41.1000 | 41.0984 |
| 409033855 | XXXXX | Debt to Income Ratio (Back) | 40.5300 | 39.2905 |
| 409033856 | XXXXX | Debt to Income Ratio (Back) | 37.4000 | 38.0398 |
| 409033857 | XXXXX | Debt to Income Ratio (Back) | 41.6000 | 41.9798 |
| 409033858 | XXXXX | Debt to Income Ratio (Back) | 29.5700 | 29.1753 |
| 409033858 | XXXXX | Note Rate | 5.99 | 6.2500 |
| 409033858 | XXXXX | Original Balance | 1158500.00 | 1800000.00 |
| 409033861 | XXXXX | Debt to Income Ratio (Back) | 42.3900 | 42.3988 |
| 409033915 | XXXXX | Debt to Income Ratio (Back) | 24.2700 | 27.3372 |
| 409034006 | XXXXX | Debt to Income Ratio (Back) | 30.0000 | 29.3617 |
| 409034047 | XXXXX | Debt to Income Ratio (Back) | 30.5500 | 30.3562 |
| 409034047 | XXXXX | Original LTV | 57.24 | 59.29 |
| 409034050 | XXXXX | Debt to Income Ratio (Back) | 42.8900 | 40.4325 |
| 409034082 | XXXXX | Debt to Income Ratio (Back) | 39.9900 | 39.1975 |
| 409034082 | XXXXX | Original LTV | 50.00 | 51.05 |
| 409034090 | XXXXX | Debt to Income Ratio (Back) | 42.7200 | 40.0548 |
| 409034099 | XXXXX | Debt to Income Ratio (Back) | 35.3300 | 26.2759 |
| 409034099 | XXXXX | Original LTV | 58.54 | 53.66 |
| 409034102 | XXXXX | Debt to Income Ratio (Back) | 34.7100 | 31.4876 |
| 409034104 | XXXXX | Debt to Income Ratio (Back) | 30.6100 | 29.0626 |
| 409034107 | XXXXX | Debt to Income Ratio (Back) | 41.0400 | 25.4914 |
| 409034107 | XXXXX | Original LTV | 58.21 | 59.25 |
| 409034108 | XXXXX | Debt to Income Ratio (Back) | 12.5900 | 9.6046 |
| 409034108 | XXXXX | Original LTV | 59.67 | 63.57 |
| 409034109 | XXXXX | Debt to Income Ratio (Back) | 27.0100 | 41.2314 |
| 409034114 | XXXXX | Debt to Income Ratio (Back) | 42.8900 | 39.6388 |
| 409034122 | XXXXX | Debt to Income Ratio (Back) | 45.0000 | 38.1576 |
| 409034139 | XXXXX | Debt to Income Ratio (Back) | 21.0000 | 33.7599 |
| 409034142 | XXXXX | Debt to Income Ratio (Back) | 11.0000 | 12.9815 |
| 409034145 | XXXXX | Debt to Income Ratio (Back) | 39.2700 | 38.6053 |
| 409034160 | XXXXX | Debt to Income Ratio (Back) | 27.0200 | 24.5844 |
| 409034186 | XXXXX | Debt to Income Ratio (Back) | 26.7700 | 23.2475 |
| 409034192 | XXXXX | Debt to Income Ratio (Back) | 40.9700 | 40.9812 |
| 409034243 | XXXXX | Debt to Income Ratio (Back) | 40.5100 | 37.6911 |
| 409034262 | XXXXX | Debt to Income Ratio (Back) | 37.8800 | 36.4840 |
| 409034295 | XXXXX | Debt to Income Ratio (Back) | 42.7000 | 40.3403 |
| 409034295 | XXXXX | Original LTV | 65.00 | 62.93 |
| 409034316 | XXXXX | Debt to Income Ratio (Back) | 16.2500 | 32.4218 |
| 409034316 | XXXXX | Original LTV | 48.12 | 47.64 |
| 409034335 | XXXXX | Debt to Income Ratio (Back) | 27.6600 | 24.7430 |
| 409034337 | XXXXX | Debt to Income Ratio (Back) | 36.7000 | 41.9759 |
| 409034344 | XXXXX | Debt to Income Ratio (Back) | 39.2500 | 41.9160 |
| 409034347 | XXXXX | Debt to Income Ratio (Back) | 39.7000 | 31.6765 |
| 409034985 | XXXXX | Debt to Income Ratio (Back) | 38.8900 | 34.7083 |
| 409034985 | XXXXX | Original LTV | 69.86 | 75.00 |
| 409035034 | XXXXX | Debt to Income Ratio (Back) | 39.6400 | 33.2415 |
| 409035353 | XXXXX | Debt to Income Ratio (Back) | 18.4300 | 34.7679 |
| 409035381 | XXXXX | Debt to Income Ratio (Back) | 32.0100 | 31.3524 |
| 409035396 | XXXXX | Debt to Income Ratio (Back) | 36.4000 | 36.4894 |
| 409035414 | XXXXX | Debt to Income Ratio (Back) | 44.9000 | 42.7484 |
| 409035549 | XXXXX | Debt to Income Ratio (Back) | 33.9800 | 32.1300 |
| 409036698 | XXXXX | Debt to Income Ratio (Back) | 27.5800 | 26.8031 |
| 409036977 | XXXXX | Debt to Income Ratio (Back) | 31.0000 | 40.9062 |
| 409036986 | XXXXX | Debt to Income Ratio (Back) | 39.7000 | 37.0663 |
| 409037010 | XXXXX | Debt to Income Ratio (Back) | 43.0000 | 40.8175 |
| 409037286 | XXXXX | Debt to Income Ratio (Back) | 29.2300 | 28.7523 |
| 409037610 | XXXXX | Debt to Income Ratio (Back) | 38.7000 | 36.3824 |
| 409037617 | XXXXX | Debt to Income Ratio (Back) | 42.9100 | 40.5658 |
| 409037654 | XXXXX | Debt to Income Ratio (Back) | 36.6100 | 27.9260 |
| 409037668 | XXXXX | Debt to Income Ratio (Back) | 40.3800 | 38.4042 |
| 409037681 | XXXXX | Debt to Income Ratio (Back) | 40.6900 | 39.6219 |
| 409037749 | XXXXX | Debt to Income Ratio (Back) | 29.0000 | 29.5352 |
| 409037785 | XXXXX | Debt to Income Ratio (Back) | 32.6600 | 30.1959 |
| 409037951 | XXXXX | Debt to Income Ratio (Back) | 4.7000 | 4.9657 |
| 409037972 | XXXXX | Debt to Income Ratio (Back) | 42.3400 | 42.2295 |
| 409038039 | XXXXX | Debt to Income Ratio (Back) | 22.7200 | 21.8564 |
| 409038067 | XXXXX | Debt to Income Ratio (Back) | 23.5300 | 23.3823 |
| 409038067 | XXXXX | Original LTV | 69.28 | 70.00 |
| 409038069 | XXXXX | Debt to Income Ratio (Back) | 28.4500 | 26.9217 |
| 409038069 | XXXXX | Original Balance | 825000.00 | 820000.00 |
| 409038069 | XXXXX | Original LTV | 61.11 | 60.74 |
| 409038073 | XXXXX | Debt to Income Ratio (Back) | 29.3600 | 28.5709 |
| 409038324 | XXXXX | Debt to Income Ratio (Back) | 12.0000 | 15.0566 |
| 409038597 | XXXXX | Debt to Income Ratio (Back) | 43.5300 | 42.0190 |
| 409039296 | XXXXX | Debt to Income Ratio (Back) | 39.4500 | 37.5892 |
| 409039483 | XXXXX | Debt to Income Ratio (Back) | 40.9900 | 38.4652 |
| 409038384 | XXXXX | Debt to Income Ratio (Back) | 39.5400 | 40.1001 |
| 409038385 | XXXXX | Debt to Income Ratio (Back) | 21.3400 | 21.5841 |
| 409038386 | XXXXX | Debt to Income Ratio (Back) | 38.0500 | 38.0479 |
| 409038387 | XXXXX | Debt to Income Ratio (Back) | 44.9100 | 44.9109 |
| 409038388 | XXXXX | Debt to Income Ratio (Back) | 44.4100 | 44.3999 |
|©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.3

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2026 HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **260** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *260* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 409022016 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9045 | XXXXX | 7.308 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022020 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4995 | XXXXX | 6.0288 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022021 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5735.5 | XXXXX | 7.4184 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022029 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11455 | XXXXX | 5.6313 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022040 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6625 | XXXXX | 6.3047 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022041 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14125 | XXXXX | 6.9416 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409022053 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5625 | XXXXX | 6.0413 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409022288 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.4054 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409023727 | QM: Rebuttable Presumption (APOR) <br>| No | XXXXX | XXXXX | No | Yes | 1531 | XXXXX | 6.7889 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024237 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8175 | XXXXX | 6.6442 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024436 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1480 | XXXXX | 6.4582 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409024602 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7189.5 | XXXXX | 7.2231 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409025430 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3090 | XXXXX | 6.5116 | Employed | Employed | U.S. Citizen | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409025472 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6785 | XXXXX | 6.5256 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409025997 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11900 | XXXXX | 6.4294 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026012 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 14902.5 | XXXXX | 6.4755 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026066 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2084.25 | XXXXX | 6.2912 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409026125 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8527.6 | XXXXX | 6.3308 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026162 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026178 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6210 | XXXXX | 6.4036 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026188 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.3751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026193 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1750 | XXXXX | 6.3703 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026202 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 875 | XXXXX | 6.204 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026260 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 6.2349 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026332 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 495 | XXXXX | 6.152 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026337 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790.25 | XXXXX | 6.3826 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026356 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.3436 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409026906 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1630 | XXXXX | 6.2817 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409026997 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2033 | XXXXX | 6.9126 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409027029 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.8187 | Unemployed | Employed | Non-Permanent Resident Alien <br>| Non-Permanent Resident Alien <br>| (No Data) | No | XXXXX |
| 409027058 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3535.46 | XXXXX | 6.458 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028839 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.3513 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028841 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.3638 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409028957 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 5672 | XXXXX | 6.3238 | Employed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409029084 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1737.33 | XXXXX | 6.5228 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029142 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2030 | XXXXX | 6.5032 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029166 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1909 | XXXXX | 6.5254 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029234 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.0761 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409029266 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 36590 | XXXXX | 6.3056 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030231 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2250 | XXXXX | 6.2867 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030548 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.696 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409030636 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1909 | XXXXX | 6.4465 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030649 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 0 | XXXXX | 6.3036 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409030999 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.2599 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031001 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4237.5 | XXXXX | 6.3617 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031002 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.2813 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031003 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1425 | XXXXX | 6.662 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031004 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1425 | XXXXX | 6.5547 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031005 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.491 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031006 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.3053 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | XXXXX |
| 409031007 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.1923 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031009 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2686.2 | XXXXX | 6.2561 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031010 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2611.2 | XXXXX | 6.2892 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031011 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.3756 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031012 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.204 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031013 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2486.2 | XXXXX | 6.2489 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031014 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.2096 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031015 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.5671 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031016 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.2681 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031017 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1425 | XXXXX | 6.3088 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031018 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.1623 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409031019 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.1041 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031020 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1425 | XXXXX | 6.1907 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031041 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 17200 | XXXXX | 6.2619 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031058 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 18375 | XXXXX | 6.5959 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031159 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1915 | XXXXX | 6.4151 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031178 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2827.3 | XXXXX | 6.3135 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031222 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 875 | XXXXX | 6.8659 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031288 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 690 | XXXXX | 6.6024 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031448 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1595 | XXXXX | 6.5183 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031466 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5065.84 | XXXXX | 6.5374 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031491 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.379 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031621 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1370 | XXXXX | 6.311 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031659 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 15061 | XXXXX | 6.4967 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031708 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1850 | XXXXX | 6.3318 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031725 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.0361 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031726 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1070 | XXXXX | 6.084 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031727 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4965 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031729 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4034 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031730 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.3387 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031731 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.2191 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031732 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.504 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031734 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4318 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031735 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.5617 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031737 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.2203 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031740 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1160 | XXXXX | 6.5346 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031741 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.1778 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031742 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1233.95 | XXXXX | 6.1944 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031743 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.3674 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409031744 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1160 | XXXXX | 5.8347 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031745 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.1134 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409031746 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.2312 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031748 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.2984 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031750 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4325 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031751 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.2852 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031752 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4553 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031753 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.1799 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031755 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.3727 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031756 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1070 | XXXXX | 6.3721 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031757 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4038 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031759 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.3307 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031760 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4285 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031761 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.364 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031762 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4942 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031763 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.4104 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031764 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.3741 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031765 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1602.5 | XXXXX | 6.4001 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031766 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1210 | XXXXX | 6.5026 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031767 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.588 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031768 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.5348 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031769 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.4592 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031770 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.3927 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031771 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.5131 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031772 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.5308 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031773 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.4735 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031774 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1130 | XXXXX | 6.6706 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031777 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1130 | XXXXX | 6.5249 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409031779 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 1230 | XXXXX | 6.9409 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031792 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1355 | XXXXX | 6.7709 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031803 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 1230 | XXXXX | 7.6936 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409031835 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 899 | XXXXX | 6.2569 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032147 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7775 | XXXXX | 6.3718 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032168 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.3212 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409032545 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9015 | XXXXX | 6.4375 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032548 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.2902 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032588 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1863 | XXXXX | 6.4535 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032599 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3658 | XXXXX | 6.3738 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032619 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 927.9 | XXXXX | 6.4102 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409032827 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1495 | XXXXX | 6.3289 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409032911 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8385.4 | XXXXX | 6.9348 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | XXXXX |
| 409032936 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2433 | XXXXX | 6.3945 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409032947 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6267.86 | XXXXX | 6.1906 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409032987 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 514 | XXXXX | 6.1395 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033256 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.3687 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409033267 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1940 | XXXXX | 6.3142 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033271 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.2027 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033274 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 980 | XXXXX | 6.2513 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033278 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1740 | XXXXX | 6.2642 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033290 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9085 | XXXXX | 6.3461 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033304 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1790 | XXXXX | 6.1902 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033305 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3793.62 | XXXXX | 6.2981 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033307 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1075 | XXXXX | 6.3185 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409033308 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 395 | XXXXX | 6.3052 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033309 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1695 | XXXXX | 6.4597 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033328 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7195 | XXXXX | 6.4029 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033343 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2345 | XXXXX | 6.319 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033358 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1499 | XXXXX | 6.1878 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033372 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3492.32 | XXXXX | 6.2767 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033401 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1690 | XXXXX | 6.2583 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033436 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1915 | XXXXX | 6.3238 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033446 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2721.25 | XXXXX | 6.3931 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033451 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1745 | XXXXX | 6.3599 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033459 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1080 | XXXXX | 6.5067 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033489 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1460 | XXXXX | 6.7519 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033500 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 6120 | XXXXX | 6.2392 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033509 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1820 | XXXXX | 6.3387 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033520 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1720 | XXXXX | 6.2597 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033768 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1580 | XXXXX | 6.3909 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033779 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1419 | XXXXX | 6.41 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033817 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12888.75 | XXXXX | 6.554 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033818 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5000 | XXXXX | 6.8162 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033819 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1395 | XXXXX | 6.5472 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033820 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2569 | XXXXX | 6.8556 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033821 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6784 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033822 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1694 | XXXXX | 6.8234 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033823 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2445 | XXXXX | 6.6256 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033824 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2070 | XXXXX | 6.6965 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033825 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2435 | XXXXX | 6.7001 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033826 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4195 | XXXXX | 6.875 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033827 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2470 | XXXXX | 6.5142 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033828 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5171.25 | XXXXX | 6.7914 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033829 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.7921 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409033831 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4415 | XXXXX | 6.6605 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033832 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3065 | XXXXX | 6.7629 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033834 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3065 | XXXXX | 6.8323 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033835 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.7502 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033836 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2815 | XXXXX | 6.5665 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033837 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 5755.36 | XXXXX | 6.8895 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033839 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8992.1 | XXXXX | 6.7941 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033840 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 8785 | XXXXX | 6.8349 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033841 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 11072.2 | XXXXX | 6.8298 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033842 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2145.77 | XXXXX | 6.6985 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033843 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9535 | XXXXX | 6.8375 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033844 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4895 | XXXXX | 6.8375 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033845 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6560 | XXXXX | 6.8575 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033846 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 5744.92 | XXXXX | 6.8145 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033847 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2200 | XXXXX | 6.7576 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033848 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2200 | XXXXX | 6.7705 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409033850 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12165.1 | XXXXX | 6.8859 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033851 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6882.84 | XXXXX | 6.7837 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409033852 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6223.46 | XXXXX | 6.7887 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033853 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1963.04 | XXXXX | 6.723 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033854 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12275 | XXXXX | 6.887 | Employed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | No | XXXXX |
| 409033855 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.6515 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033856 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2665 | XXXXX | 6.7272 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409033857 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2465 | XXXXX | 6.7315 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033858 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3695 | XXXXX | 6.6861 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033861 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1925 | XXXXX | 6.2072 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409033915 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 7277 | XXXXX | 6.3362 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034006 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 975 | XXXXX | 6.1858 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034047 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.0007 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034050 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 12255.5 | XXXXX | 6.4288 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034082 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.2251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034090 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 16156.2 | XXXXX | 6.2129 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034099 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.0889 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034102 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.1301 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034104 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3496.4 | XXXXX | 6.1419 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034107 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 13865 | XXXXX | 6.2052 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034108 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.0636 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034109 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1970 | XXXXX | 6.4483 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034114 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1850 | XXXXX | 6.1351 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034122 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.1688 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034139 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1675 | XXXXX | 6.2037 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034142 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1370 | XXXXX | 5.8608 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034145 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2043.25 | XXXXX | 6.2816 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034160 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6464 | XXXXX | 6.2343 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409034186 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1695 | XXXXX | 6.2595 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034192 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21687.5 | XXXXX | 6.1116 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034243 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1200 | XXXXX | 6.1274 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034262 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 6324 | XXXXX | 6.4123 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034295 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.2088 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | XXXXX |
| 409034316 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1350 | XXXXX | 6.0884 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034335 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 959 | XXXXX | 5.9861 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034337 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1885 | XXXXX | 6.4812 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409034344 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 9070 | XXXXX | 6.2636 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409034347 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1390 | XXXXX | 6.4289 | Employed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | XXXXX |
| 409034985 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2320 | XXXXX | 6.1382 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035034 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 1850 | XXXXX | 6.3025 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035353 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 995 | XXXXX | 6.0832 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035381 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1620 | XXXXX | 6.1888 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409035396 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1582 | XXXXX | 6.3299 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035414 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2714 | XXXXX | 6.1272 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409035549 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1699 | XXXXX | 6.3336 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409036698 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 21840 | XXXXX | 6.5571 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409036977 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4977 | XXXXX | 6.027 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409036986 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4925.5 | XXXXX | 6.2831 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037010 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 4130 | XXXXX | 6.0281 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037286 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1585 | XXXXX | 6.164 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409037610 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.251 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037617 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2069 | XXXXX | 6.1992 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037654 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1995 | XXXXX | 6.1977 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037668 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1840 | XXXXX | 6.708 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037681 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1665 | XXXXX | 6.0784 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037749 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.0045 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409037785 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2440 | XXXXX | 6.1952 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037951 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.1954 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409037972 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1250 | XXXXX | 6.2529 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038039 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.3922 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038067 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1640 | XXXXX | 6.2569 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038069 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | Yes | Yes | 2480 | XXXXX | 6.2092 | Employed | Employed | Permanent Resident Alien | U.S. Citizen | (No Data) | No | XXXXX |
| 409038073 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2911 | XXXXX | 6.3296 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038324 | QM: Rebuttable Presumption (APOR) | No | XXXXX | XXXXX | No | Yes | 1675 | XXXXX | 6.6854 | Employed | Unemployed | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038384 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6243 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038385 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1595 | XXXXX | 6.6831 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038386 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.7486 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038387 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 0 | XXXXX | 6.4805 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | XXXXX |
| 409038388 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 2181.17 | XXXXX | 7.0709 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409038597 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1590 | XXXXX | 6.4499 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039296 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 3056.25 | XXXXX | 6.1452 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |
| 409039483 | QM: Safe Harbor (APOR) | No | XXXXX | XXXXX | No | Yes | 1990 | XXXXX | 6.3215 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | XXXXX |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.<br>

## Exhibit 99.4

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Client Name:** | **Redwood Trust** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **260** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *260* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **Loan Status** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Written VOE Form** | **Borrower 2 Written VOE Form** | **Borrower 3 Written VOE Form** | **Borrower 4 Written VOE Form** | **Borrower 1 P&L Prepared By** | **Borrower 2 P&L Prepared By** | **Borrower 3 P&L Prepared By** | **Borrower 4 P&L Prepared By** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR Method Used** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 409022016 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3080 | No | Yes | 0.944 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.93 | 45.77 | 42.93 | 45.77 | 45.77 | 45.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 36 months;<br> Written VOE - 27 months | 1099 - 36 months;<br> IRS Transcripts – Tax Return(s) - 0 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 13 months | Paystub - 1 months;<br> W2 - 36 months | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022020 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0288 | Yes | Yes | 0.6 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.73 | 42.03 | 42.73 | 42.03 | 42.03 | 38.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022021 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4184 | Yes | Yes | 1.883 | 1.955 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.92 | 37.14 | 40.92 | 37.14 | 37.14 | 38.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022029 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.6313 | Yes | Yes | 0.898 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.65 | 41.27 | 40.65 | 41.27 | 41.27 | 39.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022040 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3047 | Yes | Yes | 0.444 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.75 | 33.54 | 33.75 | 33.54 | 33.54 | 33.54 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022041 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9416 | Yes | Yes | 0.951 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.48 | 19.91 | 19.48 | 19.55 | 19.55 | 19.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022053 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Construction/Perm | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0413 | Yes | No | 1.463 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.33 | 40.81 | 43.33 | 40.81 | 40.81 | 40.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409022288 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | (No Data) | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | Not Applicable | 6.4054 | Yes | Yes | 0.135 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.24 | 30.15 | 30.24 | 27.66 | 27.66 | 30.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 60 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409023727 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7889 | No | No | 0.28 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.75 | 40.88 | 44.75 | 45.61 | 40.88 | 46.18 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024237 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6442 | Yes | Yes | 0.596 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.69 | 39.46 | 38.69 | 38.26 | 38.26 | 39.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024436 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4582 | Yes | Yes | 0.142 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.6 | 32.45 | 32.6 | 30.61 | 30.61 | 32.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409024602 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2231 | Yes | Yes | 0.829 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.62 | 42.59 | 42.62 | 42.59 | 42.59 | 42.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L Only - 6 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409025430 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5116 | Yes | Yes | 0.212 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.94 | 42.56 | 42.94 | 40.94 | 40.93 | 42.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409025472 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5256 | Yes | No | 0.622 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.73 | 44.16 | 44.73 | 42 | 42 | 44.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409025997 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4294 | Yes | Yes | 0.962 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.72 | 36.55 | 36.72 | 34.31 | 34.31 | 36.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026012 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4755 | Yes | No | 1.157 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.96 | 44.74 | 44.96 | 42.87 | 42.87 | 44.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026066 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Exempt | 1 | 6.2912 | Yes | No | 0.226 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.98 | 44.8 | 44.98 | 40.63 | 40.63 | 44.8 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026125 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3308 | Yes | Yes | 1.021 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.14 | 31.35 | 29.14 | 29 | 29 | 31.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026162 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3750 | Yes | Yes | 0.106 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.71 | 41.39 | 41.71 | 38.76 | 38.76 | 41.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026178 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4036 | Yes | No | 0.38 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.57 | 44.35 | 44.57 | 41.63 | 41.63 | 41.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 11 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026188 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3751 | Yes | Yes | 0.103 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.62 | 36.37 | 36.62 | 34.19 | 34.19 | 36.37 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026193 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3703 | Yes | Yes | 0.123 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34 | 37.86 | 34 | 34.69 | 34.69 | 37.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 33 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026202 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2040 | Yes | Yes | 0.084 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.66 | 38.46 | 38.66 | 36.33 | 36.33 | 38.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026260 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2349 | Yes | Yes | 0.133 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.63 | 26.7 | 24.63 | 24.63 | 24.63 | 26.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 33 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026332 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1520 | Yes | Yes | 0.054 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.56 | 37.66 | 38.56 | 34.61 | 34.61 | 38.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 22 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026337 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3826 | Yes | Yes | 0.179 | 0.191 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.08 | 31.96 | 33.08 | 30.35 | 30.35 | 31.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026356 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3436 | Yes | Yes | 0.144 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.55 | 39.4 | 39.55 | 37.25 | 37.25 | 39.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026906 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2817 | Yes | Yes | 0.192 | 0.192 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.83 | 25.28 | 25.83 | 22.77 | 22.77 | 25.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409026997 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9126 | Yes | Yes | 0.196 | 0.196 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.44 | 32.74 | 30.44 | 32.26 | 32.26 | 32.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 7 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409027029 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8187 | Yes | Yes | 0.171 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.56 | 42.76 | 42.56 | 40.94 | 40.94 | 42.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 5 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Other | Other | (No Data) | (No Data) |
| 409027058 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4580 | Yes | Yes | 0.317 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.8 | 25.35 | 25.8 | 23.55 | 23.55 | 25.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 9 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028839 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3513 | Yes | Yes | 0.107 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.41 | 41.12 | 41.41 | 38.6 | 38.6 | 41.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028841 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3638 | Yes | No | 0 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.68 | 44.58 | 44.68 | 41.54 | 41.54 | 44.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 34 months | Written VOE - 1 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409028957 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3238 | Yes | Yes | 0.648 | 0.170 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24 | 24.13 | 24 | 22.43 | 22.43 | 24.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 1 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 409029084 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5228 | Yes | Yes | 0.252 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.1 | 39.69 | 40.1 | 37.79 | 37.79 | 39.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029142 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5032 | Yes | Yes | 0.164 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.58 | 40.8 | 36.58 | 38.39 | 38.39 | 40.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 1 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029166 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5254 | Yes | Yes | 0.215 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.83 | 40.91 | 40.83 | 39.3 | 39.3 | 40.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029234 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0761 | Yes | Yes | 0.15 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.76 | 41.34 | 41.76 | 38.48 | 38.48 | 41.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 10 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409029266 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3056 | Yes | Yes | 2.14 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.71 | 39.71 | 39.71 | 35.63 | 35.63 | 39.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030231 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2867 | Yes | Yes | 0.108 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.96 | 38.75 | 37.96 | 35.91 | 35.91 | 39.04 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 34 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030548 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6960 | Yes | Yes | 0 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.84 | 32.85 | 32.84 | 32.08 | 32.08 | 32.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030636 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4465 | Yes | Yes | 0.176 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.16 | 44.26 | 42.16 | 42.06 | 42.06 | 44.26 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030649 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3036 | Yes | Yes | 0 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41 | 38.92 | 41 | 37.43 | 37.43 | 38.92 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 20 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409030999 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2599 | Yes | Yes | 0.102 | 0.102 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.51 | 28.93 | 27.51 | 28.69 | 28.69 | 28.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031001 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3617 | No | No | 1.537 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.72 | 49.73 | 49.72 | 49.73 | 49.73 | 50 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031002 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2813 | Yes | Yes | 0.242 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.69 | 32.62 | 31.69 | 32.62 | 32.62 | 33.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031003 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6620 | Yes | Yes | 0.179 | 0.018 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | 40.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031004 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Mid Rise Condo (5-8) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5547 | Yes | Yes | 1.398 | 1.398 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.11 | 29.87 | 30.11 | 29.87 | 29.87 | 29.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Personal Tax Return - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031005 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4910 | Yes | Yes | 0.348 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.35 | 27.7 | 27.35 | 27.7 | 27.7 | 27.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031006 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3053 | No | No | 0.198 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.47 | 44.41 | 46.47 | 44.41 | 44.41 | 44.75 | Yes | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 36 months;<br> P & L Only - 20 months;<br> Personal Tax Return - 24 months | P & L Only - 20 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031007 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1923 | Yes | Yes | 0.089 | 0.089 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.83 | 38.48 | 34.84 | 37.55 | 37.55 | 38.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031009 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2561 | Yes | Yes | 0.122 | 0.065 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.24 | 32.93 | 32.24 | 32.39 | 32.39 | 32.93 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | P & L - 12 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031010 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2892 | Yes | Yes | 0.156 | 0.156 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.47 | 24.81 | 25.47 | 27.81 | 24.34 | 24.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 25 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031011 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3756 | Yes | Yes | 0.488 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.99 | 26.68 | 25.99 | 26.68 | 26.68 | 26.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031012 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2040 | Yes | Yes | 0.174 | 0.174 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.57 | 35.18 | 39.57 | 38.44 | 33.94 | 35.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031013 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2489 | Yes | Yes | 0.547 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.64 | 10.69 | 10.64 | 10.59 | 10.59 | 10.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 24 months | 1099 - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031014 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2096 | Yes | Yes | 0.177 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.14 | 32.19 | 36.14 | 32.19 | 32.19 | 32.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 8 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031015 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5671 | No | No | 0.472 | 0.472 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 48.58 | 47.78 | 48.58 | 47.78 | 47.78 | 47.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031016 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2681 | Yes | Yes | 0.143 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.6 | 31.57 | 39.6 | 31.28 | 31.28 | 31.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031017 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3088 | Yes | Yes | 0.176 | 0.176 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.32 | 29.22 | 25.32 | 28.44 | 28.44 | 29.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 36 months;<br> Business Tax Return - 36 months | Business Tax Return - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 36 months;<br> W2 - 36 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031018 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1623 | No | No | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.2 | 38.66 | 44.2 | 43.15 | 36.96 | 38.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 5 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409031019 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1041 | No | No | 0.144 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.88 | 45.03 | 43.88 | 43.88 | 43.88 | 45.03 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 8 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031020 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1907 | Yes | No | 0.053 | 0.053 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.2 | 42.65 | 47.2 | 41.43 | 41.43 | 42.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031041 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.2619 | Yes | No | 0.868 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.8 | 42.45 | 43.8 | 42.45 | 42.45 | 43.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 36 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031058 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5959 | Yes | Yes | 1.246 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.06 | 34.72 | 32.06 | 33.04 | 33.04 | 34.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031159 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4151 | Yes | Yes | 0.202 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.29 | 42.69 | 41.29 | 41.03 | 41.03 | 41.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031178 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3135 | Yes | Yes | 0.141 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.17 | 30.57 | 32.17 | 28.45 | 28.45 | 30.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031222 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8659 | Yes | Yes | 0.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.19 | 41.12 | 41.19 | 41.12 | 41.12 | 41.12 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 20 months | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 13 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031288 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6024 | Yes | Yes | 0.097 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.82 | 44.24 | 42.82 | 42.82 | 42.82 | 44.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031448 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5183 | Yes | Yes | 0.135 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.92 | 25.92 | 25.92 | 25.92 | 25.92 | 26.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031466 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5374 | Yes | No | 0.423 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.42 | 42.65 | 43.32 | 41.05 | 41.05 | 42.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 34 months | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 33 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031491 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3790 | Yes | Yes | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.14 | 37.53 | 36.14 | 35.79 | 35.79 | 37.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 33 months;<br> Personal Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031621 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3110 | Yes | Yes | 0.069 | 0.069 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.21 | 35.29 | 32.21 | 32.59 | 32.59 | 32.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031659 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4967 | Yes | Yes | 1.419 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.95 | 41.67 | 41.95 | 40.02 | 40.02 | 41.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031708 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3318 | Yes | Yes | 0.148 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.16 | 25.89 | 24.16 | 24.16 | 24.16 | 25.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031725 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0361 | Yes | Yes | 0.508 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.56 | 21.8 | 21.56 | 21.56 | 21.56 | 21.8 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 2 months | Award Letter - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031726 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0840 | Yes | Yes | 0.287 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.89 | 44.5 | 42.89 | 42.93 | 42.93 | 44.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031727 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4965 | Yes | Yes | 0.308 | 0.315 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.33 | 29.68 | 29.33 | 31.21 | 28.6 | 28.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031729 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4034 | Yes | Yes | 0.215 | 0.321 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.09 | 27.76 | 27.09 | 26.48 | 26.48 | 27.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031730 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3387 | Yes | Yes | 0.285 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.74 | 35.39 | 33.74 | 34.47 | 34.47 | 35.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031731 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2191 | Yes | Yes | 0.362 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.62 | 27.83 | 28.62 | 27.83 | 27.83 | 27.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031732 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5040 | Yes | Yes | 0.359 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.23 | 28.9 | 27.23 | 31.31 | 27.21 | 31.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031734 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4318 | Yes | Yes | 0.427 | 0.427 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.07 | 30.43 | 30.07 | 29.18 | 29.18 | 30.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031735 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5617 | No | Yes | 0.208 | 0.212 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.18 | 42.83 | 40.18 | 44.97 | 40.83 | 45.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031737 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2203 | Yes | Yes | 0.803 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.64 | 39.64 | 39.64 | 39.64 | 39.64 | 39.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031740 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5346 | Yes | Yes | 0.225 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.14 | 23.61 | 24.14 | 23.61 | 23.61 | 23.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031741 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1778 | No | Yes | 0.452 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.87 | 42.56 | 41.87 | 45.84 | 40.85 | 42.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 10 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031742 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1944 | Yes | Yes | 1.048 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 15.97 | 16.46 | 15.97 | 15.97 | 15.97 | 16.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031743 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Second Home | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3674 | Yes | Yes | 0.493 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.75 | 34.75 | 34.75 | 34.75 | 34.75 | 34.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409031744 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | Yes | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8347 | Yes | Yes | 0.237 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.21 | 31.15 | 33.21 | 30.8 | 30.8 | 31.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031745 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1134 | Yes | Yes | 0.376 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.25 | 42.94 | 41.25 | 41.25 | 41.25 | 41.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409031746 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2312 | Yes | Yes | 0.426 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.26 | 37.17 | 36.26 | 39.32 | 36.36 | 36.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031748 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2984 | Yes | Yes | 0.436 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.72 | 27.25 | 26.72 | 26.72 | 26.72 | 26.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031750 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4325 | Yes | Yes | 0.285 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.57 | 21.57 | 21.57 | 21.57 | 21.57 | 22.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months | Paystub - 3 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031751 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2852 | Yes | Yes | 0.508 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.3 | 18.84 | 18.3 | 18.49 | 18.49 | 18.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 12 months | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | Other | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031752 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4553 | No | Yes | 0.243 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.04 | 43.43 | 42.04 | 44.67 | 41.36 | 45.11 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031753 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1799 | No | Yes | 0.282 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.12 | 41.49 | 40.12 | 44.98 | 39.66 | 39.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031755 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3727 | Yes | Yes | 0.313 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 25.51 | 29.36 | 25.51 | 28.81 | 28.81 | 29.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031756 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3721 | Yes | Yes | 0.35 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 11.5 | 11.5 | 11.5 | 11.5 | 11.5 | 11.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 10 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031757 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4038 | Yes | Yes | 0.185 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.14 | 40.42 | 39.14 | 39.09 | 39.09 | 40.42 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031759 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3307 | Yes | Yes | 0.324 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.38 | 21.94 | 22.38 | 21.45 | 21.45 | 21.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031760 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4285 | Yes | Yes | 0.431 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.35 | 43.41 | 40.35 | 41.18 | 41.18 | 41.18 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Offer Letter - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031761 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3640 | Yes | Yes | 0.228 | 0.228 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 18.61 | 18.34 | 18.61 | 18.03 | 18.03 | 18.34 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031762 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4942 | Yes | Yes | 0.372 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.87 | 35.32 | 33.87 | 37.8 | 33.58 | 33.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031763 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4104 | No | No | 0.26 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.08 | 46.07 | 44.08 | 44.08 | 44.08 | 44.08 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031764 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3741 | Yes | Yes | 0.341 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.16 | 37.86 | 36.16 | 36.01 | 36.01 | 36.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031765 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4001 | Yes | Yes | 0.858 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.14 | 40.53 | 41.14 | 40.53 | 40.53 | 40.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031766 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5026 | Yes | Yes | 0.294 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.51 | 30.03 | 29.51 | 30.03 | 30.03 | 30.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031767 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5880 | No | No | 0.388 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.45 | 47.48 | 45.45 | 50.07 | 45.05 | 45.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 12 months;<br> Business Tax Return - 12 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031768 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5348 | Yes | Yes | 0.649 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.22 | 33.6 | 33.22 | 33.6 | 33.6 | 33.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031769 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4592 | Yes | Yes | 0.456 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.59 | 39.72 | 38.59 | 38.58 | 38.58 | 39.72 | No | No | (No Data) | XXXXX | Yes | 120 | Yes | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031770 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.3927 | No | No | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.97 | 47.74 | 44.97 | 44.97 | 44.97 | 47.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031771 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5131 | Yes | Yes | 0.303 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.82 | 42.82 | 42.82 | 42.82 | 42.82 | 43.6 | No | No | (No Data) | XXXXX | Yes | 120 | Yes | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Bank Statements - 2 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031772 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5308 | No | No | 0.431 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.95 | 44.95 | 44.95 | 44.95 | 44.95 | 44.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031773 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4735 | No | No | 0.094 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43.62 | 45.97 | 43.62 | 43.94 | 43.94 | 43.94 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> Award Letter - 1 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031774 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6706 | Yes | Yes | 0.104 | 0.106 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.02 | 42.83 | 42.02 | 42.83 | 42.83 | 42.83 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 14 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031777 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5249 | No | Yes | 0.423 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.43 | 44.8 | 33.43 | 44.8 | 44.8 | 46.82 | No | Yes | Yes | XXXXX | Yes | 360 | No | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months | Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031779 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9409 | Yes | Yes | 0.467 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.04 | 19.04 | 19.04 | 21.76 | 19.04 | 22.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031792 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7709 | No | Yes | 0.169 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.89 | 44.29 | 42.89 | 44.29 | 44.29 | 44.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 4 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031803 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | (No Data) | U.S. Citizen | (No Data) | (No Data) | Primary | SFR-Attached | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6936 | No | Yes | 0.55 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.55 | 42.55 | 42.55 | 46.62 | 42.55 | 42.55 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409031835 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2569 | Yes | Yes | 0.09 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 43 | 37.36 | 43 | 37.36 | 37.36 | 39.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032147 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3718 | Yes | Yes | 0.694 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.06 | 26.06 | 26.06 | 24.68 | 24.68 | 26.06 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 12 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032168 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3212 | Yes | Yes | 0.15 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.42 | 29.44 | 29.42 | 27.48 | 27.48 | 29.41 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Employment Authorization Document | (No Data) | (No Data) |
| 409032545 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4375 | No | No | 0.996 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.68 | 44.57 | 44.68 | 43.02 | 43.02 | 44.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 24 months | Award Letter - 1 months;<br> Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032548 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2902 | Yes | Yes | 0.136 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.57 | 40.29 | 40.57 | 38.22 | 38.22 | 40.29 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032588 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4535 | Yes | Yes | 0.252 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.08 | 35.09 | 35.08 | 33.4 | 33.4 | 35.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032599 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3738 | Yes | Yes | 0.142 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.68 | 20.85 | 37.68 | 21.45 | 20.1 | 21.63 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 8 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032619 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4102 | Yes | Yes | 0.111 | 0.059 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.77 | 26.44 | 26.77 | 25.96 | 25.96 | 26.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032827 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3289 | Yes | Yes | 0.141 | 0.141 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.01 | 33.6 | 34.01 | 31.43 | 31.43 | 35.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409032911 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9348 | Yes | Yes | 0.623 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.87 | 26.69 | 26.87 | 26.37 | 26.37 | 26.69 | Yes | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter without Income - 1 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032936 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3945 | Yes | Yes | 0.122 | 0.122 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.9 | 42.13 | 42.9 | 39.9 | 39.9 | 42.13 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 33 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 409032947 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1906 | Yes | Yes | 0.28 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.1 | 26.72 | 27.1 | 25.7 | 25.7 | 26.72 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409032987 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1395 | Yes | Yes | 0.03 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 4.36 | 4.64 | 4.36 | 4.64 | 4.64 | 4.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033256 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3687 | Yes | Yes | 0 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.71 | 38.86 | 38.71 | 38.06 | 38.06 | 38.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409033267 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3142 | Yes | Yes | 0.114 | 0.114 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.71 | 39.21 | 41.71 | 36.66 | 36.66 | 39.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033271 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2027 | Yes | Yes | 0.174 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.45 | 31.34 | 34.45 | 30.03 | 30.03 | 31.34 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | Yes | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033274 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2513 | Yes | Yes | 0.078 | 0.078 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.71 | 25.85 | 32.71 | 24.41 | 24.41 | 25.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033278 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2642 | Yes | Yes | 0.134 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.59 | 43.85 | 42.59 | 42.02 | 42.02 | 43.85 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033290 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3461 | Yes | Yes | 0.919 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.07 | 36.67 | 37.07 | 34.31 | 34.31 | 36.67 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033304 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1902 | Yes | Yes | 0.096 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36.67 | 36.32 | 36.67 | 33.95 | 33.95 | 36.32 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Offer Letter - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 7 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 11 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033305 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2981 | Yes | Yes | 0.289 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.57 | 38.57 | 41.57 | 41.03 | 36.83 | 41.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033307 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3185 | Yes | Yes | 0.138 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.75 | 31.75 | 31.75 | 29.96 | 29.96 | 31.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409033308 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3052 | Yes | Yes | 0.024 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.31 | 29.88 | 29.31 | 28.96 | 28.96 | 29.88 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 9 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033309 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4597 | Yes | Yes | 0.192 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.96 | 27.57 | 26.96 | 26.96 | 26.96 | 26.96 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Personal Bank Statements - 2 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033328 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4029 | Yes | Yes | 0.828 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.29 | 34.19 | 33.29 | 33.14 | 33.14 | 34.19 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033343 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3190 | Yes | Yes | 0.212 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19 | 19.86 | 19 | 19 | 19 | 19.86 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033358 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1878 | Yes | No | 0.071 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.58 | 42.35 | 44.58 | 42.35 | 42.35 | 44.13 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033372 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2767 | Yes | Yes | 0.294 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.01 | 36.46 | 31.01 | 35.52 | 35.52 | 36.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033401 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2583 | Yes | Yes | 0.157 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.36 | 33.68 | 33.36 | 31.23 | 31.23 | 31.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033436 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3238 | Yes | Yes | 0.215 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.02 | 35.41 | 38.02 | 34.35 | 34.35 | 35.41 | No | No | (No Data) | XXXXX | Yes | 360 | No | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Bank Statements - 2 months;<br> Written VOE - 30 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033446 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3931 | Yes | Yes | 0.309 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.38 | 42.07 | 42.38 | 40.56 | 40.56 | 42.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 35 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033451 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3599 | Yes | Yes | 0.155 | 0.155 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.66 | 24.89 | 26.66 | 23.7 | 23.7 | 24.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033459 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5067 | Yes | Yes | 0.067 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.26 | 33.95 | 34.26 | 33.95 | 33.95 | 34.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Business Tax Return - 12 months;<br> Paystub - 2 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033489 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7519 | Yes | Yes | 0.144 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.16 | 43.09 | 42.16 | 41.45 | 41.45 | 43.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033500 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2392 | Yes | Yes | 1.151 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.97 | 36.89 | 38.97 | 36.89 | 36.89 | 38.97 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033509 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3387 | Yes | Yes | 0.119 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.33 | 19.38 | 33.33 | 18.42 | 18.42 | 19.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033520 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2597 | Yes | Yes | 0.124 | 0.124 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.23 | 40.44 | 41.23 | 39.37 | 39.37 | 40.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033768 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3909 | Yes | Yes | 0.171 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.38 | 38.14 | 38.38 | 35.21 | 35.21 | 38.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033779 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4100 | Yes | Yes | 0.149 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.59 | 42.3 | 42.59 | 40.96 | 40.96 | 42.3 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033817 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5540 | Yes | Yes | 1.558 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.18 | 31.2 | 29.18 | 27.4 | 27.4 | 31.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033818 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8162 | Yes | Yes | 1.779 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 17.76 | 18.75 | 17.76 | 17.75 | 17.75 | 18.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033819 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5472 | Yes | Yes | 0.063 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.56 | 36.89 | 39.56 | 34.44 | 34.44 | 36.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 27 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> P & L - 3 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033820 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8556 | Yes | Yes | 0.31 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.12 | 29.15 | 29.12 | 28.13 | 28.13 | 29.15 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033821 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Second Home | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6784 | Yes | Yes | 0.194 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.66 | 41.42 | 41.66 | 41.42 | 41.42 | 43.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033822 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8234 | Yes | Yes | 0.155 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.61 | 41.2 | 40.61 | 40.62 | 40.62 | 41.2 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 5 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033823 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6256 | Yes | Yes | 0.215 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.24 | 37.53 | 35.24 | 35.24 | 35.24 | 37.53 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033824 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6965 | Yes | Yes | 0.241 | Missing | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.91 | 40.52 | 39.91 | 38.58 | 38.58 | 40.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 20 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033825 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7001 | Yes | Yes | 0.244 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.82 | 40.59 | 38.82 | 38.82 | 38.82 | 40.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months;<br> Written VOE - 20 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033826 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8750 | Yes | Yes | 2.354 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.09 | 39.89 | 39.09 | 39.36 | 39.36 | 39.89 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 0 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 0 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033827 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5142 | Yes | Yes | 0.308 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.79 | 39.09 | 35.79 | 35.78 | 35.78 | 39.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033828 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | High Rise Condo (9+) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7914 | Yes | Yes | 0.659 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.44 | 43.95 | 42.44 | 42.01 | 42.01 | 43.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033829 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7921 | Yes | Yes | 0.269 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.21 | 38.25 | 37.21 | 37.21 | 37.21 | 38.25 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 16 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409033831 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6605 | Yes | Yes | 0.433 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.67 | 31.69 | 28.67 | 28.18 | 28.18 | 31.69 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 6 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033832 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7629 | Yes | Yes | 0.246 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.71 | 35.24 | 33.71 | 33.71 | 33.71 | 33.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 28 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033834 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8323 | Yes | Yes | 0.24 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.08 | 35.8 | 35.08 | 35.08 | 35.08 | 35.8 | No | No | (No Data) | XXXXX | Yes | 360 | Yes | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Personal Bank Statements - 3 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033835 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7502 | Yes | Yes | 0.308 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.72 | 44.6 | 42.72 | 42.72 | 42.72 | 44.6 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033836 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5665 | Yes | Yes | 0.271 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.16 | 29.83 | 27.16 | 27.1 | 27.1 | 29.83 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033837 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8895 | Yes | Yes | 1.858 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.01 | 33.87 | 33.01 | 30.67 | 30.67 | 33.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 30 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033839 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7941 | Yes | Yes | 1.377 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.28 | 40.9 | 41.28 | 37.38 | 37.38 | 41.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 28 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033840 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8349 | Yes | Yes | 1.226 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.71 | 34.36 | 31.71 | 31.71 | 31.71 | 34.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Other | Other | (No Data) | (No Data) |
| 409033841 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8298 | Yes | Yes | 1.247 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.64 | 40.46 | 40.64 | 35.84 | 35.84 | 40.46 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033842 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6985 | Yes | Yes | 0.457 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 28.06 | 28.36 | 28.06 | 25.62 | 25.62 | 28.36 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Employment Authorization Document | (No Data) | (No Data) |
| 409033843 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8375 | Yes | Yes | 1.332 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.81 | 34.83 | 34.81 | 30.23 | 30.23 | 30.23 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409033844 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8375 | Yes | Yes | 2.09 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.88 | 29.93 | 27.87 | 27.87 | 27.87 | 27.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033845 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8575 | Yes | Yes | 1.574 | 1.574 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.19 | 36.7 | 38.19 | 33.07 | 33.07 | 36.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033846 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8145 | Yes | Yes | 1.629 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.58 | 37.94 | 35.58 | 35.57 | 35.57 | 35.57 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 5 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033847 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7576 | Yes | Yes | 0.545 | 0.680 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.74 | 46.44 | 41.74 | 41.46 | 41.46 | 46.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033848 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7705 | Yes | Yes | 0.711 | 1.434 | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 36 | 39.55 | 36 | 36.17 | 36.17 | 39.55 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409033850 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8859 | Yes | Yes | 2.318 | 2.318 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.89 | 44.7 | 39.89 | 39.88 | 39.88 | 44.7 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 28 months | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | FMNA 1005 | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033851 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7837 | Yes | Yes | 1.216 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.99 | 48.49 | 42.99 | 42.99 | 42.99 | 48.49 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Offer Letter - 12 months;<br> Paystub - 1 months;<br> Written VOE - 27 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033852 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7887 | Yes | Yes | 1.448 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.87 | 36.16 | 35.87 | 34.8 | 34.8 | 36.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> Written VOE - 24 months | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033853 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7230 | Yes | Yes | 0.483 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.3 | 25.78 | 24.3 | 23.57 | 23.57 | 25.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033854 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8870 | Yes | No | 2.313 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 80 | 46.44 | 80 | 41.1 | 41.1 | 46.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 409033855 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6515 | Yes | Yes | 0.326 | 0.326 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.53 | 41.48 | 40.53 | 39.29 | 39.29 | 41.48 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033856 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7272 | Yes | Yes | 0.277 | 0.277 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.6 | 39.91 | 37.6 | 38.04 | 38.04 | 39.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 24 months;<br> Written VOE - 29 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409033857 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7315 | Yes | Yes | 0.273 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.6 | 44.17 | 41.6 | 41.98 | 41.98 | 41.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Award Letter - 1 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033858 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6861 | Yes | Yes | 0.208 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 31.27 | 30.74 | 31.27 | 29.18 | 29.18 | 30.74 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033861 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2072 | Yes | Yes | 0.143 | 0.143 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.4 | 43.98 | 42.4 | 42.4 | 42.4 | 43.98 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 1 months | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 35 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409033915 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3362 | Yes | Yes | 0.683 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.53 | 27.79 | 29.53 | 27.34 | 27.34 | 27.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034006 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1858 | Yes | Yes | 0.059 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.4 | 30.5 | 30.4 | 29.36 | 29.36 | 30.5 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034047 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0007 | Yes | Yes | 0.073 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.22 | 32.73 | 33.22 | 30.36 | 30.36 | 32.73 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Tax Return - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034050 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4288 | Yes | Yes | 1.275 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.89 | 42.56 | 42.89 | 40.43 | 40.43 | 42.56 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034082 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2251 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.55 | 40.43 | 40.55 | 39.2 | 39.2 | 40.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | 1099 - 12 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034090 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2129 | Yes | Yes | 0.74 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.72 | 42.51 | 42.72 | 40.05 | 40.05 | 42.51 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034099 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0889 | Yes | Yes | 0.11 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.86 | 27.57 | 27.86 | 26.28 | 26.28 | 27.87 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034102 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1301 | Yes | Yes | 0.151 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 33.7 | 33.28 | 33.7 | 31.49 | 31.49 | 33.28 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034104 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1419 | Yes | Yes | 0.226 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.6 | 30.38 | 30.6 | 29.06 | 29.06 | 30.38 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034107 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2052 | Yes | Yes | 0.986 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.44 | 27.09 | 27.44 | 25.49 | 25.49 | 27.09 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034108 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0636 | Yes | Yes | 0.067 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 10.38 | 10.24 | 10.38 | 9.6 | 9.6 | 10.24 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034109 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4483 | Yes | Yes | 0.182 | 1.064 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.8 | 42.17 | 42.8 | 41.23 | 41.23 | 42.17 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034114 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1351 | Yes | Yes | 0.179 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.49 | 41.77 | 42.49 | 39.64 | 39.64 | 41.77 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 36 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034122 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1688 | Yes | Yes | 0.185 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.92 | 39.03 | 40.92 | 38.16 | 38.16 | 39.03 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034139 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2037 | Yes | Yes | 0.11 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.87 | 34.82 | 34.87 | 33.76 | 33.76 | 34.82 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 2 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034142 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.8608 | Yes | Yes | 0.127 | 0.127 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14 | 13.91 | 14 | 12.98 | 12.98 | 13.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034145 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2816 | Yes | Yes | 0.142 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.44 | 40.44 | 40.44 | 38.61 | 38.61 | 40.44 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034160 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2343 | Yes | Yes | 0.767 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 27.02 | 26.47 | 27.02 | 28.46 | 24.58 | 28.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409034186 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2595 | Yes | Yes | 0.124 | 0.124 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.25 | 23.99 | 23.25 | 23.25 | 23.25 | 23.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034192 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1116 | Yes | Yes | 1.97 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.97 | 43.81 | 40.97 | 40.98 | 40.98 | 43.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034243 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1274 | Yes | Yes | 0.075 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.52 | 39.71 | 40.52 | 37.69 | 37.69 | 39.71 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034262 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4123 | Yes | Yes | 1.021 | 1.021 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 37.88 | 37.4 | 37.88 | 36.48 | 36.48 | 37.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034295 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2088 | Yes | Yes | 0.09 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.19 | 42.95 | 40.19 | 40.34 | 40.34 | 42.95 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Lease Agreement - 12 months;<br> Paystub - 35 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409034316 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0884 | Yes | Yes | 0.096 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.08 | 35.08 | 35.08 | 32.42 | 32.42 | 35.08 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | W2 - 12 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034335 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 5.9861 | Yes | Yes | 0.077 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 24.68 | 27.31 | 24.68 | 24.74 | 24.74 | 27.31 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034337 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4812 | Yes | Yes | 0.395 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.73 | 42.58 | 42.73 | 41.98 | 41.98 | 42.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034344 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2636 | Yes | Yes | 1.234 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.86 | 42.87 | 42.86 | 41.92 | 41.92 | 42.87 | No | No | (No Data) | XXXXX | Yes | 360 | No | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409034347 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4289 | Yes | Yes | 0.076 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.81 | 33.22 | 32.81 | 31.68 | 31.68 | 33.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | Other | (No Data) | (No Data) |
| 409034985 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1382 | Yes | Yes | 0.189 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.88 | 36.76 | 38.88 | 34.71 | 34.71 | 36.76 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035034 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3025 | Yes | Yes | 0.175 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.93 | 34.61 | 35.93 | 33.24 | 33.24 | 34.61 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035353 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0832 | Yes | Yes | 0.12 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 35.96 | 36.14 | 35.96 | 34.77 | 34.77 | 36.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 1 months;<br> Offer Letter - 12 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035381 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1888 | Yes | Yes | 0.068 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32 | 32.07 | 32 | 31.35 | 31.35 | 32.07 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 12 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035396 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3299 | Yes | Yes | 0.154 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.06 | 37.39 | 38 | 36.49 | 36.49 | 37.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035414 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1272 | Yes | Yes | 0.771 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.75 | 44.64 | 42.75 | 42.75 | 42.75 | 44.64 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409035549 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3336 | Yes | Yes | 0.085 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.03 | 33.01 | 38.03 | 32.13 | 32.13 | 33.01 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 24 months | 1099 - 24 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036698 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5571 | Yes | Yes | 1.647 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 34.42 | 32.81 | 34.42 | 26.8 | 26.8 | 32.81 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> CPA Letter - 12 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036977 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.0270 | Yes | No | 0.344 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.55 | 44.32 | 44.55 | 40.91 | 40.91 | 44.32 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Lease Agreement - 17 months;<br> Paystub - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409036986 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2831 | Yes | Yes | 0.405 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.63 | 38.07 | 40.63 | 40 | 37.07 | 40.39 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037010 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0281 | Yes | Yes | 0.312 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.8 | 42.38 | 42.8 | 40.82 | 40.82 | 42.38 | No | Yes | Yes | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 36 months;<br> W2 - 24 months;<br> Written VOE - 36 months | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 13 months;<br> W2 - 24 months;<br> Written VOE - 36 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037286 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1640 | Yes | Yes | 0.157 | 0.155 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.64 | 29.79 | 29.64 | 28.75 | 28.75 | 29.79 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Work Visa | (No Data) | (No Data) | (No Data) |
| 409037610 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2510 | Yes | Yes | 0.158 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.58 | 40.35 | 39.58 | 36.38 | 36.38 | 40.35 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 32 months;<br> W2 - 24 months;<br> Written VOE - 33 months | IRS Transcripts – Tax Return(s) - 36 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 32 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037617 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1992 | Yes | Yes | 0.204 | 0.204 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.92 | 42.66 | 42.92 | 40.57 | 40.57 | 42.66 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 35 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037654 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1977 | Yes | Yes | 0.157 | 0.157 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42.42 | 27.93 | 42.42 | 27.93 | 27.93 | 28.78 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> P & L - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 12 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037668 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7080 | Yes | Yes | 0.185 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.38 | 39.22 | 40.38 | 38.4 | 38.4 | 39.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 47 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037681 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0784 | Yes | Yes | 0.186 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.69 | 40.75 | 40.69 | 39.62 | 39.62 | 40.75 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037749 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.0045 | Yes | Yes | 0.147 | 0.272 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.54 | 31.52 | 29.54 | 33.09 | 29.54 | 31.52 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037785 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1952 | Yes | Yes | 0.193 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.66 | 32.45 | 32.66 | 30.2 | 30.2 | 32.45 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037951 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1954 | Yes | Yes | 0.107 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 4.89 | 5.21 | 4.89 | 4.97 | 4.97 | 5.21 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> IRS Transcripts – W2(s) - 24 months;<br> P & L - 11 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Borrower | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409037972 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2529 | Yes | Yes | 0.137 | Not Applicable | No | Yes | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 42 | 44.62 | 42 | 42.23 | 42.23 | 44.62 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038039 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3922 | Yes | Yes | 0.148 | 0.148 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 22.72 | 23.59 | 22.72 | 21.86 | 21.86 | 23.59 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 3 months;<br> W2 - 24 months;<br> Written VOE - 33 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038067 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2569 | Yes | Yes | 0.105 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.73 | 24.14 | 23.73 | 23.38 | 23.38 | 24.14 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Personal Tax Return - 12 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038069 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | Permanent Resident Alien | U.S. Citizen | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.2092 | Yes | Yes | 0.304 | 0.000 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 26.92 | 28.22 | 26.92 | 26.92 | 26.92 | 28.22 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 11 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | FMNA 1005 | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 409038073 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3296 | Yes | Yes | 0.209 | 0.203 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 29.36 | 28.84 | 29.36 | 28.57 | 28.57 | 28.84 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038324 | XXXXX | XXXXX | XXXXX | QM: Rebuttable Presumption (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6854 | Yes | Yes | 0.123 | 0.000 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 11.6 | 15.16 | 11.6 | 16.61 | 15.06 | 15.16 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Business Tax Return - 12 months;<br> IRS Transcripts – W2(s) - 24 months;<br> Personal Tax Return - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038384 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Low Rise Condo (1-4) | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6243 | Yes | Yes | 0.08 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.54 | 41.85 | 39.54 | 40.1 | 40.1 | 40.1 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 26 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038385 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6831 | Yes | Yes | 0.099 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 21.34 | 22.21 | 21.34 | 21.58 | 21.58 | 21.58 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 13 months;<br> W2 - 24 months;<br> Written VOE - 25 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038386 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7486 | Yes | Yes | 0.109 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 38.05 | 40.13 | 38.05 | 38.05 | 38.05 | 38.05 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Written VOE - 27 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038387 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | (No Data) | (No Data) | Primary | Detached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4805 | No | No | 0 | Not Applicable | No | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.91 | 50.52 | 44.91 | 44.91 | 44.91 | 44.91 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Award Letter - 12 months;<br> Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 31 months | (No Data) | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038388 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0709 | No | No | 0.219 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 44.41 | 44.86 | 44.41 | 44.4 | 44.4 | 44.4 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 6 months;<br> W2 - 24 months | Award Letter - 12 months;<br> CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 6 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409038597 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.4499 | Yes | Yes | 0.109 | 0.109 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 41.62 | 42.43 | 41.62 | 42.02 | 42.02 | 42.43 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | CPA Letter - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> Written VOE - 1 months | (No Data) | (No Data) | (No Data) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039296 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.1452 | Yes | Yes | 0.225 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.45 | 38.65 | 39.45 | 37.59 | 37.59 | 38.65 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 35 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 28 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | FMNA 1005 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 409039483 | XXXXX | XXXXX | XXXXX | QM: Safe Harbor (APOR) | No | U.S. Citizen | U.S. Citizen | (No Data) | Primary | SFR | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3215 | Yes | Yes | 0.11 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 40.99 | 40.99 | 40.99 | 38.47 | 38.47 | 40.99 | No | No | (No Data) | XXXXX | No | 0 | (No Data) | No | XXXXX | (No Data) | XXXXX | (No Data) | Client Complete | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 5 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | Independent Third Party (The Work Number, Equifax etc) | Independent Third Party (The Work Number, Equifax etc) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

---

<br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited.<br>

## Exhibit 99.5

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** <br>| **SEMT 2026-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 260 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans In Report:* | *260* |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 409022016 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022020 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022021 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409022029 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022040 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409022041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022053 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409022288 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409023727 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024237 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409024436 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409024602 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025430 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025472 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409025997 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026012 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026066 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026125 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026162 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409026178 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026188 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026193 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026202 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026260 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026332 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026337 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026356 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026906 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409026997 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027029 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409027058 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |
| 409028839 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409028841 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409028957 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029084 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029142 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029166 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029234 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409029266 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030231 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030548 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409030636 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030649 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409030999 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031001 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031002 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031003 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031004 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1075 Exterior-Only Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031005 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031006 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031007 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031009 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031010 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031011 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031012 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031013 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031014 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031015 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031016 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031017 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031018 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031019 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031020 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031041 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031058 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031159 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031178 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031222 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031288 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031448 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031466 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031491 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031621 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031659 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031708 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031725 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031726 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031727 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031729 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031730 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031731 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031732 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031734 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031735 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031737 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031740 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031741 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031742 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031743 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031744 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031745 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031746 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031748 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031750 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031751 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031752 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031753 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031755 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031756 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031757 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031759 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031760 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031761 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031762 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031763 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031764 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031765 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031766 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031767 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031768 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031769 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031770 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031771 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031772 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031773 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031774 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031777 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409031779 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031792 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031803 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409031835 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032147 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032168 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032545 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032548 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032588 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032599 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032619 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032827 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032911 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409032936 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032947 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409032987 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033256 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033267 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033271 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033274 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033278 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033290 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033304 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033305 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033307 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033308 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033309 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033328 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033343 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033358 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033372 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033401 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033436 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033446 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033451 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033459 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033489 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033500 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033509 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033520 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033768 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033779 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033817 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033818 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033819 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033820 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033821 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033822 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033823 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033824 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033825 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033826 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033827 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033828 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033829 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033831 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033832 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033834 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033835 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033836 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033837 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033839 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033840 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033841 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033842 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033843 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033844 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033845 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033846 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033847 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033848 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033850 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033851 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033852 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033853 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033854 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033855 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033856 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033857 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409033858 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033861 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409033915 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034006 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034047 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034050 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034082 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034090 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034099 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034102 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034104 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034107 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034108 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034109 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034114 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034122 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034139 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034142 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034145 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034160 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034186 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034192 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034243 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034262 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034295 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034316 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034335 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034337 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034344 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409034347 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409034985 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035034 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035353 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409035381 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035396 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035414 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409035549 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036698 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036977 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409036986 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037010 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037286 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037610 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037617 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% | Not Applicable |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037654 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037668 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037681 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |
| 409037749 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037785 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037951 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409037972 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038039 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038067 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038069 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038073 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038324 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038384 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038385 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038386 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038387 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038388 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409038597 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039296 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | XXXXX |
| 409039483 | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | XXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% |  |  |  | XXXXX | XXXXX | XXXXX | XXXXX |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | (No Data) |

---

*The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com*<br>

## Exhibit 99.6

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** |  | **Redwood Trust** | **Redwood Trust** |  |
| **Client Project Name:** | **Client Project Name:** | **SEMT 2026-HYB1** | **SEMT 2026-HYB1** |  |
| **Deal Loan Count:** |  | **260** |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |
| ***Loans in Report:*** |  | *260* |  |  |
| ***Loans with Conditions:*** | ***Loans with Conditions:*** | *196* |  |  |
| **1 - Total Active Conditions** | **1 - Total Active Conditions** | **1 - Total Active Conditions** |  |  |
|  | **1 - Non-Material Conditions** | **1 - Non-Material Conditions** | **1 - Non-Material Conditions** |  |
|  |  |  | 1 - Credit Review Scope | 1 - Credit Review Scope |
|  |  |  |  | 1 - Category: DTI |
| **313 - Total Satisfied Conditions** | **313 - Total Satisfied Conditions** |  |  |  |
|  |  |  | 71 - Credit Review Scope | 71 - Credit Review Scope |
|  |  |  |  | 2 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  |  | 1 - Category: Application |
|  |  |  |  | 6 - Category: Assets |
|  |  |  |  | 8 - Category: Credit/Mtg History |
|  |  |  |  | 10 - Category: DTI |
|  |  |  |  | 18 - Category: Income/Employment |
|  |  |  |  | 8 - Category: Insurance |
|  |  |  |  | 6 - Category: Legal Documents |
|  |  |  |  | 11 - Category: Terms/Guidelines |
|  |  |  |  | 1 - Category: Title |
|  |  |  | 48 - Property Valuations Review Scope | 48 - Property Valuations Review Scope |
|  |  |  |  | 33 - Category: Appraisal |
|  |  |  |  | 10 - Category: FEMA |
|  |  |  |  | 2 - Category: Property |
|  |  |  |  | 3 - Category: Value |
|  |  |  | 194 - Compliance Review Scope | 194 - Compliance Review Scope |
|  |  |  |  | 11 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  |  | 12 - Category: Compliance Manual |
|  |  |  |  | 9 - Category: Documentation |
|  |  |  |  | 19 - Category: Federal Consumer Protection |
|  |  |  |  | 4 - Category: Finance Charge Tolerance |
|  |  |  |  | 10 - Category: RESPA |
|  |  |  |  | 1 - Category: Right of Rescission |
|  |  |  |  | 1 - Category: State Consumer Protection |
|  |  |  |  | 2 - Category: Texas Home Equity |
|  |  |  |  | 125 - Category: TILA/RESPA Integrated Disclosure |
| **90 - Total Waived Conditions** | **90 - Total Waived Conditions** |  |  |  |
|  |  |  | 54 - Credit Review Scope | 54 - Credit Review Scope |
|  |  |  |  | 7 - Category: Assets |
|  |  |  |  | 9 - Category: Credit/Mtg History |
|  |  |  |  | 4 - Category: DTI |
|  |  |  |  | 9 - Category: Income/Employment |
|  |  |  |  | 4 - Category: Insurance |
|  |  |  |  | 1 - Category: Legal Documents |
|  |  |  |  | 2 - Category: LTV/CLTV |
|  |  |  |  | 18 - Category: Terms/Guidelines |
|  |  |  | 16 - Property Valuations Review Scope | 16 - Property Valuations Review Scope |
|  |  |  |  | 9 - Category: Appraisal |
|  |  |  |  | 5 - Category: FEMA |
|  |  |  |  | 2 - Category: Property |
|  |  |  | 20 - Compliance Review Scope | 20 - Compliance Review Scope |
|  |  |  |  | 1 - Category: Ability to Repay/Qualified Mortgage |
|  |  |  |  | 1 - Category: Documentation |
|  |  |  |  | 8 - Category: Federal Consumer Protection |
|  |  |  |  | 10 - Category: Right of Rescission |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

------

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-HYB1** <br>|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **260** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *260* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** <br>| *196* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 409022016 | XXXXXX | OR | ATR/QM: Not Applicable | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Missing lender's ATR/QM status determination. | 9/29 Client accepted DD determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REOs $XXX \* XXX = $XXX reserves required.<br>|
| 409022016 | XXXXXX | OR | ATR/QM: Not Applicable | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | 1. Missing most recent unfiled personal tax return on extension to validate B2's Sched C income. 2. Missing B2 signed/dated personal tax returns or tax transcripts in lieu of B2 signature; tax returns provided were not signed by borrower. 3. Missing lender's Fannie Mae Form 1084, Freddie Mac Form 91 or equivalent for B2, required for self-employment income analysis. | 9/29 Client asked for clarification; Upon review Of item #1 2022 taxes on extension, Provide 2022 YTD and 2023 YTD through 3/31 P&L for schedule C income2. Missing B2 signed/dated personal tax returns or tax transcripts in lieu of B2 signature; tax returns provided were not signed by borrower. 3. Missing lender's Fannie Mae Form 1084, Freddie Mac Form 91 or equivalent for B2, required for XXX income analysis.10.5.2025 Client provided Lender rebuttal stating: Sellers rebuttal: Document Uploaded. 1. The application date was XXX (prior to the filing of the 2022 tax returns.) Loan was resubmitted on XXX (after the tax deadline of XXX.). We do have copies of the extensions for 2022 in the file. Per our All-In-One product guidelines, a P&L is optional, and one was not required or provided. The schedule C income for B2 is on an upward trend ($XXX in 2021 versus $XXX in 2020). 2. Agree with finding - 1040s were not sent to closing to be signed. 3. We could not locate the complete XXX workbook in the file, but the income from B2's schedule C is very easy to calculate: 2021 schedule C Line 31 (net profit) $XXX minus line 24b (meals) = $XXX. 2020 schedule C Line 31 (net profit) $XXX (no other additions or subtractions). $XXX plus $XXX = $XXX / XXX = $XXX/mo (this is the income that was used to qualify). Condition remains 10.5.2025 Client provided exception approval for B2 Schedule C (a). missing Lender income calculation for B2 Schedule C income however provided manual XXX months calculation of the monthly income used for B2 Schedule C and exception (b). provided for missing signature (signed dated) 2021/2020 1040 tax returns for B2 (Schedule C) and exception (c). provided for file having copy of 2022 1040 extension however missing end of year 2022 Profit/Loss and YTD 2023 P/L through March 2023 for B2 Schedule C. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX and verified reserves of XXX months and XXX Borrowers on file with two borrowers having over XXX years in profession | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REOs $XXX \* XXX = $XXX reserves required.<br>|
| 409022016 | XXXXXX | OR | ATR/QM: Not Applicable | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | 1004D reflects Not Complete citing "some decking and railing, some light fixtures, the storage shed and touch-up paint. Materials were noted on site and the builder anticipates work to be complete by end of day. The incomplete items would likely not detract from market value due to the short timeline for completion." Review notes photos show materials on site, unfinished decking, lack of completed railing on deck and stairs from deck to ground not complete posing potential safety and functionality issues. Certificate of Occupancy with final inspection on XXX provided with statement of 'approved for occupancy', however no photos provided showing work complete. | 10.5.2025 Client provided exception approval for subject appraisal was completed subject to completion and a copy of 1004D provided in file reflecting items yet to be completed include some decking and railing, some light fixtures, the storage shed and touch-up paint with file having a Certificate of Occupancy | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: Fico score XXX and verified reserves of XXX months and XXX Borrowers on file with two borrowers having over XXX years in profession | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REOs $XXX \* XXX = $XXX reserves required.<br>|
| 409022016 | XXXXXX | OR | ATR/QM: Not Applicable | QM: Safe Harbor (APOR) | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR3116 | Missing updated valuation | No | Missing Collateral Desktop Analysis (CDA) ordered from XXX, or a Consolidated Collateral Analysis (CCA) ordered from XXX is required to support the $XXX appraisal value due to CU Score 5. | 10/1 Client provided an approved exception to allow the file with an AVM spreadsheet from XXX supporting the appraised value | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Low LTV, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REOs $XXX \* XXX = $XXX reserves required.<br>|
| 409022020 | XXXXXX | WA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support appraisal value of $XXX. CU score is 3. | 10/1 Client provided a XXX spreadsheet supporting the apprised value and an approved exception to allow the file with the AVM spreadsheet in lieu of full AVM | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years, XXX months at current job.<br>|
| 409022021 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CMPATRQM2900 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Clayton's status determination places loan in a riskier status than the Lender's status determination. | No | Clayton determination is NON QM per NOTE Loan term is XXX months exceeding XXX. XXX in file reflects SH | 10/2 Client asked for a review, on review the file is Construction to perm with rollover clause to perm XXX | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI Actual / XXX max DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX<br>|
| 409022021 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide a CDA to support the appraised value | 10/03/2025 client uploaded CDA which supported value. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI Actual / XXX max DTI XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves (Qual Rate)XXXCash Reserves$XXX<br>|
| 409022029 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing proof of subject tax expense to support $XXX per month used to qualify. | 10/9 Client provided an approved exception to allow the file using Lender Gls of XXX% of the appraised value for tax calculation | Satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low use of consumer credit, credit line usage XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX years XXX months in same line of work. B2 has XXX years in same line of work.<br>|
| 409022029 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | TILA - Required ARM Loan Program Disclosure missing | 10/06/25 Client provided an approved exception for the missing ARM Loan Program Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low use of consumer credit, credit line usage XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX years XXX months in same line of work. B2 has XXX years in same line of work.<br>|
| 409022029 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Loan short reserves $XXX. Borrowers have $XXX in reserves. Required reserves are XXX month's x $XXX = $XXX and XXX months for investment x $XXX - $XXX and XXX months for additional investment x $XXX = $XXX. Total required reserves are $XXX. Required reserves not met. Loan file is documented with business assets XXX Bank XXX . LLC reflected on statement is not documented as owned by the borrowers. Additional business account with XXX XXX is not an eligible business account as guidelines require borrow to have XXX% or greater ownership. B1 has XXX% ownership. | 10.6.2025 Client provided exception approval for short reserves $XXX | Upon further review by Senior Underwriter, exception is deemed non-material. Exception is approved B Grade with compensating factors: Borrower at current residence XXX years and B2 same profession XXX years with fico score XXX | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low use of consumer credit, credit line usage XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX years XXX months in same line of work. B2 has XXX years in same line of work.<br>|
| 409022029 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing third consecutive bank statement for XXX Bank XXX . Three months business bank statements in file however only statements with end dates XXX and XXX located in file. Additionally, cash flow analysis to determine no negative impact to business and proof of XXX% or greater ownership of the company required. If borrower is not XXX% owner of business the other owners of the business must provide an access letter to the business funds. Any large deposits must be explained and documented. | 10.6.2025 Client provided exception approval for (a) missing 3rd consecutive bank statement for XXX Bank #XXX along with (b) missing business asset cash flow analysis to determine no negative impact to business and with having XXX% ownership (c) missing the other owners access letter to the use of business funds. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception is approved B Grade with compensating factors: Borrower at current residence XXX years and B2 same profession XXX years with fico score XXX | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low use of consumer credit, credit line usage XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX years XXX months in same line of work. B2 has XXX years in same line of work.<br>|
| 409022029 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | Credit | Credit/Mtg History | Waived | C | B | C | B | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Missing proof of subject tax expense to support $XXX per month used to qualify. | 10/9 Client provided an approved exception to allow the file using Lender Gls of XXX% of the appraised value for tax calculation | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers have low use of consumer credit, credit line usage XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has XXX years XXX months in same line of work. B2 has XXX years in same line of work.<br>|
| 409022040 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing XXX | 10.5.2025 Client provided Lender XXX w/QM Safe Harbor status | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>|
| 409022040 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing FNMA 1007, or Lease to support Gross Rental income of $ XXX / Month as reflected on HUD for REO XXX | 10.5.2025 Client provided Lender guidelines however per Sequoia guidelines, Follow FNMA guidelines requirements. Initial condition remains 10/7 Client provided an approved exception to allow the file using Lender GLs allowing for XXX rent search to offset PITI | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>|
| 409022040 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 10.5.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>|
| 409022041 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Ability to Repay/Qualified Mortgage | Satisfied | C | A | C | A | CRDATRQM3124 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; Lender did not provide an ATR/QM status determination. | No | Missing XXX or provide lender's QM status | 10/2 client accepts determination of SH APOR | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409022053 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has XXX years significant time at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence for XXX years.<br>|
| 409022288 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 11/21/25 Client provided the HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX for unlimited cashout<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX % LTV is below guidelines maximum of XXX% for unlimited cash-out.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>|
| 409022288 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID5806 | TRID - At least 1 CD prior to the last CD at or prior to closing was not provided to all with rescission rights. | No | Missing Initial CD XXX issued and acknowledged by non-borrowing titleholder a minimum of 3 days prior to closing date. If disclosure was emailed, a prior e-consent is also required. | 11/21/25 Client provided the XXX Initial CD hand signed by borrower and non-borrower on XXX. | Condition Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX for unlimited cashout<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX % LTV is below guidelines maximum of XXX% for unlimited cash-out.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>|
| 409023727 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 9/24/2025 Client provided an exception approval for using incorrect ROR form | 9/24/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI Qualifying Rate. xxx months required<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 on current and previous mortgages<br>|
| 409023727 | XXXXXX | TX | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | CU Score 3.8. Missing updated valuation. | 10/9 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI Qualifying Rate. xxx months required<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 on current and previous mortgages<br>|
| 409024237 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing revised LE sent XXX per documentation in the file. Completed LE required for further testing. Additional conditions may apply. | 12/02/25 Client provided the missing XXX Revised LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>|
| 409024237 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>|
| 409024237 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Unable to test a loan product due to missing initial CD | 12/02/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>|
| 409024237 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is the only CD in file. Missing initial CD acknowledged by borrower min 3 days prior to closing date. | 12/02/25 Client provided the missing XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>|
| 409024237 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Transfer taxes increased by $XXX on CD XXX without a valid change of circumstance. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/02/25 Client provided the missing XXX Revised LE and XXX Initial CD. Increase on XXX validated by COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>|
| 409024436 | XXXXXX | OK | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Documentation | Satisfied | C | A | C | A | CMPDOC3076 | Legal document was not executed or is incomplete | No | Appraisal Report indicates PUD vs. MTG does not. | 11/10/2025 Client provided the Letter of intent to re-record Mortgage with PUD Rider included. Condition remains. Provide a copy of the corrected Mortgage and PUD Rider for the file. 12/18/2025 Client provided the fully execute Mortgage with complete Riders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409024436 | XXXXXX | OK | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Enclosed ARM Disclosure e-signed on XXX - does not indicate its own issued date; lender's app date is XXX; ARM disclosure w/ issued/confirmed receipt date w/i 3 business days of the app date missing. | 11/10/2025 Client provided the list of documents provided on XXX including the Charm Booklet however does not show the ARM Disclosure itself. Condition remains. Provide the ARM Loan Program Disclosure provided to Borrower. 11/18/25 Client provided an approved exception for the missing ARM Loan Program Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409024436 | XXXXXX | OK | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409024602 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing complete 2024 and 2023 1120S Corp tax returns for XXX | 10.7.2025 Client provided full completed signed copy of 2024/2023 1120S for XXX. and depreciation can be added with receipt of all pages (appears 1st pages was not in file), updated DTI XXX%, this is B1 XXX% XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>|
| 409024602 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>|
| 409024602 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance of $XXX due to increase in Appraisal fee from $XXX to $XXX on LE XXX with no COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 10/10/25 Client provided a copy of the $XXX refund check. Condition remains. Provide the missing LOE to borrower, PCCD with cure and proof of delivery that includes tracking information.10/17/25 Client provided a copy of a new $XXX refund check. Condition remains. Provide the missing LOE to borrower, PCCD and proof of delivery that includes tracking information.10/21/25 Client provided a XXX PCCD, LOE, refund check and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>|
| 409024602 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITI for property purchased XXX XXX | 10.7.2025 Client provided copy of Mutual Release from purchase agreement with our borrower as Buyer however still missing verification of PITIA for this property. Condition remains 10/21 Client asked for a review On review the PITI is not required as the purchase was canceled per the mutual release | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>|
| 409024602 | XXXXXX | IN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Missing complete 2024 and 2023 1120S Corp tax returns for XXX | 10.7.2025 Client provided full completed signed copy of 2024/2023 1120S for XXX. and depreciation can be added with receipt of all pages (appears 1st pages was not in file), updated DTI XXX%, this is B1 XXX% XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are conservative credit users; minimal outstanding debt.<br>|
| 409025430 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX s - Field: PI Can go as high as, Value: XXX but Projected Payments indicates Highest Maximum Payment as $XXX. Condition is pending receiving corrected PCD with consistent Max. Highest payment and LOE to borrower. | 11/20/25 Client provided an XXX PCCD correcting the Projected Payments to match the Loan Terms section. Condition remains for the LOE to borrower.11/21/2025 Client provided the LOE to Borrower for changes. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409025472 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | A | A | D | B | C | B | D | B | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC3204 | Income Documentation Missing | No | Missing XXX Worksheet | 11/20/25 Client provided approved exception for missing XXX Worksheet | Upon further review by Senior UW exception is deemed non material. Final Grade B | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI (Qual Rate)<br>|
| 409025472 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | A | A | D | B | C | B | D | B | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Paying off 2nd mortgage. Paying off $XXX on CD. Credit report shows balance of $XXX. Provide copy of payoff confirming $XXX | 12/2 Client provided the payoff letter | Satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI (Qual Rate)<br>|
| 409025472 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | A | A | D | B | C | B | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA | 11.24.2025 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance however CDA have value of $XXX and appraisal have value of $XXX; condition remains for CDA to reflect appraisal value of $XXX; currently showing an appraisal value of $XXX and appraisal in file reflect value of $XXX12/2 Client provided an approved exception to allow the file without the corrected CDA | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI (Qual Rate)<br>|
| 409025997 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level B condition. | 11/25/25 Client provided an approved auto-exception for the incorrect ROR form type used. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REO.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409026012 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | B | A | B | B | B | B | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure. | 11/21/25 Client provided a signed LOE from Lender stating they have no affiliate businesses. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409026012 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | B | A | B | B | B | B | A | A | B | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX Per final CD disbursement date is XXX | (No Data) | Final Grade B. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX($ XXX X XXX = $ XXX)+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409026066 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3268 | Note in file is incomplete | No | Missing a copy of executed Addendum to Note in file. | 11/17/25 Client provided a duplicate copy of the Note. Condition remains. Per the Note, page 5, "See Inter Vivos Revocable Trust Addendum Attached Hereto". Provide a copy of the fully executed, Missing Inter Vivos Revocable Trust Addendum.11/19/25 Client provided the fully executed Trust Addendum. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 146 points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; PI FIFA $ XXX + XXX + XXX + XXX = $XXX . x XXX months = $XXX plus XXX months for REO $XXX =$XXX $XXXreserves required<br>|
| 409026066 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Early ARM Disclosure dated XXX in file was not provided to borrower within 3 days of application date of XXX | 11/19/25 Client provided the XXX Early ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 146 points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; PI FIFA $ XXX + XXX + XXX + XXX = $XXX . x XXX months = $XXX plus XXX months for REO $XXX =$XXX $XXXreserves required<br>|
| 409026066 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX is e-signed by non-borrowing spouse. Missing a prior e-consent. | 11/19/25 Client provided a copy of the Disclosure Tracking Summary and Detail pages. Condition remains. The Tracking Detail for the Initial XXX CD does not reflect the accepted e-consent for the non-borrower. Provide the missing e-consent for the non-borrowing spouse.12/02/25 Client provided a screenshot of the E-Consent section confirming the non-borrower's consent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 146 points above minimum program requirement of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; PI FIFA $ XXX + XXX + XXX + XXX = $XXX . x XXX months = $XXX plus XXX months for REO $XXX =$XXX $XXXreserves required<br>|
| 409026125 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR3116 | Missing updated valuation | No | Missing Updated valuation Missing Collateral Desktop Analysis (CDA) ordered from XXX or a Consolidated Collateral Analysis (CCA) from XXX as required by the guidelines to support appraisal value of $XXX due to CU score of 3.2 | 11.24.2025 Client provided duplicate (in file) appraisal dated XXX with value of $XXX however initial condition is for missing 3rd party CDA with CU Score of 3.2; Condition remains for 3rd party CDA supporting value. 11.26.2025 Client provided FHLMC LCA Risk Score of 1.0 however file was not reviewed AUS. Condition remains for 3rd party CDA valuation supporting value. 12/3 Client provided an approved exception to allow the file with an LCA score of 1.0 supporting the appraised value on this manual review | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above minimum program requirement of XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV/CLTV/HCLTV XXX% is below the guideline maximum of XXX%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX years in line of work<br>|
| 409026162 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | B | A | D | B | A | A | D | B | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 11/21/25 Client provided a signed LOE from Lender stating they do not have affiliated business relationships. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409026162 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | B | B | A | D | B | A | A | D | B | B | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing Second Appraisal required per guidelines. Missing second full appraisal required for refinance with a loan amount over $XXX. File contains an exception request form to used appraisal from prior transaction with a recent; this exception form is not signed by XXX and no decision is noted | 11/12 Client provided an approved exception to allow the file without the second appraisal | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; reserves exceed GLs, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409026178 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 409026188 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>|
| 409026193 | XXXXXX | KS | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Early ARM Loan Program Disclosure missing from loan package, please provide. | 12/02/2025 Client provided missing ARM Loan Program Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409026202 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | 12/02/25 Client provided an ARM Loan Program Disclosure dated XXX, however the loan was disclosed as an ARM on the first LE dated XXX. Provide the missing ARM Loan Program Disclosure dated within 3 days of Application. | 12/03/25 Client provided the Initial XXX ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026202 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure is missing from document package. | 12/02/25 Client provided an ARM Loan Program Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026202 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3640 | TRID - CD: Zero tolerance fee or fees increased at or prior to closing without a valid reason or the revised LE/CD was not timely disclosed; insufficient credit or refund provided | No | Zero tolerance in the amount of $XXX due to Credit Report fee increased on CD XXX without a COC in file. A lender tolerance cure in the amount of $XXX was disclosed; however, an additional $XXX is required. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/02/25 Client provided a copy of the Lender Tolerance Reconciliation worksheet showing the original Credit Report Fee (un-rounded) was $XXX. Cure of $XXX at Closing is sufficient. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026202 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Provide VVOE dated within 10 business days prior to Note date for both Borrowers. | 11.26.2025 Client provided VVOE for B1 dated 11.5.2025 however still missing VVOE for B2 dated within 10 business days of Note. 12.2.2025 Client provided VVOE for B1 (previously provided), condition remains for B2 VVOE within 10 business days of Note 12.4.2025 Client provided VVOE dated XXX for B2 | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026260 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC806 | Notary Status is missing | No | Mortgage Notary/Acknowledgment is Missing | 12/02/25 Client provided the fully executed Mortgage that includes the Notary Acknowledgment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1: > XXX years same line of workB2: > XXX years same line of work<br>|
| 409026260 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX due to Inspection Fee was added to LE XXX without a COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 12/02/25 Client provided a missing XXX COC. Condition remains. The COC indicates Appraisal came in "Subject to" and Final Inspection fee XXX added. The Appraisal in file is dated XXX and completed As-Is. In addition, there is a XXX Invoice and Delivery Email dated XXX for a CDA completed XXX. Lender to provide explanation for this discrepancy, and provide a valid change in circumstance for the CDA. Additional conditions may apply.01/08/26 Client provided a XXX PCCD with cure, LOE, $XXX refund check and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1: > XXX years same line of workB2: > XXX years same line of work<br>|
| 409026260 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Assets | Satisfied | C | A | C | A | CRDAST3036 | Assets reflect unsourced deposits | No | Provide documentation meeting guidelines, to source the following deposits, may be subject to additional conditions upon review.1. XXX, XXX in XXX XXX2. XXX, XXX in XXX XXX3. XXX, XXX in XXX XXX | 12.9.2025 Client provided asset documentation verifying $XXX and $XXX coming from #XXX (sold shares) however still missing documentation verifying source of deposit of $XXX on XXX in XXX #XXX account, other two deposits were in XXX #XXX and have been documented, the last remaining deposit of $XXX in XXX #XXX to be source/documented. 12/17 Client provided source of funds as trasnfer between XXX accounts | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1: > XXX years same line of workB2: > XXX years same line of work<br>|
| 409026332 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing. | XXX Client provided the missing ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026332 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations is not in file. | XXX Client provided the missing HC List. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026332 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | XXX Client provided the missing ABD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026332 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date is XXX and Initial LE in file is dated XXX. Provide LE issued at application. | XXX Client provided the missing Initial XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409026337 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX in verified assets is sufficient to cover required reserves XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 802 exceeds program minimum of XXX by 142 points.<br>|
| 409026356 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX , we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months PITI in reserves.<br>|
| 409026906 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409026906 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to added Field Review fee on CD XXX with no valid reasons documented on COC XXX. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/03/25 Client provided a duplicate copy of the XXX COC. Condition remains. The COC does not provide a valid change in circumstance reason for adding the Field Review Fee.12/18/25 Client provided a XXX PCCD with cure, LOE, $XXX refund check and tracking number (online tracking confirms shipment). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409026906 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Property Valuations | Appraisal | Satisfied | A | A | A | A | PRVAAPPR3116 | Missing updated valuation | No | The appraisal value $XXX on XXX is NOT supported by the UCDP with CU score of 2.9 and LCA of 3.5. Both excessive the acceptable score of 2.5 or LOWER. Provide CDA or equivalent third party valuation product. | 11/10/2025 client provided a Field Review which supported the OA value with a XXX% variance. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409026997 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Final CD XXX Projected Payment Information is not readable. Used information from PCD XXX for testing purposes. Provide readable copy of Closing Disclosure. | 11/18/25 Client provided a legible copy of the Final XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has has timely mortgage payments, XXX months reviewed.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had timely credit history with no derogatory credit, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Reviewed XXX months of mortgage payment history for current residence, no late or derogatory mortgage occurrences.<br>|
| 409026997 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has has timely mortgage payments, XXX months reviewed.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had timely credit history with no derogatory credit, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Reviewed XXX months of mortgage payment history for current residence, no late or derogatory mortgage occurrences.<br>|
| 409027029 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | As per Disclosure tracking summary and disclosure tracking details in file, a revised CD XXX was issued but is missing. | 11/11/25 Client provided the missing, revised XXX COC and CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>|
| 409027029 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is only CD in file. Product not disclosed at least three days prior to closing date of XXX | 11/11/25 Client provided a missing, revised XXX COC and CD. Condition remains. Per the Disclosure Tracking, an Initial CD with APR of XXX% was Sent to both borrowers via eDisclosure on XXX. Provide the missing XXX Initial CD for further testing.11/13/25 Client provided the missing Initial XXX CD with APR of XXX%. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>|
| 409027029 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is only CD in file. Provide initial CD acknowledged by borrowers at least three days prior to closing date of XXX | 11/11/25 Client provided a missing, revised XXX COC and CD. Condition remains. Per the Disclosure Tracking, an Initial CD with APR of XXX% was Sent to both borrowers via eDisclosure on XXX. Provide the missing XXX Initial CD for further testing.11/13/25 Client provided the missing Initial XXX CD with APR of XXX%. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>|
| 409027029 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 0x30 payment history for additional mortgage from XXX attached to REO at XXX reflecting as $XXX being paid off on Sale HUD dated XXX as required by XXX. | 11.10.2025 Client provided duplicate (in file) VOM for subject property however initial condition is pertaining to missing satisfactory VOM mortgage history for XXX mortgage of $XXX that was paid off on HUD-1 property: XXX (HUD-1 in file pg 234). Condition remains for satisfactory VOM history for XXX mortgage with balance paid off $XXX on HUD-1 w/XXX sold as of XXX11.17.2025 Client provided duplicate (in file) VOM and HUD-1 from sale of XXX along with copy of Promissory/Private Note on subject property dated XXX (in the amount of $XXX) and LOX from Lender stating borrower was interest in purchasing a new property (Subject property) and elected to obtain financing through a private company (XXX), they were approved for a loan in the amount of $XXX and at the time of approval, the borrowers did not have sufficient collateral available and therefore placed a lien on the property located at XXX, XXX (which is now sold) and the HUD-1 from this sale reflect a payment in the amount of $XXX made to XXX see attached VOM for subject and the Promissory Note for both properties,XXX is now sold and shows payment receipt of $XXX on HUD-1 this is all part of both properties (subject and XXX) however XXX is now sold as of XXX. Subject Promissory Note reflect the same with both properties listed. Condition remains to verify XXX owner names (this is the subject Private lien Holder, which is now being paid off and this appears to be sellers whom purchased XXX property, possibly), document file with whom subject Private Lender names are: XXX11.19.2025 Client provided LOX stating, Hello: Seller has provided further documents to satisfy this finding. Please note the Payoff information includes a partial release document that references the original mortgage recorded on XXX Book 72147 Page 111 which matches the Recorded Mortgage document showing the mortgage is one in the same as the $XXX mortgage. The $XXX mortgage payoff for XXX was not a separate mortgage with XXX. Its the same mortgage that was taken out in the original loan amount of $XXX and a VOM is already in file. Response, Client provided copy of payoff of $XXX for mortgage on XXX along with evidence of partial release of the $XXX that was tied to the XXX, initial amount was $XXX balance per VOM is now $XXX on subject payoff, evidence is verified the $XXX being released from the lien on XXX and XXX have since been now sold as of XXX; subject VOM reflect difference of VOM balance on subject where XXX will now be paid off at subject closing. Total amount was $XXXX secured by Subject ($XXX) and XXX ($XXX), where partial release of the $XXX on XXX have now been released and copy of HUD-1 from sale of XXX as of XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above minimum program requirement of XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX = $XXX reserves required.<br>|
| 409027058 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of source and required documents for B1's 'other' income of XXX reflected on final 1003. | XXX Client provided Lender LOX stating other income is from rental disregarded entities totaling $XXX and provided Lender Rental income worksheet for the twelve (12) properties listed on Schedule E REO of 2024 personal tax returns. In addition, file have all twelve (12) HOI and taxes for each property and verifies being in LLC name and are free and clear of liens, monthly other income being used for qualifying is supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>|
| 409027058 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | XXX Client provided an exception approval for using incorrect ROR form | XXX Initial & Final Grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>|
| 409027058 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Provide source and required documents for B1's 'other' income of XXX reflected on final 1003.Subject to full income recalc and may be subject to additional conditions upon review. | XXX Client provided Lender LOX stating other income is from rental disregarded entities totaling $XXX and provided Lender Rental income worksheet for the twelve (12) properties listed on Schedule E REO of XXX personal tax returns. In addition, file have all twelve (12) HOI and taxes for each property and verifies being in LLC name and are free and clear of liens, monthly other income being used for qualifying is supported with XXX 1040s and XXX 1040 Transcript | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>|
| 409027058 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide the following for B1 and B2 for 1120s:Income calculation worksheet income calculation. The Fannie Mae 1084, or Freddie Mac Form 91 or equivalent is required for XXX employment analysis. The most recent Form 1084 or Form 91 should be used based on application date. Instructions per Form 1084 or Form 91 must be followed. | XXX Client provided Lender Cash Flow Income Analysis for both borrowers 1120s income calculation, work for same XXX employment XXX% owner each | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: XXX + years at job<br>|
| 409028839 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409028841 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV is XXX below the maximum allowable LTV of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITI available in reserves; XXX months required.<br>|
| 409028957 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Disclosure in file is dated XXX. Loan converted from Fixed terms to ARM terms on LE XXX, missing ARM disclosure provided with LE XXX. | 01/26/26 Client provided the XXX ARM program disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CO borrower at current employment XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>|
| 409029084 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance violation in the amount of $XXX due to added Discount Points on CD XXX. COC dated XXX is present in the file; however, the corresponding disclosure is missing from the file. As a result, the condition remains pending until receipt of corresponding LE or PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking information. | 12/02/2025 Client provided COC XXX reflecting lock expiration resulting in Discount points added. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X 3 = $ XXX<br>|
| 409029142 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 409029142 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Missing e-consent in file for both borrowers. | 12/09/25 Client provided the E-Disclosures Invitation XXX that reflects both E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 409029142 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Missing e-consent in file for both borrowers | 12/09/25 Client provided the E-Disclosures Invitation XXX that reflects both E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>|
| 409029166 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | XXX Client provided an LOE from Lender stating they are not affiliated with anyone. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409029234 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $XXX, or XXX of PITIA available in reserves; XXX PITIA in reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 133 points above the minimum required score of XXX.<br>|
| 409029266 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Compliance | State Consumer Protection | Satisfied | D | A | D | A | CMPSTCP2057 | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | No | Illinois Pred Lend Database - No Cert of Compliance or Cert of Exemption in file | 12/22/2025 Client provided missing Illinois Anti Predatory Certificate of Compliance. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>|
| 409029266 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC150 | Income docs do not meet guidelines | No | Missing a copy of the XXX Exception. XXX granted the exception XXX to use $XXX/month base income, which is the borrower's salary prior to changing to K-1. Borrower went from a XXX to a XXX XXX. With this change borrower went from being paid wage to K-1. | 12.19.2025 Client provided exception approval for change in how current employment income being received, was previously receiving w2 income and now will be receiving k1 income. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV XXX% and verified reserves of $XXX with fico score of XXX | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>|
| 409030231 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Provide the Title Report that reflects borrower's name XXX. | 12.4.2025 Client provided Letter from Title Company verifying ALTA loan policy will be in the amount of $XXX and said insured will be in first position. The Borrowers in this transaction is/are XXX and XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guidelines maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $XXX exceed guideline requirement of Subject: $XXX x XXX + REO $XXX x XXX =$XXX required reserves.<br>|
| 409030548 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX.Guidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409030636 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>|
| 409030649 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Application date is XXX, ARM Disclosure in file is dated XXX. | 12/17/25 Client provided the XXX ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and XXX financed REOs<br>|
| 409030649 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3552 | TRID - Loan Estimate not timely | No | Application date is XXX, earliest LE in file is dated XXX. Missing initial LE disclosed to borrowers within XXX days of application. | 12/17/25 Client provided the Initial XXX LE. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and XXX financed REOs<br>|
| 409030649 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | 1. Qualifying back DTI: XXX%LP AUS back DTI: XXX%It appears the REOs PITIA was not included in LP DTI.2. LP AUS also references XXX income docs, however B1 is a Wage earner.3. Per findings: "Loan is a refinance on a primary residence and B1 and B2 have indicated they will occupy the property. Currentaddress does not match subject property address. Verify, update and resubmit the loan."\* Provide updated findings. May be subject to additional conditions upon review. | 12.19.2025 Client provided an updated LP submission #XXX with some changes however all changes don't appear to have been made, updated LP (FE10300) do not reflect B1 as a wage earner (still showing as being XXX) and LP (FPA0103) still reflect address as not matching. Condition remains for these two LP updated changes: (1). B1 to show as wage earner and (2). Both borrowers to reflect address as subject primary address. 12.26.2025 Client provided LP AUS submission #14 with showing subject address as Borrower primary address, however B1 employment still showing as XXX vs wage earner (per initial condition). Condition remains for updated LP reflecting B1 as wage earner or to document file as being XXX, if applicable. Currently income documents in file is not per XXX documents, documents in file are for wage earner. 1.5.2026 Client provided updated LP submission #15 with requested changes | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and XXX financed REOs<br>|
| 409030999 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Score XXX exceeds guideline minimum of XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months review at 0X30, exceeds guidelines of XXmonths<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX for over XXX years XXX month.<br>|
| 409031001 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing evidence to validate the lender's use of monthly updated balance student loan payments. XXX% DTI exceeds the XXX Overlay max of XXX% due to review using XXX% of the updated balances for payment on student loans reflecting no payment amount on the credit report, whereas the lender is using XXX%; total debts $XXX total debts (includes consumer debts of $XXX/mo.)/$XXX validated qualifying income. | 11.20.2025 Client provided exception approval to allow for XXX% monthly payment for student loans with no months payment (using updated credit supplement with slightly higher balances), Lender used the same calculation of XXX% for monthly payment. Client guidelines require XXX% to be used when credit report reflect zero payment and FHLMC allow for XXX% monthly payment, exception approval to allow for use of XXX% | Condition satisfied with updated DTI of XXX% using XXX% monthly payment for student loans. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX% per XXX overlay.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX + $XXX \* XXX = $XXX reserves required by XXX Program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX per XXX overlay.<br>|
| 409031001 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | DTI | Waived | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | XXX% DTI exceeds the XXX Overlay max of XXX% due to review using XXX% of the updated balances for payment on student loans reflecting no payment amount on the credit report, whereas the lender is using XXX%; total debts $XXX total debts (includes consumer debts of $XXX/mo.)/$XXX validated qualifying income. | 11.20.2025 Client provided exception approval to allow for XXX% monthly payment for XXX loans with no months payment (using updated credit supplement with slightly higher balances), Lender used the same calculation of XXX% for monthly payment. Client guidelines require XXX% to be used when credit report reflect zero payment and FHLMC allow for XXX% monthly payment, exception approval to allow for use of XXX% | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX% per XXX overlay.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX + $XXX \* XXX = $XXX reserves required by XXX Program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX per XXX overlay.<br>|
| 409031001 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date is XXX, same as disbursement date. | 11.19.25- Upon further review Sr Clayton UW determined that the Hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for Purchase review is non material due to the following compensating factors: verified cash reserves exceed guidelines, LTV below guidelines, credit score exceeds guidelines and DTI below guidelines,. | Final grade of B | Not Applicable | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX% per XXX overlay.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX + $XXX \* XXX = $XXX reserves required by XXX Program.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX per XXX overlay.<br>|
| 409031002 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 have been in the same line of work for XXX years<br>|
| 409031003 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower middle credit score is XXX, which is points 131 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The primary borrower has been employed at their current job for XXX years, which is significantly longer than the typical employment duration.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX divided by $XXX = XXX months of PITIA. Cash Reserves exceed XXX months of PITIA.<br>|
| 409031003 | XXXXXX | UT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | The loan file is missing updated property valuation report. | 11.21.2025 Client provided duplicate (in file) 1004D completion report however initial condition is regarding missing 3rd party CDA valuation supporting appraised value. CU Score is XXX which would require further valuation to support value. Condition remains 12.2.2025 Client provided a 3rd party CDA however not for this loan file, condition remains for subject 3rd party CDA 12.5.2025 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: The borrower middle credit score is XXX, which is points 131 higher than the benchmark score of XXX.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: The borrower have not had any 30-day, 60-day, or 90-day late payments on the all mortgage accounts within the last XXX months. This exceed the guidelines of XXX months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The primary borrower has been employed at their current job for XXX years, which is significantly longer than the typical employment duration.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The loan-to-value (LTV) ratio is XXX%, which is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: The borrower has total cash asset reserves of $XXX, which equates to XXX months of PITIA reserves. Calculation: $XXX divided by $XXX = XXX months of PITIA. Cash Reserves exceed XXX months of PITIA.<br>|
| 409031004 | XXXXXX | NV | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX years XXX months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: credit score XXX exceeds program minimum XXX by 114 points.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months at 0X 30 exceeds guideline of XXX months<br>|
| 409031005 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max per XXX Overlay.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX per XXX overlay.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REO $XXX \* XXX = $XXX reserves required by XXX Program.<br>|
| 409031005 | XXXXXX | ID | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA supporting appraisal value $XXX due to CU Score not available. | 12/2 client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrowers have been in their respective professions for XXX and XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max per XXX Overlay.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX per XXX overlay.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX \* XXX+ REO $XXX \* XXX = $XXX reserves required by XXX Program.<br>|
| 409031006 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 89 points above minimum program requirement of XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX years in line of business.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has XXX years XXX months in line of business<br>|
| 409031007 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | Texas Home Equity | Satisfied | C | A | C | A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | Affidavit of Fair Market Value is missing lender signature | 11/24/25 Client provided a FMV Affidavit signed by all parties. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no derogatory or delinquent credit history, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have had no derogatory mortgage related occurrences in the past two years, XXX months reviewed.<br>|
| 409031007 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | B | A | B | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | Satisfied. | Numeric | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no derogatory or delinquent credit history, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have had no derogatory mortgage related occurrences in the past two years, XXX months reviewed.<br>|
| 409031007 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | FNMA CU Risk Score is over 2.5, Collateral Desktop Analysis (CDA) ordered from XXX or a Consolidated Collateral Analysis (CCA) from XXX is required to support the value of the appraisal. | 12.2.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had no derogatory or delinquent credit history, XXX months reviewed.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have had no derogatory mortgage related occurrences in the past two years, XXX months reviewed.<br>|
| 409031009 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | A | A | D | B | C | B | D | B | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST115 | Cash reserves do not meet guidelines | No | Provide additional assets to meet minimum guideline required reserves of XXX months for loan amount $XXX and additional XXX months for XXX borrower, totaling $XXX. | 11.19.2025 Client provided exception approval to allow for short reserves for transaction, verified reserves $XXX and required reserves $XXX = -$XXXshort reserves | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: DTI XXX% with fico score XXX and LTV XXX% | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with current employer for XXX years, B2 has been XXX for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>|
| 409031009 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | B | A | A | D | B | C | B | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR3116 | Missing updated valuation | No | Lender provided a CU risk score which exceeds guidelines. File is missing 3rd party verification of value. | 12.1.2025 Client provided 3rd party CDA valuation supporting appraised value with 0.0% variance however appears 2nd full appraisal is required due to refinance transaction with loan amount over $XXX. Condition remains for 2nd full appraisal 12.2 Client provided an approved exception to allow the file without a 2nd full 1004 and using the CDA which supports the value | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with current employer for XXX years, B2 has been XXX for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>|
| 409031010 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | The file contains an H-8 Version of the Right of Rescission form, per Title Commitment in file, the previous 1st & 2nd liens were with XXX/ XXX Bank (same lender). Correct ROR type to be used for this transaction is H9 | 11/19/25 Client provided an approved exception for using incorrect ROR form | 11/19/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months of 0X30 exceeds guideline of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in verified assets is sufficient to cover required reserves XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX month at current job.<br>|
| 409031010 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Lender provided a CU score that exceeds guidelines. File is missing 3rd party verification of value. | 12.1.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months of 0X30 exceeds guideline of XXX months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in verified assets is sufficient to cover required reserves XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX month at current job.<br>|
| 409031011 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409031012 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Texas Home Equity | Satisfied | C | A | C | A | CMPTXHE119 | Texas Equity - Affidavit of Fair Market Value not signed by lender | No | TX EQ Affidavit of Fair Market Value not signed by lender. | 11/21/25 Client provided the fully executed FMV Affidavit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX in verified assets is sufficient to cover required reserves XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of XXX by 44 points<br>|
| 409031013 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXREO $XXX x XXX = $XXX<br>|
| 409031013 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | DTI | Waived | D | B | D | B | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Per 1003 there is an additional $XXX/month for XXX. LOE in file states no HOA. Provide documentation on the additional $XXX/month | 11/19 Client provided an LOE that there is no $XXX additional charge on the REO; Upon review provide a Processor Cert for the error on the 1003 and a corrected 1003 with additional $XXX removed from XXX REO section11/19 Client provided an approved exception to allow the file without the updated 1003 or UW Cert | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; strong reserves, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x XXX = $XXXREO $XXX x XXX = $XXX<br>|
| 409031014 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>|
| 409031015 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing XXX months rental history | 11.19.2025 Client provided exception approval for missing evidence of XXX months verification of rental housing payment history | Exception approved, B Grade | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409031016 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Qualifying payment using FIFA $XXX + $XXX + $XXX + XXX = $XXX x XXX months + XXX additional for XXX borrower = $XXX reserves required | 11.18.2025 Client provided exception approval to allow for short reserves of $XXX for subject transaction; verified reserves are $XXX and required reserves $XXX = $XXX short reserves. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV XXX % with DTI of XXX% and significant time XXX years with current employment. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years XXX months at current residence<br>|
| 409031016 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | No | Missing signatures for #1 - Year to date Balance Sheet for 1120S XXX #2 XXX 2024 Balance Sheet. | 11.18.2025 Client provided exception approval for missing signatures on YTD 2025 Balance Sheet for XXX and end of year 2024 Balance Sheet for XXX and appears to have been used for calculation of liquidity. | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV XXX% with DTI of XXX% and significant time XXX years with current employment. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years XXX months at current residence<br>|
| 409031016 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing signed HELOC close letter. | 12/18 Client provided executed letter to close HELOC | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years XXX months at current residence<br>|
| 409031016 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing UCDP with a Fannie CU score of 2.5 or less or Collateral Desktop Analysis (CDA) ordered from XXX or a Consolidated Collateral Analysis (CCA) from XXX as required by the guidelines to support appraisal value of $XXX. | 12.2.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years at current job<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years XXX months at current residence<br>|
| 409031017 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Final CD missing; Initial CD input as Final CD for testing purpose along w/ signed pg 6 of Final CD time stamped on XXX w/ signed date XXX | 11/26/2025 Client provided missing, complete Final CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guidelines of XXXby 74 points.<br>|
| 409031017 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, & H are not disclosed on Initial CD XXX (input as Final CD for testing purpose); Condition pending receipt of missing Final CD. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guidelines of XXXby 74 points.<br>|
| 409031017 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Property Valuations | Property | Satisfied | D | A | D | A | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | File is missing lender's condo limited review approval | 11/21 Client provided 1 page of the Lim Review Cert; provide all pages11.26.2025 Client provided all 4 pages of Lenders Questionnaire Certification for limited review | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX years at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guidelines of XXXby 74 points.<br>|
| 409031018 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | Right of Rescission | Satisfied | C | A | C | A | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Loan Consummated on XXX ROR Expiration Date is XXX; Final CD XXX indicates Disbursement Date of XXX. Per Settlement Statement in file, Disbursement date was XXX. Condition is pending receiving PCD with corrected dates and LOE to borrower. | 12/05/25 Client provided a corrected XXX PCCD with LOE and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization is XXX%.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrowers have had no derogatory occurrences or delinquent mortgage history in the past XXX months, XXX months reviewed.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have had timely mortgage payment history, XXX months reviewed.<br>|
| 409031019 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | A | D | B | A | A | D | B | B | A | D | B | A | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Provide XXX months VOM for XXX Mortgage statement shows XXX months of overdue payments. | 12/5 Client provided Evidence of XXX and XXX 2025 payments for XXX, Please provide the NOTE or VOM or similar to confirm 1st payment date 12/12 Client provided Mortgage statement with maturity date XXX; to confirm recent origination matching payment history | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $XXX. Verified $XXXSubject $XXX x XXX = $XXXREO: $XXX x XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years<br>|
| 409031019 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | A | D | B | A | A | D | B | B | A | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Subject purchased by seller within XXX days of the purchase contract. 2nd full appraisal required. | 11/13 Client provided an approved exception to allow the file without the 2nd full appraisal | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $XXX. Verified $XXXSubject $XXX x XXX = $XXXREO: $XXX x XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years<br>|
| 409031020 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Credit | Legal Documents | Satisfied | B | A | B | A | CRDLGL5480 | Trust Documents Not Acceptable/Not Executed | No | Trust Certification in file is not executed. | 11.26.2025 Client provided executed and notarized Trust Certification | Condition satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $CCC or CCC months, not including cash out<br>|
| 409031020 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Max loan amount $XXX, subject loan amount is $XXX | 11/21 Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $CCC or CCC months, not including cash out<br>|
| 409031020 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Property Valuations | Appraisal | Waived | D | B | D | B | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing Second Appraisal required per guidelines per guidelines loan amounts >$XXX require 2 full appraisals | 12/2 Client provided an approved exception to accept a CDA in lieu of a 2nd appraisal | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $CCC or CCC months, not including cash out<br>|
| 409031041 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Change of Circumstances dated XXX in file; however, the corresponding Closing Disclosure is missing. Condition is pending receiving CD. | 01/14/2026 Client provided missing CD XXX. Condition remains for evidence of receipt of the Initial CD XXX for both. 01/21/26 Client provided the signed copies of the XXX CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>|
| 409031041 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | Maximum allowed DTI for ARM transaction XXX%. Lender did not include including primary residence payment of $XXX generating XXX% DTI. | 1.13.2026 Client provided updated 1008 and LOX regarding updated income for B1 now including commission income to also consider the Primary Housing monthly payment of $XXX for updated DTI of XXX% and Lender updated 1008 DTI of XXX%. Written VOE is in file covering YTD XXX and prior two years earnings. Using lessor YTD XXX average of commission income. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>|
| 409031041 | XXXXXX | MT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing Credit Supplement, Mortgage Statement or VOM for XXX for XXXl, XXX, MN. Estimated PITI $XXX that was considered in Rental Income Analysis. | 1/12 Client provided supporting Docs for PITIA on XXX | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>|
| 409031058 | XXXXXX | CO | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX months of PITIAGuidelines require 9 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X 3 = $ XXX<br>|
| 409031159 | XXXXXX | OR | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not all Fees are on Borrower final CD dated XXX . As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close reserves verified at $XXX, required reserves are $XXX.<br>|
| 409031178 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX % LTV; max XXX %.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \*XXX = $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 35mo. 0x30 mortgage payment history; 0x30x24 required.<br>|
| 409031222 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3028 | LTV Exceeds Guideline Requirement by 10% or more | No | XXX % LTV Exceeds XXX % Max for Second Home CashOut per XXX XXX Guidelines | 12/30 Client provided an approved exception to allow the file with a XXXLTV | Upon review by Clayton XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX or $ XXX X 12 = $ XXX+ XXX for Additional REO or ($ XXX X 3 = $ XXX)<br>|
| 409031222 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Cash Out Request Exceeds Program Requirements By Less Than XXX% Of GuidelinesCash Out With Less Than XXX Seasoning on title | RWT Exception approved XXX to allow Cash Out Request Exceeding Program Requirements By Less Than XXX% Of Guidelines & Cash Out With Less Than XXX Seasoning on title | Clayton initial & final grade of B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX or $ XXX X 12 = $ XXX+ XXX for Additional REO or ($ XXX X 3 = $ XXX)<br>|
| 409031288 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal Desk Review fee $XXX was added to initial CD XXX section B. COC issued XXX does not list fee amount or any details as to why fee was added. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | XXX Client provided PCCD XXX with cure, LOE and created shipping label. Condition remains for copy of the cure check and delivery. XXX Client provided copy of the check and shipping label now in transit status. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $XXX X XXX = $ XXX<br>|
| 409031448 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3268 | Note in file is incomplete | No | Page 1 of Note is missing, please provide complete note. | 02/09/26 Client provided all pages to the Note. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XX in Current Profession<br>|
| 409031448 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | Mortgage/Deed in file is incomplete, page 1 is missing from file. | 02/09/26 Client provided all pages to the Mortgage. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XX in Current Profession<br>|
| 409031448 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Finance Charge Tolerance | Satisfied | C | A | C | A | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | The Finance Charge value of $XXX disclosed in Loan Calculations section of CD XXX does not match the calculated value of $XXX difference of $XXX. ARM Index lender used for calculations is less than Lowest Index Lookup. | 02/09/26 Client provided an Email response from the Seller including a screen shot of their ARM Index testing. Condition remains. Seller used an Index Rate of 3.812 (FIR 6.500) which is lower than the lowest available Index Rate in the lookback period. Internal testing used Index Rate of 3.8434 (FIR 6.6250). Cure via refund check of $ XXX with corrected PCCD and proof of delivery that includes tracking information, OR reduce the Margin to match the FIR disclosed, all with LOE, proof of delivery with tracking and reopen rescission.02/10/26 Client provided an Email response from the Seller that includes their Index lookback information. Upon review by internal Compliance counsel, screenshots reflecting the XXX lookback date and rate is acceptable for testing purposes. Manual index testing performed with no violations. | Condition Satisfied. Manual Compliance Review. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XX in Current Profession<br>|
| 409031448 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | The Total of Payments amount of $XXX disclosed on CD XXX in Loan Calculations does not equal the review calculation of $XXX difference of $XXX. ARM Index lender used for calculations is less than Lowest Index Lookup. | 02/10/26 Client provided an Email response from the Seller that includes their Index lookback information. Upon review by internal Compliance counsel, screenshots reflecting the XXX lookback date and rate is acceptable for testing purposes. Manual index testing performed with no violations. | Condition Satisfied. Manual Compliance Review. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XX in Current Profession<br>|
| 409031466 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per XXX, a revised Loan Estimate was issued on XXX which is missing from file. Provide all disclosures and corresponding COCs. | 01/14/26 Client provided the missing Revised XXX LE package and COC. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: At job > XXX<br>|
| 409031466 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Final CD XXX is only CD in file. Product not disclosed at least XXX prior to closing date of XXX. | 01/14/26 Client provided the missing Initial 11/26 CD package and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: At job > XXX<br>|
| 409031466 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | CD XXX is only CD in file. Provide initial CD given to borrower at least three days prior to closing date of XXX. | 01/14/26 Client provided the missing Initial XXX CD package and Tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: At job > XXX<br>|
| 409031466 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in the amount of $XXX as discount points increased without a COC in file. Condition is pending receipt of a Change of Circumstance, PCD reflecting lenders cure, LOE issued to borrower, a copy of refund and proof of delivery including shipping details and tracking information. | 01/14/26 Client provided the missing Revised XXX LE package with COC for Points. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: At job > XXX<br>|
| 409031466 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Note date XXX.B2 WVOE dated XXX. Provide VOE dated within guideline requirements. May be subject to additional conditions upon review. | 1.13.2026 Client provided email VVOE from employer dated XXX for B1 however initial condition is for B2 VVOE dated within XXX of Note date. Condition remains | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: At job > XXX<br>|
| 409031466 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | B1 and B2:Title: 'as single persons or joined by their respective spouses, if married'Warranty Deed: 'wife and husband'DOT: 'Tenancy in Common'Per Final 1003's, both Borrowers are unmarried.Provide updated matching documents correcting above discrepancies. May be subject to additional conditions upon review. | 2.5.2026 Client provided executed notarized Scrivener's Affidavit for Warranty Deed adding vesting to match Mortgage/Deed of Trust adding a single woman and a single man as Tenancy in Common however Warranty Deed in file (pg 459) reflected them as wife and husband however are single individuals, corrections made are only for vesting title names, Both borrowers were already reflected on Title and Deed, names did not change, only how vesting changed to match Deed of Trust. Minor corrections made, no name change, Scrivener's Affidavit accepted with correction of vesting titles as single individuals. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: At job > XXX<br>|
| 409031491 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Change of Circumstance XXX, a revised Loan Estimate was issued which is missing from file. | 12/20/2025 Client provided missing LE XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; additional REOs are lien free.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409031491 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | Credit | Terms/Guidelines | Satisfied | B | A | B | A | CRDTER109 | Cash Out Amount Exceeds Guidelines | No | Qualifying LTV is XXX% LTV. Max cash out for above LTV is XXXk. Final CD reflects $XXX. | 12/18 Client changed loan to XXX AUS, CO restriction doesn't not apply on the AUS product | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; additional REOs are lien free.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409031621 | XXXXXX | AZ | QM: Safe Harbor | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | XXX Client provided an exception approval for using incorrect ROR form | 12/10/2025 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guideline minimum of XXX by 121 points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX is below guideline maximum XXX by XXX.<br>|
| 409031659 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 51 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409031708 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX<br>|
| 409031725 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing in file. Loan change a loan product from Fixed to ARM on LE XXX but disclosure is missing. | 12/15/2025 Client provided approved exception request for Required ARM Loan Program Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409031725 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance in amount of $XXX due to increase in Appraisal fee by $XXX (from $XXX on LE XXX to $XXX on final CD XXX) and added Inspection fee on LE XXX (that decreased on final CD XXX) with no valid COC in file to support this change. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 12/15/2025 Client provided Duplicate LE XXX with COC XXX lock and PCCD XXX with cure. Condition remains for Copy of $XXX cure check, LOE to Borrower and evidence of delivery via tracking. 12/17/2025 Client provided duplicate PCCD XXX with cure, copy of cure check, LOE to Borrower and in transit tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409031726 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409031726 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs and CD e-signed by borrower; however, there is no prior e-sign consent in file. | XXX Client provided accepted e-consent for the Borrower dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX months PITI; $XXX or XXX months required.<br>|
| 409031727 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been owning the departed property for XXX years.<br>|
| 409031729 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX % for XXX Overlay.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; XXX overlay allows down to XXX.<br>|
| 409031729 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD. Condition pending receipt initial CD w/ proof of delivery at least XXX days prior to consummation. | XXX Client provided the e-signed XXX Initial CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX % for XXX Overlay.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; XXX overlay allows down to XXX.<br>|
| 409031729 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial LE method of receipt E signed. No evidence of E consent provided. Missing E consent. | XXX Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX % for XXX Overlay.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; XXX overlay allows down to XXX.<br>|
| 409031729 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing an additional bank statement consecutive to the XXX XXX acct dated XXX as required by DU. | XXX Client provided an approved exception to allow the file with 1 month statement | Upon review by Clayton SXXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX % for XXX Overlay.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; XXX overlay allows down to XXX.<br>|
| 409031729 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC2488 | Verbal verification of employment missing | No | Missing verification of the existence of borrowers XXX employment to be verified through a third-party source and be no more than XXX calendar days prior to the Note date XXX Third party verification can be from a CPA, regulatory agency or applicable licensing bureau. A borrowers website is not acceptable third-party source. | XXX Client provide an approved exception to allow the file with the Borrower website VVOE | Upon review by Clayton XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX % for XXX Overlay.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; XXX overlay allows down to XXX.<br>|
| 409031730 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with 0x30 Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409031731 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and TRID 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409031731 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Single family conforming balance limit$XXX current loan amount $XXX | 12/8 Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409031732 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI (Qualifying Rate)<br>|
| 409031732 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | 12/15/2025 Client provided a duplicate of Initial CD XXX e-signed XXX. Condition remains for CD XXX reflecting cash from Borrower $XXX proof of delivery for both minimum 3 days prior to consummation. 12/19/25 Client provided Tracking for the Initial XXX CD and the following Per Seller: Initial CD1 was sent out at 10:29 am and viewed by borrower. Document was not signed as borrower requested Loan amt change. Initial CD 2 was sent out at 3:47 pm with COC due to higher loan amount. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX months of 0x30 on current mortgage<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX months PITI (Qualifying Rate)<br>|
| 409031734 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | File is missing AUS used to qualify. Collateral Underwriter (CU) was used in lieu of a CDA or CCA | 12/5 Client provided DUAE 2 supporting the approval | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower 2 has>XXX years at current job<br>|
| 409031735 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Loan amount below guideline minimums of $XXX current loan amount $XXX | 12/8 Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at departed residence> XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job > XXX years.<br>|
| 409031737 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Guidelines: Minimum loan amount is $XXXLoan amount is $XXX | 12/5 Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409031740 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support the appraisal value of $XXX. CU score is 2.8. | 12/14 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>|
| 409031741 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Single family conforming balance limit$XXX current loans amount $XXX | 2/8 Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409031742 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409031743 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409031743 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | minimum loan limit $XXX current loan amount $XXX | XXX Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409031743 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | No | Loan is purchase of 2nd home. Only Primary Residence is allowed for Non XXX XXX XXX | XXX Client provded an approved exception to allow the file as a 2nd home with a XXX XXX | Upon review by Clayton XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409031744 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation CU score 3.3 | 12/9 Client provided a desk review supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months PITI in reserves.<br>|
| 409031745 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing full XXX months of VOR. | 12/4/25 Lender approved VOR for XXX months of on time rental history payments. Underwriter determined that is nonmaterial due to the following compensating factors of fico XXX, and minimal credit usage. | Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide liines.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimum credit usage of XXX%.<br>|
| 409031746 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value of $XXX due to CU Score 2.8. | 12/14 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves verified meets XXX Overlay parameter.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at the same residence for XXX years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>|
| 409031748 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in the amount of $XXX due to Inspection fee was added to LE XXX with no COC in file. Condition pending receiving a Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | XXX Client provided an LOE to borrower and $XXX refund check. Condition remains. Provide the PCCD reflecting the cure and the proof of delivery that includes tracking.XXX Client provided a XXX PCCD reflecting the cure credit. Condition remains for the proof of delivery with tracking information.XXX Client provided Delivered shipping label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements; no additional REO<br>|
| 409031748 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Guidelines: Minimum loan amount is $XXXLoan amount is : $XXX | XXXClient provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements; no additional REO<br>|
| 409031748 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3492 | Patriot Act form not fully executed by all parties | No | 1. Page 288 combined file: Patriot Act form is executed - but has no Borrower information.2. Page 289 combined file: Patriot Act form has Borrower information - but is not executed.Provide completed, third party executed Patriot Act form meeting requirements. May be subject to additional conditions upon review. | XXX Client provided an approved exception to allow the file with the Patriot info forms provided | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirements; no additional REO<br>|
| 409031750 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 77 points above minimum program requirement of XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has XXX years at current employer.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX years in line of work<br>|
| 409031750 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Appraisal fee increased from LE XXX $XXX to CD XXX $XXX. COC issued XXX does not list fee amount or give sufficient details as to why fee increased. No cure provided on final CD. Condition pending receipt detailed COC with fee addition validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | 12/17/2025 Client provided PCCD XXX with cure, copy of cure check, LOE and in transit Shipping Label. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 77 points above minimum program requirement of XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has XXX years at current employer.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX years in line of work<br>|
| 409031750 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing Collateral Desktop Analysis (CDA) ordered from XXX or a Consolidated Collateral Analysis (CCA) from XXX required to support appraisal value of $XXX due to CU Score 4.4 | 12/14 Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 77 points above minimum program requirement of XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower2 has XXX years at current employer.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower1 has XXX years in line of work<br>|
| 409031751 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX % is lower the maximum amount of XXX%<br>|
| 409031752 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Minimum loan amount $XXX current loan amount $XXX | XXX Client provided an approved exception toa allow the file with a a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX additional months for XXX Employed ($ XXX = $ XXX)+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409031753 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Single family conforming balance limit$XXX current loan amount $XXX | XXX Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXXV of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409031755 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER113 | Loan amount is below guideline minimum | No | Single family conforming balance limit$XXX Current Original Principal Balance$XXX | XXX Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have been in the same line of work for XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXXcredit score is below guideline minimum of XXX<br>|
| 409031756 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX years at current job.<br>|
| 409031757 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX score<br>|
| 409031757 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD method of receipt E signed. No evidence E consent was provided. Missing E consent. | XXX Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX score<br>|
| 409031757 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | Initial LE method of receipt E signed. No evidence E consent was provided. Missing E consent. | XXX Client provided the missing E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has XXX months of 0x30 on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX score<br>|
| 409031759 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Documentation | Waived | C | B | C | B | CMPDOC3076 | Legal document was not executed or is incomplete | No | Appraisal Report indicates SFR vs. MTG indicates PUD. | XXX Client provided an approved exception to allow the appraisal without correcting property type to PUD | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409031759 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409031759 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's 1008. | XXX Client provided the 1008 | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX years.<br>|
| 409031760 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409031761 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER4521 | Loan Amount does not exceed SFR Conforming Balance Limit | No | Loan amount of $XXX does not met lender required minimum loan mount $XXX over current conforming ($XXX)loan limit. | XXX Client provided an approved exception to allow the file with a loan amount of $XXX | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX required reserves are $XXX.<br>|
| 409031761 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA. CU Score in file 3.1, guideline requires 2.5 and below. | XXX Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX required reserves are $XXX.<br>|
| 409031762 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow down to XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409031763 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower Has Good Mortgage payment history with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409031764 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Overlay allows down to 661.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX<br>|
| 409031765 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5095 | TRID - Escrow Waiver Fee disclosed in Loan Costs but is not disclosed in Loan Disclosures | No | Final CD XXX, in Loan Costs section, Escrow Waiver Fee indicated; however, the Loan Disclosures section is missing the fee amount. Condition is pending receipt of LOX with corrected PCD to borrower. | 12/18/25 Client provided a corrected 12/11 PCCD and LOE to borrower. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX overlay allows down to 661<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409031766 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Overlay allows down to 661.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>|
| 409031767 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX; Overlay allows down to 661.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX of PITIAGuidelines require X months or $ XXX X XXX= $ XXX<br>|
| 409031768 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH189 | Missing credit report | No | Missing credit report | XXX Client provided Credit report for both borrowers dated XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; Overlay allows down to XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>|
| 409031768 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2422 | Missing Purchase Contract | No | Purchase Contract missing. | XXX Client provided executed copy of Sales Contract price $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; Overlay allows down to XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>|
| 409031769 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fee that should be disclosed in Section H is not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI XXX Max DTI allowed is XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require 6 months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409031770 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $XXX Appraised Value due to CU Score 3.6. | 12/14 Client provided a CDA supporting the appraised value with a 0% variance | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; Overlay allows down to 661.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments >XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409031771 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXXC)<br>|
| 409031772 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Subject property is purchase of second home outside approved area in South Carolina | XXX Exception approved XXX to allow purchase of second home outside approved area in South Carolina | Clayton initial & final grade of B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($XXX X XXX = $ XXX)<br>|
| 409031773 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Assets | Waived | C | B | C | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Post Close Assets are $ XXX or XXX of PITIA. Guidelines require XXX months or $ XXX X XXX = $ XXX | 12/9 Client provided an approved exception to allow the file with 5.61 months reserves | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV/CLTV/HLTV XXX Guidelines allow XXX<br>|
| 409031773 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Credit | Terms/Guidelines | Waived | B | B | B | B | CRDTER110 | Loan amount exceeds guideline maximum | No | Loan amount exceeds guideline maximum. Max Loan Amount for Primary CashOut with aXXXX credit score is $XXX, Subject Loan Exceeds $XXX | 12/9 Client provided an approved exception to allow the loan amount over 1mm with cash out | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV/CLTV/HLTV XXX Guidelines allow XXX<br>|
| 409031773 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 12/15 Client provided an AVM supporting the appraised value | SAtisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX Years at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Low LTV/CLTV/HLTV XXX Guidelines allow XXX<br>|
| 409031774 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Disclosure. | XXX Client provided approved exception request for Required ARM Loan Program Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence >XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job >XXX years.<br>|
| 409031774 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing confirmation for borrower receipt of Initial CD. | XXX Client provided Disclosure tracking details reflecting that Borrower received Initial CD XXX | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence >XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job >XXX years.<br>|
| 409031774 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Assets | Satisfied | C | A | C | A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing XXX agreement/ proof of withdrawal of XXX used to close the loan. | XXX Client provided the XXX statement | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence >XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job >XXX years.<br>|
| 409031774 | XXXXXX | PA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing evidence to validate the terms and payment of the $XXX XXX secured by the borrowers' 2nd Home being used to calculate the transaction DTI. | XXX Client provided the XXX agreement | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have been at current residence >XXX years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job >XXX years.<br>|
| 409031777 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | The Final Closing Disclosure XXX reflects the Amount Financed as $XXX, review calculation is $XXX, a difference of $XXX. | XXX Client provided an LOE to borrower, PCCD and $XXX refund check. Condition remains for the proof of shipment.XXX Client provided the shipping label and proof of delivery. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409031777 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409031777 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA or CCA supporting appraised value of $XXX | XXX Client provided a CDA supporting the appraised value with a XXX% variance | Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned their primary residence for XXX years XXX months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409031779 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX DTI using the qualifying rate (note rate + XXX) is below the maximum allowed DTI of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.<br>|
| 409031779 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | LTV/CLTV | Waived | C | B | C | B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Subject loan LTV of XXX exceeds the maximum allowable LTV of XXX due to ARM loan and use of gift funds. | 12/9 Client provided an approved exception to allow the file with XXX% LTV | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX DTI using the qualifying rate (note rate + XXX) is below the maximum allowed DTI of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX months of PITIA available in reserves; XXX months required.<br>|
| 409031792 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current employer.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower had XXX years XXX months at departing residence<br>|
| 409031803 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Waived | D | B | D | B | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing additional eligible funds to use for asset depletion as outlined in FNMA's seller guide for Employment-Related Assets as Qualifying Income to meet the XXX Overly DTI max of XXX%. | XXX Client provided an exception to allow the file using XXX% of assets for asset depletion | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV is below guideline maximum of XXX<br>|
| 409031803 | XXXXXX | PA | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Credit | DTI | Waived | C | B | C | B | CRDDTI187 | Debt Ratio > 60% | No | XXXX DTI exceeds the XXX Overlay max of XXX due to review's asset depletion approach based on FNMA's employment-related assets as qualifying income for a borrower < XXX yrs. old of XXX accts ($XXX + XXX)\*XXX + investment accts ($XXX + $XXX)\*XXX%= $XXX/XXX(loan term)= $XXX/mo. and total debts of $XXX/mo. Lender used XXX of all borrower funds including ineligible checking/savings and real estate sale proceeds minus funds to close, emd and reserves divided by onlyXXX months, resulting in $XXX/mo. and a XXX% DTI. FNMA seller guide outlines the use of eligible funds for this income type in sect. B3-XXX | XXX Client provide an approved exception to allow XXX% of assets for depletion over XXX months DTI XXX | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX LTV is below guideline maximum of XXX<br>|
| 409031835 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX PITIA in reserves.<br>|
| 409032147 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying Rate DTI of XXX% is below guideline maximum of XX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>|
| 409032168 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX or $XXX X 9 = $ XXX<br>|
| 409032545 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage & applicable riders. | XXX Client provided the missing, recorded Mortgage and Riders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETPost Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409032545 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETPost Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409032545 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Lender credit decreased from initial LE $XXX to final CD $XXX. No COC provided listing credit decrease or any details as to why credit decreased. Condition pending receipt detailed COC with decrease validated or Post CD reflecting lenders cure, LOX, Refund of $XXX w/ Proof of Delivery. | XXX Client provided COC XXX reflecting rate lock extended with decreased Lender Credit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETPost Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ 3XXX Months for Additional REO or $ XXX X XXX = $ XXX<br>|
| 409032548 | XXXXXX | AL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>|
| 409032588 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | A | A | A | D | B | D | B | B | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | CD: XXX, Section: Loan Information, Introductory Period/Interval Years, Value is XXXCD: XXX, Introductory Period/Interval Years, Value is XXX and CD: XXX Introductory Period/Interval Years, Value is XXX. Change of Product or Product Feature not disclosed at least XXX prior to closing. | 12/31/25 Client provided the XXX CD and the XXX Cert reflecting delivery to the Co-Borrower only (Viewed on XXX). Condition remains. For further testing, provide the XXX CD XXX Cert for the primary Borrower. Subject to re-review.01/08/26 Client provided the Envelope History confirming the Borrower viewed the CD in XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 128 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX of PITIA available in reserves; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>|
| 409032588 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | A | A | A | D | B | D | B | B | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in the amount of $XXX as Tax Service Fee increased without a valid COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/06/2026 Client provided PCCD XXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 128 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX of PITIA available in reserves; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>|
| 409032588 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | A | A | A | D | B | D | B | B | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LEs e-signed by both borrowers; however, there is no prior e-sign consent in file. Provide e-Consent for all borrowers. | 12/31/25 Client provided the E-Sign Invitation XXX reflecting both e-consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 128 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX of PITIA available in reserves; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>|
| 409032588 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | A | A | A | D | B | D | B | B | A | A | A | D | B | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH124 | Collections, Liens, etc. not paid as required by guidelines | No | File is missing documentation verifying judgment reported on title in the amount of $XXX has been paid and released. | 12/28 Client provided an affidavit, notarized, from the Borrowers that the Judgement is unrelated to them | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 128 points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX of PITIA available in reserves; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>|
| 409032599 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Missing Income WS for XXX calculations | XXX Client provided Lender income worksheet supporting monthly income used for qualifying (per 1008) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX of PITIAGuidelines require XXX months or $ XXXX XXX = $ XXX+ XXX additional months for XXX ($ XXXX XXX = $ XXX)+ X Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409032599 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Insurance Effective Date XXX is greater than the transaction date of XXX Per final CD disbursement date is XXX Condition Waived | Client provided waiver for hazard insurance not in effect at time of closing, however valid at time of delivery to XXX for purchase review | Clayton initial and final grade of B | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX of PITIAGuidelines require XXX months or $ XXXX XXX = $ XXX+ XXX additional months for XXX ($ XXXX XXX = $ XXX)+ X Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409032619 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in the amount of $XXX as HOA Master Policy fee was added to CD XXX without a COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/26/2026 Client provided PCCD with cure, copy of cure check, LOE and verified delivered XXX tracking. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%<br>|
| 409032827 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Value | Satisfied | D | A | D | A | PRVAVALU3872 | Missing Initial Valuation Product | No | Missing Valuation that supports the original appraisal value | 12.21.2025 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co Borrower at current employment XXX years<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409032911 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of REO PITI docs | 12.15.2025 Client provided mtg statement verifying PITI of $XXX (including escrows) for departure residence. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>|
| 409032911 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | List of homeowners counseling organizations not in file | 12/12/2025 Client provided missing Homeowners Counseling Organization List dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>|
| 409032911 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>|
| 409032911 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide sufficient documentation supporting $XXX PITI payment on departing residence first mortgage. Subject to DTI recalc and may be subject to additional conditions upon review. | 12.15.2025 Client provided mtg statement verifying PITI of $XXX (including escrows) for departure residence. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>|
| 409032911 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Provide updated policy with dwelling coverage for XXX loan amount.May be subject to additional conditions upon review. | 12.15.2025 Client provided estimated replacement cost worksheet, HOI reflect sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years same line of work<br>|
| 409032936 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CD delivered only via e-mail but there is no prior e-sign consent in file. | 01/09/26 Client provided the missing E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is less than maximum allowed XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX for reserves is sufficient to cover required$XXX<br>|
| 409032936 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID5111 | TRID - LE delivered only via e-mail but there is no prior e-sign consent in file; by regulation, LE must be treated as not delivered | No | LE delivered only via e-mail but there is no prior e-sign consent in file. | 01/09/26 Client provided the missing E-Consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is less than maximum allowed XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX for reserves is sufficient to cover required$XXX<br>|
| 409032947 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | B | B | D | A | D | B | A | A | B | B | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, a Revised CD was issued on XXX and a PCD on XXX which are missing from file. | 01/22/26 Client provided an LOE from Seller and updated Tracking. Neither CD was delivered to borrower. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 72 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using higher lender calculated fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409032947 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | B | B | D | A | D | B | A | A | B | B | D | A | Property Valuations | Property | Waived | B | B | B | B | PRVAPROP277 | Currently Listed for Sale | No | Subject property was listed for sale at the time of the loan application and is ineligible for a refinance. Upon further review XXX determined the guideline violation is non-material due to the following compensating factors; XXX% LTV with max of XXX%, XXX qual score with min of XXX, XXX% DTI with max of XXX% and $XXX verified reserves over the $XXX requirement. | (No Data) | 1.14.26- waived. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 72 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using higher lender calculated fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>|
| 409032987 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/12/2026 Client provided an attestation stating they are not affiliated with anyone. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>|
| 409032987 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>|
| 409033256 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/29/2026 Client provided an exception approval for using incorrect ROR form | 1/29/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>|
| 409033267 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing CD issued at Closing | 01/28/26 Client provided the missing, fully executed XXX Final CD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job XXX<br>|
| 409033267 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Finance Charge Tolerance | Satisfied | C | A | C | A | CMPFINT106 | Finance charge understated by more than $100 (Pmt Stream) | No | Finance charge exception triggered due to Index used for calculations does not match Note/ARM Rider Index. | 01/28/26 Client provided the missing, fully executed XXX Final CD. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job XXX<br>|
| 409033267 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per preliminary title in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/8/2026 Client provided an exception approval for using incorrect ROR form | 1/8/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job XXX<br>|
| 409033267 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX Tolerance Fee of $$XXX due to addition of Appraisal Desk Review in the amount of $XXX on CD XXX and Transfer Taxes in the amount of $XXX were added to PCD. Missing valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 01/28/26 Client provided the missing, fully executed XXX Final CD. Re-testing still results in a XXX Tolerance violation of $XXX due to the addition of an Appraisal Desk Review Fee on the Revised XXX LE (COC does not reflect a valid change in circumstance explanation) and added Transfer Taxes on the Final XXX CD without any COC in file. Provide valid change documents for these fee additions, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking information.01/30/26 Client provided a revised XXX COC with LE and the missing XXX COC with CD. Validating the added Transfer Taxes at Closing, however it's still unclear what the change in circumstance was for the added CDA Fee. Provide documentation, from the time of the change, to support the added CDA Fee, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery that includes tracking information.02/03/26 Client provided an Email rebuttal from the Lender stating the COC says why the CDA fee was added. Condition remains. The COC indicates the CDA fee would be added / required to support value of the appraisal, however it does indicate what "change occurred" that prompted the need for the CDA. Provide supporting change documents that validate why the CDA fee was added. Subject to re-review.02/06/2026 Client provided COC XXX reflecting CDA fee required to support value of the appraisal and due to LCA score of XXX. Anyting over XXX requires a CDA. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job XXX<br>|
| 409033267 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID4056 | TRID - CD: The Total Payment Amount on the Loan Calculation section of the Final Closing Disclosure is less than the Clayton Calculated Total Payment Amount | No | Total Payment Amount exception triggered due to Index used for calculations does not match Note/ARM Rider Index. | 01/28/26 Client provided the missing, fully executed XXX Final CD. Re-testing results in no violation. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job XXX<br>|
| 409033267 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID4043 | TRID - CD: The Index on the AIR Table of the Final Closing Disclosure does not match the Index on the Note | No | CD XXX, AIR Table Index does not have a value while Note and ARM Rider value is XXX XXX average. . Condition is pending LOX with corrected PCD to borrower. | 01/20/26 Client provided a XXX PCCD adding the Index of XXX_XXXAvg to the AIR Table. Condition remains for the LOE to Borrower.01/28/26 Client provided the missing XXX Final CD and duplicate copy of the corrected XXX PCCD. Condition remains for the LOE to Borrower (for the PCCD).01/30/26 Client provided the XXX COC/LE and XXX COC/CD. Condition remains for the LOE associated with the XXX PCCD.02/03/26 Client provided an Email LOE to the borrowers. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job XXX<br>|
| 409033271 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing. | 01/30/26 Client provided the missing ARM Program disclosure. Tracking in file confirms delivery on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; below guideline requirements of XXX% per program.<br>|
| 409033274 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co borrower at current employment XXX<br>|
| 409033278 | XXXXXX | CT | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title Commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form | 1/3/26 Client provided an approved exception for using incorrect ROR form | 1/3/26 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX\*9= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; max XXX%.<br>|
| 409033290 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been at current job >XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409033304 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support Appraised Value of $ XXX | 1.8.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXXs or $ XXX X 12 = $ XXX<br>|
| 409033305 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in amount of $XXX due to increased some Title fees paid to Affiliate on final CD XXX with no COC in file to support it. As Title company was selected by borrower from SPL, title fees paid to Affiliate are tested for XXX% violation. Condition is pending receiving a valid Change of Circumstances or PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/29/2026 Client provided PCCD XXX with Principal reduction, LOE and Loan Transaction History reflecting payment applied. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: > XXX at job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409033305 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Provide Missing updated valuationAppraised value not yet supported by XXX CU score.May be subject to additional conditions upon review. | 1.27.2026 Client provided copy of LP Accept streamlined findings to allow for use of LCA Risk XXX; file was previously reviewed to DU however re-reviewed to LP Accept allowing for use of LCA Risk XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: > XXX at job<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409033307 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure | 01/02/2026 Client provided Email to Borrower for the delivery of the ARM Disclosure stating that the Early ARM Disclosure was not included in the Initial disclosure package sent out on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 117 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITIA available in reserves; XXX required.<br>|
| 409033307 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | \*\*\*01/02/2026 Client provided Email to Borrower for the delivery of the ARM Disclosure stating that the Disclosure was not included in the Initial disclosure package sent out on XXX. Document was delivered after XXX from application. | 01/07/26 Client provided an approved exception for the ARM Program Disclosure timing not met. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 117 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITIA available in reserves; XXX required.<br>|
| 409033307 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% tolerance fee in the amount of $XXX as Recording Fee increased without a COC in file. Condition pending receiving a valid Change of Circumstances or Post CD reflecting lenders cure, LOX, a copy of refund and proof of delivery including shipping details and tracking information. | 01/06/2025 Client provided Duplicates of Initial CD, Final CD and COC XXX. Condition remains. All title fees in section B are not payable to the provider on the SPL, therefore all are testing as zero tolerance. The recording fee by itself is testing as XXX% for the increase from $XXX on the Initial LE to To $XXX on CD XXX to $XXX on CD XXX and down to $XXX on the last PCCD's. The Lender Credit also does not reflect any exceeds Legal Limit verbiage and does not apply toward any tolerance amount. Provide PCCD with cure, copy of cure check, LOE to Borrower and evidence of delivery via tracking. 01/07/26 Client provided an Email with Seller response: The XXX% tolerance amount is the total amount of fees in that category; not specifically to the recording fees section. On 11/19 when we sent this revised LE, the Good Faith Baseline amount was $XXX so we could have increased fees up to $XXX without a tolerance cure. Even though the recording fees increased on XXX, the total fees in that XXX% category were reduced to $XXX so we were still withing tolerance limits. Condition remains. The Title fees in Section B are not payable to the provider on the SPL. Since borrower chose a different provider, those fees are excluded from the XXX% bucket, leaving the Recording Fee alone in XXX%. 01/09/2026 Client provided a screen shot of email sent to Borrower reflecting a cure $XXX deposited to a Bank account. Condition remains for the PCCD reflecting the Lender Credit Cure and Supporting documentation that the refund was provided to an account of the Borrower. 01/09/26 Client provided a XXX PCCD with cure credit. Condition remains. Provide the evidence of delivery for the refund into the borrower's account.01/12/26 Client provided a screenshot of the Borrower's account with the $XXX deposit. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 117 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITIA available in reserves; XXX required.<br>|
| 409033307 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | File is missing a Verbal Verification of Employment (VVOE) performed no more than XXX (XXX) XXX prior to the Note date. | 1.5.2026 Client provided VVOE dated XXX (prior to closing within XXX) and (post close dated) XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 117 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITIA available in reserves; XXX required.<br>|
| 409033307 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | File is missing an RSU vesting schedule that identifies the borrower as the account owner. Vesting schedule provided in the file does not show the account owner. | 1.2.2026 Client provided RSU vesting award summary verifying borrower as XXX and RSU monthly income used for qualifying is supported along with continuance. | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 117 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITIA available in reserves; XXX required.<br>|
| 409033307 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard insurance dwelling coverage of $XXX is insufficient. A replacement cost estimate from the insurance provider is required. | 1/02/2026 client provided RCE which showed sufficient coverage. | Condition satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 117 points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITIA available in reserves; XXX required.<br>|
| 409033308 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Credit | Income/Employment | Waived | C | B | C | B | CRDINC2488 | Verbal verification of employment missing | No | File is missing a VOE for B1. | 1.2.2025 Client provided SOS dated XXX for XXX B2 business however it appears B1 works for B2 XXX. Initial condition remains for VVOE for B1 (wage earner, not self employment) 1/6 Client provided an approved exception to allow the file without additonal VVOE | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; XXX years in XXX, Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>|
| 409033309 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX% Tolerance Fee of $XXX due to Recording Fees increased from $XXX on Initial CD XXX to $XXX on Final CD XXX with no COC in file. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund | 01/20/26 Client provided the XXX Post (Funding) CD, ALTA and Disbursement Summary showing the reduced Recording Fee at Funding (overage refunded). | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>|
| 409033309 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | Property Valuations | Property | Satisfied | C | A | C | A | PRVAPROP177 | Property Issues Indicated | No | Photo page 38 indicates an outside laundry area. Provide further clarification if this is typical in the market area; are the washer/dryer units properly vented; are the units exposed to weather elements; and do they pose a health or safety hazard ? | 1.14.2026 Client provided updated appraisal with appraiser commenting on the outside Laundry area, typical for area no affect on marketability and is typical with posing no health or safety hazard | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>|
| 409033328 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC191 | Missing Mortgage | No | Missing Mortgage & applicable riders. | 01/15/26 Client provided the fully executed Mortgage and Riders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409033328 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC3274 | Mortgage/Deed in file is incomplete | No | 01/15/26 Client provided the missing Mortgage and Riders, however page 16 of 16 is missing. Provide page 16 of the Mortgage. | 01/23/2026 Client provided the complete, executed Mortgage with notary and Riders. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of missing REO PITI docs, Bonus income docs, 'other' PITIA amount on subject | 1/5 Client provided REO supporting docs; still need Bonus income docs, 'other' PITIA amount on subject 1.12.2026 Client provided additional requested documentation | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID5511 | TRID - CD: Monthly Non-Escrowed Amount in Projected Payments is inconsistent with annual cost in the Loan Disclosures section (SFIG 3.0) | No | Final CD XXX and PCD XXX, section Projected Payments Estimated Escrows - indication for HOA not being escrowed however on page 4 of disclosures, no amount is present for Non-Escrowed Property Cost over XXX. Condition is pending receiving corrected PCD with LOE to borrower. | 01/15/26 Client provided a XXX PCCD correcting error. Condition remains for the LOE to Borrower.01/19/26 Client provided the missing LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | 10/31/25 XXX# XXX statement is in file.Provide second most recent consecutive month's statement.Subject to asset recalc and may be subject to additional conditions upon review. | 1/5 Client provided a XXX XXX statement for XXX XXX covering XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Credit | Credit/Mtg History | Satisfied | C | A | C | A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide documentation / source for $XXX 'other' amount in subject's PITIA calc on final 1008. Clayton currently has it included in monthly property tax amount. Subject to DTI recalc and may be subject to additional conditions upon review. | 1.12.2026 Client provided Lender LOX stating the additional other amount of $XXX in taxes | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide documentation supporting REO 1st mortgage PITI. Subject to DTI recalc and may be subject to additional conditions upon review. | 1/5 Client provided supporting REO PITIA docs | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide XXX WVOE supporting Bonus income. Subject to income recalc and may be subject to additional conditions upon review. | 1/5 Client provided a WVOE supporting XXX qualifying income | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Clayton's Drive / Fraud report reflects a 'Deed Mortgage Modification Agr' on XXX on retained REO XXX. Provide documentation for this Modification, including when Mod terms ended. May be subject to additional conditions upon review. | 1.6.2026 Client provided copy of Deed of Trust Modification dated XXX and verifies amend the terms of the loan and extend the maturity date to XXX (Note date XXX) however, terms of this Mod was not provided. Condition remains for copy of terms of Mod. 1.12.2026 Client provided LOX and snipet stating modification extended the term to XXX which is XXX. The Credit report reflects the modified terms. | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033343 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | Property Valuations | Appraisal | Satisfied | C | A | C | A | PRVAAPPR4789 | Appraisal Deficiency | No | Appraiser to provide missing comp map | 1.12.2026 Client provided full copy of subject appraisal including comp map | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: XXX years at job<br>|
| 409033358 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Max DTI for ARMs: XXX%Qualifying DTI: XXX%, lender used lower qualifying rate per 1008 | 2/2 Client provided an Email; upon review income recalculated and DTI updated to XXX | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>|
| 409033358 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | The only VOE in file with a date is for XXX.Provide VOEs for all positive income used to qualify with > XXX% XXX, meeting XXX requirements.May be subject to additional conditions upon review. | 1.16.2026 Client provided twenty (20) SOS/VVOE for XXX business with > XXX% XXX however non appear to be dated, initial condition remains for prior to closing 3rd party SOS/VVOE for XXX > XXX% XXX. 1.20.2026 Client provided twenty (20) SOS/VVOE for XXX businesses dated XXX (within XXX of Note date) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>|
| 409033358 | XXXXXX | WI | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3258 | Missing Profit and Loss statement for one or more Self Employed borrowers | No | All PL's have been completed on Lender worksheets.Provide PL's for all businesses with declining income, meeting guidelines requirements.Provide PL for newly opened XXX, meeting guideline requirements. Reflects loss on Lender's PL.Subject to income recalc and may be subject to additional conditions upon review | 1.16.2026 Client provided YTD XXX P/L for businesses with declining income and for the newly opened XXX: XXX however regarding newly XXX (opened XXX) verify with documentation how much XXX B1 and/or B2 have w/XXX for calculation of income loss per the XXX P/L that was provided. Condition remains for evidence of XXX and upon receipt and review, loss calculation is needed for this newly business, lender currently using loss of -$XXX 1.20.2026 Client provided LOX regarding calculation loss of -$XXX using XXX% XXX of new business w/XXX for B1 and cash flow income analysis in file (pg 631) | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>|
| 409033372 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | Provide missing XXX XXX Tax Return attached statements 1-8. | 1/14 Client provided XXX statements XXX` | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 have been in the same line of work for XXX<br>|
| 409033401 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per Title commitment in file, loan originated with the same lender. Incorrect H8 ROR form was used instead of H9 form. | 12/23/25 Client provided an approved exception for using incorrect ROR form | 12/23/25 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>|
| 409033436 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Final Closing Disclosure does not reflect all the required Seller paid closing fees. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409033446 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed at the same job for XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in the same residence for XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; using qual rate $XXX\*6 + $XXX\*3= $XXX reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>|
| 409033451 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves $XXX or XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>|
| 409033459 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current profession for XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current primary residence for XXX.<br>|
| 409033489 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for Additional REO or $ XXX X 3 = XXX<br>|
| 409033500 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support $ XXX Appraised Value | 1.2.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or ($ XXX X 3 = $ XXX)<br>|
| 409033509 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Missing Initial ARM Disclosure provided to borrower within XXX of application XXX. | 01/26/2026 Client provided Early Arm Disclosure dated XXX with e-sign process summary showing it as part of the Initial Disclosures. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 12 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>|
| 409033520 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees listed on Seller CD but not Borrower final CD. As the fees are at least reflected there is no material issue. This exception is informational per Clayton Compliance department and XXX 2.0 revisions. Exception satisfied. Final Grade A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been with current employer for XXX, B2 for XXX.<br>|
| 409033768 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying Rate DTI for XXX% is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves (Qual Rate) 38.35 exceed guideline requirement of XXX months.<br>|
| 409033768 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Provide a copy of the AUS for this transaction. | XXX Lock provided for XXX ; AUS not required | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying Rate DTI for XXX% is below guideline maximum of XXX%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months PITI Reserves (Qual Rate) 38.35 exceed guideline requirement of XXX months.<br>|
| 409033779 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | B1 does not appear to have XXX income from a 2nd job. XXX start date XXX (active). XXX start date XXX (active). Cannot determine if XXX, XXX were 2nd jobs. | 1.12.2026 Client provided updated DU submission #5 removing B1 2nd job income and provided updated 1003/1008 with the same with updated DTI of XXX% | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $XXX. Verified $XXXSubject: $XXX x 9 = $XXXREO: $XXX x 3 = $XXX<br>|
| 409033817 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Required Assets to close $XXX. Verified assets $XXX; liquid assets $XXX. Borrower short <$XXX without verification of EMD>. | 12.21.2025 Client provided assets documentation along with evidence of EMD clearing (now giving EMD credit) and verified updated XXX #XXX balance of $XXX (prior balance was $XXX), appears large deposit is from sale of a property, there is a large deposit reflected on XXX in the amount of $XXX; separate condition on file for copy of HUD-1 from sale of a property to support this large deposit, this condition is being satisfied with received of sufficient funds to close being verified. | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409033817 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2550 | Missing HUD-1 from sale of property | No | Missing HUD1, Final CD, or ALTA Settlement Statement from sale of XXX verifying XXX mortgage paid off. | 12.21.2025 Client provided assets documentation along with evidence of EMD clearing (now giving EMD credit) and verified updated XXX #XXX balance of $XXX(prior balance was $XXXK), appears large deposit is from sale of a property, there is a large deposit reflected on XXX in the amount of $XXX; condition remains for executed copy of HUD-1 or CD from sale of property XXX and to support large deposit of $XXX on XXX (if applicable) otherwise additional documentation is required to source large deposit in XXX, if not verified coming from sale of home12/24 Client provided the HUD suporting proceeds of $XXX | Satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409033817 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Legal Documents | Waived | D | B | D | B | CRDLGL2422 | Missing Purchase Contract | No | Missing fully executed Purchase Agreement for XXX, XXX, XXX for $XXX. | 12.21.2025 Client provided executed copy of subject Sales Contract Price $XXX however not executed by Seller. Condition remains for fully executed ContractNote: page 1 of 1 Contract Summary with sales price of $XXX is missing seller signature. 12/23 Client provided an exception to allow the file without the seller signature on contract | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409033817 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's 1008 Transmittal Summary. | 12.21.2025 Client provided lender 1008 | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409033817 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | File is missing final inspection report. | 12.21.2025 Client provided final 1004D completion report with XXX% of fencing being completed with workers on site. | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409033817 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing FNMA or FHLMC UCDP with CU < XXX. If UCDP CU > XXX, missing CDA supporting appraised value $XXX. | 12.21.2025 Client provided UCDP CU Score XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX months with XXX x XXX Mortgage payment history exceeds guidelines of XXX months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409033818 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 409033818 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation to verify a XXX month rental payment history. | 12/18 Client provided an approved exception to allow the file without the XXX month VOR | XXX final grade | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 409033818 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | Property Valuations | FEMA | Waived | C | B | C | B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Disaster XXX. A post disaster inspection report is required | 1.5.2026 Client provided Lender email regarding XXX disaster and stating the customers for these loans did not contact us/Lender to declare any impact from the disasters declared. In addition, XXX also did not facilitate any insurance or loss draft activity for the properties. The customers on each loan maintained on-time payments prior to, and following, the XXX declared disasters. Response, Bulk transaction Client requested exception approval for missing XXX post disaster, allowing XXX to be waived if over XXX months (appraisal date XXX and XXX date XXX) | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: DTI XXX%, fico score XXX | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 409033819 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Property Valuations | FEMA | Waived | C | B | C | B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Disaster XXX. A post disaster inspection report is required | 1.5.2026 Client provided Lender email regarding XXX disaster and stating the customers for these loans did not contact us/Lender to declare any impact from the disasters declared. In addition, XXX also did not facilitate any insurance or loss draft activity for the properties. The customers on each loan maintained on-time payments prior to, and following, the XXX declared disasters. Response, Bulk transaction Client requested exception approval for missing XXX post disaster, allowing XXX to be waived if over XXX months (appraisal date XXX and XXX date XXX) | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: LTV XXX% and DTI XXX% | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max allowed.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX; total reserves required $XXX.<br>|
| 409033820 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | CD XXX Section: Loan Terms PI Can go as high as $XXX and Projected Payments Highest Maximum Payment is $XXX. Condition is pending corrected PCD reflecting whole dollar amount and LOX to borrower. | 12/24/2025 Client provided PCCD XXX with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years at current job.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX/XXX months reserves exceeds guideline required $XXX.<br>|
| 409033821 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX XXX XXX from XXX XXX , XXX s, and XXX | XXXClient provided 1004D/Pos tXXX inspection dated 1XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX-employed with current business since XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX % LTV is XXX % below the maximum allowable LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>|
| 409033822 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX - max payment as stated in the CD Loan Terms section $XXX doesn't equal max payments in Projected Payment table $XXX. Condition is pending receiving corrected PCD with LOE to borrower. | 12/22/2025 Client provided PCCD with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX + REO $XXX \* XXX= $XXX reserves required; XXX Bulk requirement met.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. XXX x XXX mortgage payment history; XXX x XXX x XXX required.<br>|
| 409033822 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Credit | Income/Employment | Waived | C | B | C | B | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | The lender qualified the borrower with $XXX/mo. ineligible income from a trust account statement funded by the borrowers XXX account and disbursed as outlined by the Revocable Living Trust agreement created XXX where the borrower is the Settlor/grantor and Trustee. The XXX Program guides require documented regular receipt of trust income for the past XXX months along with evidence the trust is irrevocable. FNMA seller guides require a letter from an accountant or attorney to review the trust when the borrower is the trustee along with confirmation the trust was established for XXX months or longer when the borrower is a grantor. When a trust is created within the previous XXX months it must be from eligible employment-related assets and calculated as defined under FNMAs B3-XXX-XXX Employment-Related Assets as Qualifying Income guidelines and meet all the requirements from that section. The XXX provided account is not an eligible source of funds. | 12/18 Client provided an approved exception to allow the file with evidence of XXX month receipt of $XXX disbursement Executed Trust in file | Upon review by Clayton Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX \* XXX + REO $XXX \* XXX= $XXX reserves required; XXX Bulk requirement met.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX mo. XXX x XXX mortgage payment history; XXX x XXX x XXX required.<br>|
| 409033823 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX - The max payment of $XXX as stated in the CD Loan Terms section does not match the highest possible payment of $XXX noted within the CD Projected Payments section. Condition is pending receiving corrected PCD with LOE to borrower. | XXX Client provided PCCD XXX with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: 0 x 30 > XXX months<br>|
| 409033824 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX - The max payment $XXX as stated in the CD Loan Terms section does not match the highest possible payment of $XXX noted within the CD Projected Payments section. Condition is pending receiving corrected PCD and LOE to borrower. | 12/22/2025 Client provided PCCD XXX with no rounding in the projected payments section and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409033824 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Missing evidence of e-Consent for the non-borrowing spouse who e-singed initial CD XXX | 12/20/2025 Client provided a docusign for CD XXX reflecting accepted consent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409033824 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing 3rd party valuation ordered by XXX. | 12/18 Client provided an EMAIL file has a CU score of XXX | Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409033825 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | The max payment as stated in the CD Loan Terms section reflects $XXX, does not match the highest possible payment noted within the CD Projected Payments section $XXX of the final & Post CD. | XXX Client provided PCCD XXX with corrections and the LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX<br>|
| 409033825 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Credit | Terms/Guidelines | Waived | C | B | C | B | CRDTER3122 | Loan documents do not meet guideline requirements | No | Borrower's payoff statement indicated a previous deferred forbearance on acct # XXX XXX (Covid related) | XXX Client provided an approved exception to allow the file with a prior forbearance | Upon review by Clayton XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $XXX<br>|
| 409033826 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Compliance | Documentation | Satisfied | B | A | B | A | CMPDOC2860 | TILA - Loan Originator Organization Name or ID missing from application. | No | Missing Loan Originator Organization NMLS ID missing for all 3 1003's | XXX Client provided updated 1003's for all three (3) borrowers with loan originator organization NMLS ID # | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: B2/B3 have XXX months of 0x30 on current mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>|
| 409033826 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | Credit | Income/Employment | Waived | D | B | D | B | CRDINC2408 | Income verification does not meet guidelines | No | Provide signed (by B3) XXX 1120S XXX XXX XXX or XXX Business Tax TranscriptsProvide XXX Tax Extension for B2/B3. Appears only XXX and XXX taxes were extended to October. | XXX Client provided email from CPA for B2/B3 stating XXX Federal and CA have extended the XXX due date to XXX due to your county being designated a XXX area due to the winter rains. Condition now remains for: XXX 1120S XXX XXX XXX signed/dated by B3 (per initial condition) XXX Client provided an approved exception to allow the file without the signed dated 1120s | Upon review by Clayton XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: B2/B3 have XXX months of 0x30 on current mortgages<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>|
| 409033827 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX - The max payment $XXX as stated in the CD Loan Terms section does not match the highest possible payment of $XXX noted within the CD Projected Payments section. Condition is pending receiving corrected PCD with LOE to borrower. | XXX Client provided PCCD XXX with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow 680<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409033828 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance fee for Second Review Appraisal Fee in the amount of $XXX was added to Loan Estimate XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | XXX Client provided a duplicate copy of the XXX COC. Condition remains. The COC states COC "Other" with Explanation LE crashed so need to start over. This change reason does not validate the added Review Appraisal of $90. Provide a valid COC for review, OR provide borrower with a $XXX refund, PCCD with cure, LOE and proof of delivery with tracking.XXX Client provided explanation for actions taken reflecting XXX: CDA fee required by the UW. During the review of the 1st LE XXX, the fee was not included, however, those documents were not disclosed to the Borrower. A new set of XXX documents were disclosed including the CDA fee. Condition remains. Provide a COC reflecting the Investor required CDA fee added with a copy of the Investor Lock to support. XXX Client provided another copy of the explanation summary and an Email from Lender stating the team informed them of the increase but since this closed XXX months ago, those emails are no longer available. Condition remains. The XXX Explanation on the summary/actions taken report indicates the CDA was "required by the UW". Provide supporting documentation of what "changed" that prompted the UW to order the CDA. We need a valid change reason in order to clear the exception, OR refund the borrower $XXX with a PCCD, LOE and proof of delivery that includes tracking information.XXX Client provided a XXX PCCD with cure, $XXX refund check, LOE and proof of delivery. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETPost Close Assets are $XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X = $ XXX<br>|
| 409033828 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | Initial CD XXX was e-signed by both titleholders; however, there is no prior e-sign consent in file for non-borrower. Provide e-Consent for all titleholders. | XXX Client provided the docusign Certs for the Initial XXX LE and Revised XXX LE packages. Condition remains. Missing the E-Consent for the non-borrowing title holder that e-signed the Initial XXX CD.XXX Client provided the XXX Initial CD docusign cert reflecting the non-borrower's E-consent. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: ASSETPost Close Assets are $XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or $ XXX X = $ XXX<br>|
| 409033829 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using the fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409033831 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 409033832 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed at the same job for almost XXX years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX % LTV; max XXX % ARM Feature, no loan >XXX % per XXX Bulk Overlay.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; $XXX= $XXX reserves required for FTHB under XXX Program and meets XXX Bulk requirement.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; XXX Bulk allows down to XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX % DTI; XXX Bulk allows up to XXX%.<br>|
| 409033834 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX - The max payment of $XXX as stated in the CD Loan Terms section does not match the highest possible payment of $XXX noted within the CD Projected Payments section. Condition is pending receiving corrected PCD and LOE to borrower. | XXX Client provided an LOE to borrower and XXX PCCD. Condition remains. The PCCD does not reflect the corrections needed. The Loan Terms section was incorrect, as it reflected an un-rounded max payment. Provide a corrected PCCD with "rounded" max payment amounts in both Loan Terms and Projected Payments.XXX Client provided PCCD XXX with corrections and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above minimum program requirement of XXX<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving utilization is near XXX%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history 0x30 XXX months<br>|
| 409033835 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX - The max payment of XXX as stated in the CD Loan Terms section does not match the highest possible payment of $XXX noted within the CD Projected Payments section. Condition is pending receiving corrected PCD and LOE to borrower. | XXX No documents provided for this exception. Condition remains. Provide a PCCD with corrections to Bands 2, 3 & 4 to include cents (no rounding) and LOE to Borrower for changes. XXX Client provided PCCD XXX with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since 8/22/2006.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX %.<br>|
| 409033835 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Hazard insurance dwelling coverage of $XXX is insufficient. A replacement cost estimate from the insurance provider is required. | XXX Client provided copy of Corelogic estimated replacement cost worksheet | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer since 8/22/2006.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX %.<br>|
| 409033836 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX- The max payment of XXX as stated in the CD Loan Terms section does not match the highest possible payment of $XXX noted within the CD Projected Payments section. Condition is pending receiving correct PCD and LOE to borrowers. | XXX Client provided corrected PCCD XXX with LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject; no additional REOs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409033837 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX % max allowed.<br>|
| 409033837 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA217 | Natural Disaster Area, no subsequent inspection (Individual) | No | Appraisal date XXX . XXX XXX #XXX for XXX XXX and XXX declaration date XXX . No subsequent inspection. | XXX Client provided 1004D (Post XXX inspection) dated XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX % max allowed.<br>|
| 409033839 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing evidence to verify XXX for borrower's rent payment history. | XXX Client provided an approved exception to allow the file without the | Clayton final grade is B | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; XXX Bulk allows down to XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual score $XXX \*XXX= $XXX reserves required.<br>|
| 409033840 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraisal value of $XXX due to CU Score 4, which is over 2.5. | House Canary AVM provided reflect FSD score of .12 which is outside of approved variance .10 and property value not supported within XXX % tolerance, - XXX% XXX Client provided Field Review dated XXX with value being supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is less than program maximum of XXX%<br>|
| 409033840 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | House Canary AVM provided reflect FSD score of .12 which is outside of approved variance .10 | XXX Client provided Field Review dated XXX with value being supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is less than program maximum of XXX%<br>|
| 409033840 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA4817 | Natural Disaster Area, Subseq inspect prior to Disaster (Individual & Public) | No | No inspection for XXX #XXX declared XXX. | XXX Client provided Post Close Disaster inspection dated XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is less than program maximum of XXX%<br>|
| 409033840 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | House Canary AVM property value not supported within XXX% tolerance, - XXX% | XXX Client provided Field Review dated XXX with value being supported | Condition satisfied | Not Applicable | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years XXX months at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% is less than program maximum of XXX%<br>|
| 409033841 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | A | D | A | D | B | D | B | C | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | CD XXX in file is e-signed by borrower on XXX and hand singed by co-borrower on XXX(closing date). Missing initial CD or evidence that it was received by co-borrower min XXX days prior to closing and CD that was acknowledged by both borrowers at closing date XXX. | XXX Client provided a screen print of Compliance tracking reflecting CD XXX was accepted by the Borrower on XXX. Condition remains. Provide evidence of Co-Borrower receipt of CD XXX minimum of XXX days prior to closing, and the Final CD executed at closing for complete testing.XXX Client provided XXX Disclosures including duplicate Initial CD XXX and Docusign reflecting CD was sent to Co-Borrower, however, does not acknowledge receipt. Condition remains. Provide evidence of Co-Borrowers receipt a minimum of XXX days prior to closing, and the Final CD executed at closing for complete testing.XXX Client provided an LOE from Lender stating the Borrower and Co-Borrower do not have to sign the Initial CD as long as the loan does not close prior to XXX days of issuance. Per the Tracking, both borrowers were emailed a copy of the Initial XXX CD (with prior e-consent). Waiting period met. Borrower e-signed on XXX and Co-Borrower hand-signed on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409033841 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | A | D | A | D | B | D | B | C | A | D | A | Credit | Assets | Waived | D | B | D | B | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | File is missing an additional consecutive month's bank statement for XXX accounts \*XXX and \*XXX that were used to qualify. Statements provided in the file are not consecutive. | XXX Client provided an approved exception to allow the file wiht 1 month statement | Upon review by Clayton XXX XXX Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409033841 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | C | A | D | A | D | B | D | B | C | A | D | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX XXX XXX from XXX , straight XXX , andXXX. | XXX Client provided Post XXX inspection dated XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX months of PITIA available in reserves; XXX months required.<br>|
| 409033842 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX XXX with an effective date of XXX. A XXX XXX inspection report is required | XXX Client provided Post XXX inspection dated XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX % DTI below guideline requirement of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX Median FICO > XXX points above guideline program minimum of XXX<br>|
| 409033843 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing post disaster inspection report for Natural Disaster #XXX declared XXX. | 12/24 Client provided a 1004D showing no damage to the subject since the XXX event | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>|
| 409033844 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Loan program changed from Fixed to ARM on LE XXX . ARM disclosure in file is dated XXX signed at closing on XXX. Missing ARM disclosure provided to borrower with LE XXX. | XXX Client provided an LOE from Lender stating the ARM disclosure was not issued on the XXX to the borrower and will not be able to be provided. Condition remains.XXX Client provided an approved exception for the missing XXX Loan Program Disclosure. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX or XXX months PITIA.<br>|
| 409033844 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | Property Valuations | FEMA | Waived | B | B | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Missing subsequent inspection for XXX XXX #XXX declared XXX. | XXX client provided an approved exception for missing PDI. | Initial and final grade B. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX or XXX months PITIA.<br>|
| 409033845 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Provide ARM Disclosure provided within XXX days from conversion to ARM on XXX. ARM Disclosure in file is dated XXX and signed at closing on XXX. | 12/18/25 Client provided an approved exception for the ARM Program Disclosure timing violation. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had no history of derogatory credit history, XXX months reviewed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's revolving credit utilization ratio is XXX%.<br>|
| 409033845 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | An updated inspection to be ordered by the lender. | 1.8.2026 Client provided Post Disaster inspection dated XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in profession for XXX years.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has had no history of derogatory credit history, XXX months reviewed.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's revolving credit utilization ratio is XXX%.<br>|
| 409033846 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance in amount of $XXX due to increase in Credit Report fee from $XXX on initial LE XXX to $XXX on Funding CD XXX with no valid reasons documented on COC XXX Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information | XXX Client provided COC XXX reflecting Added LPC for Credit fee increase. Condition remains. Provide further information of and evidence of the LPC via PCCD, copy of check, LOE and evidence received. Additional conditions may apply. XXX Client provided a XXX PCCD moving the $XXX Lender Credit to the Summaries of Transactions section. Condition remains. Provide the signed Final ALTA/Settlement Statement for review. Additional conditions may apply.XXX Client provided PCCD XXX with $XXX Lender Cure. Condition remains. Provide either a copy of the cure check, LOE to Borrower and evidence of delivery via tracking or, a copy of the signed Final Alta/Settlement Statement reflecting the additional $XXX credit to Borrower.XXX Client provided the $XXX refund check, LOE to Borrower and proof of shipment. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX or XXX months reserves for all properties owned.<br>|
| 409033846 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing CDA. CU Score in file 2.6, guideline requires 2.5 and below. | XXX Client provided AVM House Canary dated XXX with FSD 10 and High Confidence XXX%; value supported | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline max DTI of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX or XXX months reserves for all properties owned.<br>|
| 409033847 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Property Valuations | FEMA | Waived | C | B | C | B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing Disaster inspection for XXX XXX XXX | XXX Client provided Lender email regarding XXX XXX and stating the customers for these loans did not contact us/Lender to declare any impact from the XXX declared. In addition, XXX also did not facilitate any insurance or loss draft activity for the properties. The customers on each loan maintained on-time payments prior to, and following, the XXX XXX XXX Response, condition remains missing XXX post close inspection. Upon further review, Bulk transaction Client requested exception approval for missing XXX post XXX, allowing XXX to be waived if over XXX months (appraisal date XXX and last XXX XXX dated XXX) | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved B Grade with compensating factors: fico score 757 and minimal credit user. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409033848 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing XXX months rental history | 12/19 Client provided an approved exception to allow the file without the XXX month VOR | XXX final grade is B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409033848 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Credit | Income/Employment | Waived | B | B | B | B | CRDINC2488 | Verbal verification of employment missing | No | Missing VOE within XXX days prior to note date | 12/19 Client provided an approved exception to allow the file without the VVOE (paystub in file withon XXX days) | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409033848 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | File is missing 3rd party verification of value. | 12/19 Client provided an Email upon review file has a CU score of XXX supporting the appraised value | Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409033848 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | Property Valuations | FEMA | Waived | C | B | C | B | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | No inspection since the XXX Disaster XXX. A post disaster inspection report is required | 1.5.2026 Client provided Lender email regarding XXX disaster and stating the customers for these loans did not contact us/Lender to declare any impact from the disasters declared. In addition, Lender also did not facilitate any insurance or loss draft activity for the properties. The customers on each loan maintained on-time payments prior to, and following, the XXX declared disasters. Response, Bulk transaction Client provided exception approval for missing XXX post disaster, allowing XXX to be waived if over XXX months (appraisal date XXX and XXX date XXX) | Upon further review by Senior Underwriter, exception is deemed non-material. Exception approved, B Grade with compensating factors: fico score XXX and DTI XXX% | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score XXX<br>|
| 409033850 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | B | A | A | A | D | B | D | B | B | A | A | A | Credit | Credit/Mtg History | Waived | D | B | D | B | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing VOR for current residence. | 12/20 Client provided an approved exception to allow the file without the XXX month VOR | Upon review by XXX Senior Underwriter, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have been in current professions for a significant time, each XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had timely payments, with the exception of XXX x XXX day late payments over XXX months ago, XXX months reviewed.<br>|
| 409033850 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | B | A | A | A | D | B | D | B | B | A | A | A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Lender to order subsequent inspection. | 12.29.2025 Client provided 1004D stating value has not declined since the effective date of the appraisal however initial condition is regarding missing Post Disaster inspection being required. Initial condition remains 1.9.2026 Client provided 1004D (post disaster inspection) dated XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Both borrowers have been in current professions for a significant time, each XXX years.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers' revolving credit utilization ratio is XXX%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrowers have had timely payments, with the exception of XXX x XXX day late payments over XXX months ago, XXX months reviewed.<br>|
| 409033851 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | XXX Disaster Declaration#XXX date XXX, effective date XXX. Tropical Depression Tropical Depression XXX. Appraisal dated XXX. Provide post disaster inspection to confirm property was not affected by disaster. | 1.8.2026 Client provided XXX Disaster with date of inspection XXX and appraisal signature of XXX (possibly Year is a typo of XXX vs XXX), condition remains inspection dated XXX is prior to the disaster. 1.15.2026 Client provided updated XXX Post Disaster inspection dated XXX with no damage along with exterior photos | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below maximum allowed of XXX%, per guidelines for XXX Bulk Overlay.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves sourced. Exceeds requirement.<br>|
| 409033852 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: B2/B3 have XXX months XXX x XXX on current mortgage<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>|
| 409033853 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | CD XXX in file is incomplete - page 4 and 5 are missing. Provide full pages of CD XXX. | 12/20/2025 Client provided CD XXX complete with all pages. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX.<br>|
| 409033853 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | Finance Charge Tolerance | Satisfied | C | B | C | B | CMPFINT4372 | TILA/TRID-Disclosed Amount Financed is higher than Clayton's calculated Amount Financed | No | Final CD: Amount Financed is overstated by $XXX as Title Admin fee $XXX was not included into the Finance Charge calculation. Condition is pending receiving LOE to borrower, a copy of refund check, PCD and proof of delivery via shipping that includes tracking information. | 01/08/26 Client provided several Emails requesting internal testing and indicated the Seller comments: closing costs are not financed. The title administrator fee did not need to be included in the finance amount. Upon review by internal Compliance counsel, condition remains. The Seller is saying the closing costs are not financed, but their own Amount Financed is below the OPB, so thats not accurate. There are at least some closing costs that were financed. If they were meaning that the fee was not a finance charge, then we need an explanation of what the fee is covering. The Reg Z exemption is for certain title fees, but not all...(i) Fees for title examination, abstract of title, title insurance, property survey, and similar purposes. There is already a courier fee, and we have not seen this particular fee description before, so we are unsure what this Mail away/Admin fee is for or on what basis they are excluding it.01/15/26 Client provided a corrected XXX PCCD, LOE to Borrower, $XXX refund check and proof of shipment. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX.<br>|
| 409033853 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX.<br>|
| 409033854 | XXXXXX | NC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Natural Disaster Area, no subsequent inspection provided | 1/13 Client provided a post disaster inspection 1004D showing no damage since the XXXevent | Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX Years in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX<br>|
| 409033855 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX - The max payment $XXX as stated in the CD Loan Terms section does not match the highest possible payment $XXX noted within the CD Projected Payments section. Condition is pending receiving corrected PCD with LOE to borrower. | 12/23/2025 Client provided PCCD with correction and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 has been in current line of work for XXX years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for XXX years.<br>|
| 409033856 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower's revolving credit utilization ratio is XXX%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has had timely mortgage payments, XXX months reviewed.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in current profession for XXX years.<br>|
| 409033857 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX Months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX months or $ XXX X XXX = $ XXX+ XXX Months for Additional REO or ($ XXX X XXX = $ XXX)<br>|
| 409033858 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | B | C | B | CMPTRID3938 | TRID - CD: The max payment as stated in the CD Loan Terms section does not match the highest possible payment noted within the CD Projected Payments section and/or, if applicable, the AP Table | No | Final CD XXX and Funding CD XXX - The max payment of $XXX as stated in the CD Loan Terms section does not match the highest possible payment of $XXX noted within the CD Projected Payments section. Condition is pending corrected PCD and LOE to borrower. | 12/29/25 Client provided an LOE to borrower and XXX PCCD. Condition remains. The PCCD did not correct the proper section. The Projected Payments (rounded) was correct on the Final and PCCD in file. The exception was triggered due to the error in the Loan Terms section (rounding is required for the max stated payment for the Monthly Principal & Interest change). Condition remains. Provide a new LOE and PCCD that reflects the "rounded" Max Payment amount in both the Loan Terms and Projected Payments sections (both sections should reflect $XXX.12/22/2025 Client provided PCCD XXX with matching amounts and LOE. | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX years with current employer.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>|
| 409033861 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves verified at $XXX, required reserves are $XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history shows XXX derogatory events since account opening XXX.<br>|
| 409033915 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Per Disclosure Tracking Summary, revised Closing Disclosures were issued on XXX and XXX which are missing from file. | 02/03/2026 Client provided duplicates of CD's XXX and XXX. Condition remains. Provide CD XXX with Amount Financed of $XXX and XXX with Amount Financed of $XXX. Both of these CD's were received by the Borrowers per the Disclosure tracking. XXX Client provided a duplicate of the Final CD XXX and a CD dated XXX that is not listed on the Disclosure tracking. Condition remains. Provide the missing CD XXX with Amount Financed of $XXX and XXX with Amount Financed of $XXX. Both of these CD's were received by the Borrowers per the Disclosure tracking. 02/06/26 Client provided the XXX CD audit trail and rebuttal from Lender that states the envelope was generated on XXX and XXX. Condition remains. Verified the CD with Issue Date of XXX shows a print date of XXX and the Finance Charges match the disclosure tracking details in file. However, the XXX CD shows printed on XXX and the Finance Charges do not match the XXX disclosure tracking details. Provide the missing XXX CD with Finance Charges of $XXX.02/11/2026 Client provided a duplicate of the CD XXX with Finance charges of $XXX. And the CD dated XXX that the Loan Calculations show as $XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX sore XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>|
| 409033915 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH119 | Consumer lates exceed guidelines | No | 1X30 on a mortgage from XXX on a rental property. | 1/29/26 Lender approved exception for 1X30 on a mortgage from XXX on a rental property. Compensating factors of : stable employment (XXX in same position), XXX score XXX. Minimum reserves required: $XXX, and maximum DTI of XXX% per exception approval. | Final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX sore XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>|
| 409033915 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR848 | Missing Hazard Insurance | No | Missing hazard insurance for subject. | 2.2.2026 Client provided subject HOI policy | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX sore XXX exceeds guide lines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has stable employment with XXX at current job.<br>|
| 409034047 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX is not signed by all titleholders and there is no evidence in file of when it was delivered. Provide documentation all titleholders received an accurate CD XXX prior to closing. | 01/30/2026 Client provided 2 copies of accepted consent to Non-Borrower dated XXX and 2 screen shots of disclosure details reflecting Initial CD viewed by both parties on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX. XXX qualifying rate. XXX required<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI<br>|
| 409034050 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX effective/reserves; using qual rate $XXX\*6= $XXX reserves required.<br>|
| 409034082 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Determine status upon review / receipt of B2's closing VOE | 1.13.2026 Client provided VVOE dated XXX for B2 within XXX days of Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409034082 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP3254 | TILA - Cannot determine if ARM Program Disclosure was provided in a timely manner | No | Arm disclosure missing issue/ received date. No tracking evidence found in file to confirm disclosure was timely received by the borrower. | 01/20/26 Client provided an Email exchange between the Borrower and Lender showing the ARM Disclosure was delivered to the Borrower on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409034082 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | Federal Consumer Protection | Waived | B | B | B | B | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | 01/20/26 Client provided an Email exchange between the Borrower and Lender showing the ARM Disclosure was delivered to the Borrower on XXX. Per the Loan Estimates, the loan was initially changed from Fixed to ARM on the Revised XXX LE. Delivery of the ARM Loan Program Disclosure on XXX does not meet the required timing of delivery within XXX of program change to ARM. Provide the confirmation of delivery for the ARM Loan Program Disclosure within XXX of the XXX change to ARM. | 01/26/26 Client provided an approved exception for the ARM program disclosure timing violation. | Initial and Final Grade B. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409034082 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409034082 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Income/Employment | Satisfied | B | A | B | A | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | B2 WVOE is ineligible.Provide closing VOE and / or WVOE meeting guidelines, including start date.May be subject to additional conditions upon review. | 1.13.2026 Client provided VVOE dated XXX for B2 within XXX of Note | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409034082 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Purchase contract in file is incomplete.Provide full contract, all pages.May be subject to additional conditions upon review. | 1.13.2026 Client provided executed full complete copy of subject Purchase Agreement supporting price of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409034090 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX tolerance in amount of $XXX due to increased Title fees on LE XXX with no valid reasons documented on COC XXX. Title provider was selected from SPL and same company is also an affiliate to lender, all title fees are tested for XXX% tolerance. Condition is pending receiving PCD reflecting lenders cure, LOE to borrower, a copy of refund and proof of delivery via shipping that includes tracking information. | 01/14/26 Client provided an Email rebuttal from Seller with screenshots of the LE fees and Final CD fees. Seller states: The fees on initial LE XXX and XXX LE only increased to $XXX. There was a COC dated XXX noting the reason for increase of fees. Also, final CD shows the increases were not charged. Condition remains. The XXX COC was not a valid COC for the title fee changes, as borrower remained with the same provider from the SPL (XXX). Testing resulted in a XXX tolerance violation of $XXX. Seller to provide supporting documentation / verification on the increased charges between the 2 settlement provider offices for further review. Subject to re-review. Additional conditions may apply.01/16/2026 Client provided a screen shot of an email from the Lender stating Per 1026.19(e)(3)(iv)(A)-2), the COC LE issued on XXX is valid. We provided an SSPL for settlement provider "XXX" at a different address as the than the Settlement agent chosen by Borrower, with New information specific to the consumer or transaction that the creditor did not rely on when providing the original disclosures required under paragraph (e)(1)(1)of this section. Per review by Internal Compliance Counsel, The COC details that the borrower shopped for the provider at the different address and that it resulted in different fees. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves$XXX or XXX PITI (qual rate)<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score<br>|
| 409034099 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | File is missing verification of HOA dues for an additional property owned located at XXX, XXX, IL. Used lender amount of $XXX per month from final 1003 for recalculations. | 2/10 Client provided an Email that "The HOA dues for XXX are $XXX but their current escrow account is holding $XXX less than actual taxes and insurance so we accounted for that. $XXX + XXX = $XXX" | Satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been XXX with current business since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have $XXX available in reserves; $XXX in reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is XXX points above the minimum required score of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using higher lender calculated fully indexed rate is below the maximum allowed DTI of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>|
| 409034102 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated third-party property valuation product supporting appraisal value $XXX due to CU Score XXX. | 1.28.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 409034104 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Required Reserves: $XXX. Verified $XXXSubject $XXX x 12 = $XXXREO: $XXX x 3 = $XXX<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have XXX of 0x30 on current mortgage<br>|
| 409034107 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower have been in the same line of work for XXX<br>|
| 409034108 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI; XXX% max allowed.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $XXX or XXX PITI; $XXX or XXX required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; XXX% max allowed.<br>|
| 409034109 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX verified assets is sufficient to cover required reserves $XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>|
| 409034114 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>|
| 409034122 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | XXX percent tolerance fees in the amount of $XXX due to missing Loan Estimates. Upon receipt of Loan Estimates, items will be re-calculated. | 01/23/26 Client provided the missing Loan Estimates. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 409034122 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | XXX percent tolerance fees in the amount of $XXX due to missing Loan Estimates. Upon receipt of Loan Estimates, items will be re-calculated. | 01/23/26 Client provided the missing Loan Estimates. Re-testing results in no violation. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 409034122 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Missing all Loan Estimates | 01/23/26 Client provided the missing Loan Estimates. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 409034122 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Credit | Insurance | Satisfied | D | A | D | A | CRDINSR2400 | Missing Flood Certification Document | No | Missing Flood Certification. | 1.22.2026 Client provided copy of Flood Certification, flood zone X | Condition satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 409034139 | XXXXXX | MD | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in line of work<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower had XXX XXX at departing primary.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 140 points above minimum program requirement of XXX<br>|
| 409034142 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves exceed guidelines<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX exceeds guidelines<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement<br>|
| 409034145 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | ARM Disclosure in file is dated XXX which is after XXX from application date of XXX. | 01/08/2026 Client provided the list of early disclosures, including the ARM Disclosure in the documents sent on XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for Additional REO or ($ XXX X 3 = $ XXX)<br>|
| 409034160 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing XXX401k XXX statement for the file only includes XXX; XXX required and necessary to meet reserves requirement. | 2.12.2026 Client provided November XXX 401k statements | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409034186 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current employment XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>|
| 409034192 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | B | A | D | A | A | A | D | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing Initial ARM Disclosure. | 01/30/26 Client provided the ARM program disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 141 points above the minimum required score of XXX.<br>|
| 409034192 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | B | A | D | A | A | A | D | A | B | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing a CDA or CCA supporting appraised value of $XXX. | 1.29.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX available in reserves; $XXX in reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 141 points above the minimum required score of XXX.<br>|
| 409034243 | XXXXXX | IL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2642 | Missing proof that HELOC has been paid and closed to future draws | No | Missing proof that XXX with XXX has been paid and closed to future draws | 2.3.2026 Client provided executed by borrowers requesting closure of HELOC upon receipt of payoff | Condition satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrowers have 0x30 on current and previous mortgages<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>|
| 409034262 | XXXXXX | WA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum of XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX verified assets is sufficient to cover required reserves $XXX.<br>|
| 409034295 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV<br>|
| 409034316 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX\*9= $XXX reserves required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with the same employer for XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% using qual rate; XXX% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>|
| 409034335 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>|
| 409034337 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure | 01/05/2026 Client provided missing ARM Disclosure dated XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XX in Current Profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX of PITIAGuidelines require XXX or $$XXX X 6 = $ XXX+ XXX for Additional REO or ($ XXX X 3 = $ XXX)<br>|
| 409034344 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | The Seller Fees on the Final CD do not match the Seller Fees from the Seller CD. | (No Data) | Condition Satisfied. All Seller fees have been sourced from the Seller CD . | Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX %.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX of liquid (non-retirement) assets available in reserves; minimum liquid post-closing assets of $XXX are required.<br>|
| 409034344 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | DTI | Waived | B | B | B | B | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | Recalculated DTI of XXX% using the fully indexed rate exceeds the maximum allowable DTI of XXX%. It appears lender used asset depletion income of $XXX/XXX to qualify. No income worksheet or comments/notes were provided in the file indicating the source of this income. Recalculated asset depletion income was $XXX/XXX using available asset documentation provided in the file. Available assets used for recalculation were XXX non-retirement account \*XXX with available balance (less $XXX EMD wire out) of $XXX plus remaining non-retirement post-closing assets of $XXX from 2 XXX accounts XXX and a XXX account \*XXX at XXX% rate of return over the life of the loan. IRA account statements provided in the file cannot be used for asset depletion income since borrower is < 59 1/2. | 1/26 Client provided an approved exception granted to allow use of IRA account with balance of $XXX to be included in asset depletion, resulting in DTI of XXX% | Upon review by Clayton XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX %.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $XXX of liquid (non-retirement) assets available in reserves; minimum liquid post-closing assets of $XXX are required.<br>|
| 409034347 | XXXXXX | NJ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX. 0x30 mortgage payment history; 0x30x24 required.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX\*12 + REO $XXX\*3= $XXX reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using qual rate; max XXX%.<br>|
| 409034985 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR848 | Missing Hazard Insurance | No | Missing HO-6 policy to verify coverage. | 2.3.2026 Client provided subject HOI policy with sufficient coverage | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX reserves; using qual rate $XXX\*9= $XXX reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI using qual rate; max XXX%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qual score; min XXX.<br>|
| 409035034 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | DTI | Satisfied | B | A | B | A | CRDDTI105 | Debt Ratio Exception 5% or Less | No | 7/6 ARM program indicates qualify with greater of the fully indexed rate or the note rate. The indexed rate was used, generating a XXX% DTI. Maximum DTI allowed is XXX%. | 1/12 Client provided LOX that B2 other income $XXX asset depletion should be included; Provide supporting asset depletion calculation with docs for review 1/28 Client provided assets used and supporting calcuation | Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX PITI in reserves.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>|
| 409035353 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC2408 | Income verification does not meet guidelines | No | Provide XXX paystubs or W2's (showing XXX). Documentation of XXX for XXX. WVOE shows "other" income but is not broken out. | 1.28.2026 Client provided the following for XXX income calculation: provided XXX w2's along with end of year XXX paystubs along with XXX stock history and continuance, file have stock price. XXX income used for qualifying is supported. In addition per lender LOX file was manually underwritten, no AUS ran. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>|
| 409035353 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Credit | Terms/Guidelines | Satisfied | D | A | D | A | CRDTER2548 | Missing AUS or AUS errors present | No | Missing AUS as required by XXX XXX AUS 7/6 ARM Guidelines | 1.28.2026 Client provided LOX stating this loan was locked under the XXX XXX program, which is a manual underwrite. No AUS was run. Response, file was reviewed to XXX AUS XXX ARM, condition remains for lock confirmation to review as XXX ARM XXX 1/29 Client provided lock cjhanging loan to XXX XXX AUS not required | Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>|
| 409035353 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Property Valuations | Property | Waived | C | B | C | B | PRVAPROP177 | Property Issues Indicated | No | Max acreage 40. Loan closed at XXX. XXX approval in file however missing AUS | 1.28.2026 Client provided LOX stating file was not ran AUS, file was manual underwritten and further stating file have an exception approval for acres exceeding 40.00; Response, file was initially reviewed to AUS, provide copy of lock confirmation for re-review of file to XXX ARM 7/6 along with exception approval under correct program. Condition remains 1/29 loan changed to XXX XXX ARM; Client provided an apporved exception to allow the file with XXX | Upon review by Clayton XXX, Condition is a Non Material B grade; Borrower credit score exceeds min required | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has XXX at Current Residence<br>|
| 409035381 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees reflected on Seller CD but not included on Borrower Final CD. | (No Data) | Conclusion-Exception Satisfied. Seller fees have been sourced on the Seller CD. | Numeric | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 18 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>|
| 409035396 | XXXXXX | CO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 9 = $ XXX+ XXX for Additional REO or $ XXX X 3 = XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>|
| 409035414 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has XXX in Current Profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>|
| 409035549 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller fees were able to be sourced from the sellers CD document. Consistent with the XXX, we are satisfying to 1/A. | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned current home for XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>|
| 409035549 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Legal Documents | Satisfied | D | A | D | A | CRDLGL2422 | Missing Purchase Contract | No | Provide a copy of the execute Purchase Contract to support sales price $XXX. | 1.29.2026 Client provided executed Sales Contract price of $XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned current home for XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>|
| 409036698 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>|
| 409036977 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | B | A | B | A | B | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Application date XXX, initial Arm Disclosure in file is dated XXX. | 01/22/26 Client provided the Initial XXX ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and 3 financed REOs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409036977 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | B | A | B | A | B | A | A | A | B | A | Credit | Application | Satisfied | B | A | B | A | CRDAPP131 | Occupancy status not supported by file documentation | No | Borrower to provide sufficient LOE why Warranty Deed for subject Notarized XXX, states his departing residence 1. as his address, and 2. has subject's tax bills being sent to departing residence.Per docs in file, departing residence is already rented out. | 1.23.2026 Client provided LOX email stating a move in date have not yet been determined for borrower to move in so the Buyer current address was used. The Buyer can update the mailing address with the county tax office, at any point in time. | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and 3 financed REOs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409036977 | XXXXXX | TN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | B | A | B | A | B | A | A | A | B | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | VOMs in file from XXX for a. XXX XXX REO's only reflect the number of lates in the last XXX. Per guidelines, provide updated VOMS for each for most recent XXX. May be subject to additional conditions upon review. | 1/21 Client provided Emails that loans are reported to credit; only one active mortgage reported to credit #XXX and it is last reported XXX; Condition remains 1.23.2026 Client provided email from XXX verifying Borrower having no late payment in life of the loans | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves sourced:Months PITI Reserves (Qual Rate)XXXCash Reserves$XXXExceeds requirement for subject and 3 financed REOs<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX qualifying score<br>|
| 409036986 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing | XXX Client provided a copy of the XXX Booklet. Condition remains. Provide the ARM Loan Program Disclosure.XXX Client provided the missing ARM Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>|
| 409037010 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>|
| 409037286 | XXXXXX | DC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of XXX is below guideline maximum DTI of XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>|
| 409037610 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Closing XXX. Initial CD not provided. Condition pending receipt initial CD & applicable COC forms w/ proof of delivery at least XXX prior to consummation. | 10/16/2026 Client provided missing Initial CD XXX e-signed on XXX, XXX reflecting e-consent for each and Disclosure details for Initial CD XXX. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>|
| 409037610 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Credit/Mtg History | Satisfied | B | A | B | A | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing full XXX pay history per guideline for the following months XXX and XXX through XXX. | 1.15.2026 Client provided copy of Promissory Note for departure home where XXX hold the mortgage and borrowers pay XXX, VOM (from XXX through current) was provided verifying satisfactory payment history on departure home | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>|
| 409037610 | XXXXXX | NH | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | Credit | Credit/Mtg History | Satisfied | D | A | D | A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing proof the mortgage payment decreased from $XXX as stated on note to $XXX to match the amount paid on bank statements. | 1.15.2026 Client provided Letter from Private Mortgage Holder (B2 XXX) whom is the Lien Holder on the departure home where Borrower pay parents the mortgage payment on the departure home, LOX signed by all parties states there is also an agreement that B2 would pay $XXX towards mortgage for departure home, this clarifies reason for decreased payment of $XXX being transferred out of Borrower account to XXX | Condition satisfied | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has XXX at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have XXX at current residence.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has XXX at current job.<br>|
| 409037617 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing Affiliate Business Disclosure | 01/28/26 Client provided the missing ABD. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409037617 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | Right of Rescission | Waived | B | B | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Per title commitment in file, loan originated with same lender. Incorrect ROR H-8 Form Used in Refinance with Original Creditor | 1/26/2026 Client provided an exception approval for using incorrect ROR form | 1/26/2026 Initial and final grade 2/B | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409037617 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Initial CD XXX is not signed and there is no evidence in file of when it was delivered to borrower. Product not disclosed at least XXX prior to closing date of XXX. | 01/28/26 Client provided a Processor Cert from the Lender stating the condition is invalid, as the program code adjustment does not constitute a new waiting period under TRID. Condition remains. This exception triggered due to the missing confirmation of receipt by all parties for the Initial XXX CD. Without confirmation of receipt, the mail rule and waiting period calculates to an earliest Closing Date of XXX (loan Closed XXX). For further testing, provide the XXX CD confirmation of receipt by all title holders.02/10/2026 Client provided a Lender signed certification that the CD XXX was generate solely for internal Balancing purposes and was not issued to the Borrower. Initial Closing Disclosure was provided to the Borrower on XXX and has been added to the loan. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409037617 | XXXXXX | MN | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C | A | C | A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Initial CD dated XXX is not signed and there is no evidence in file of when it was delivered to borrower. Provide proof of borrowers receipt of initial CD. | 01/28/26 Client provided a Processor Cert from the Lender stating the condition is invalid, as the program code adjustment does not constitute a new waiting period under XXX. Condition remains. This exception triggered due to the missing confirmation of receipt by all parties for the Initial XXX CD. Without confirmation of receipt, the mail rule and waiting period calculates to an earliest Closing Date of XXX (loan Closed XXX). For further testing, provide the XXX CD confirmation of receipt by all title holders.02/10/2026 Client provided a Lender signed certification that the CD XXX was generate solely for internal Balancing purposes and was not issued to the Borrower. Initial Closing Disclosure was provided to the Borrower on XXX and has been added to the loan. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX at current job<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX% below guideline requirements XXX%.<br>|
| 409037654 | XXXXXX | SC | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower XXX at current employment<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV XXX%<br>|
| 409037668 | XXXXXX | AZ | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Missing ARM Loan Program Disclosure | 01/19/26 Client provided the missing ARM Loan Program Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of $XXX% is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 409037681 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $ XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with XXX Late Payments > XXX<br>|
| 409037749 | XXXXXX | VA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of XXX exceeds guideline minimum credit score of XXX.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Both borrowers have XXX with current employers.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of XXX% is below guideline max LTV of XXX%.<br>|
| 409037785 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D | A | D | A | CMPTRID3600 | TRID - CD delivered only via e-mail but there is no prior e-sign consent in file; by regulation, CD must be treated as not delivered | No | CDs e-signed by both titleholders; however, there is no prior e-sign consent in file for non-borrower; by regulation, e-signed disclosures must be treated as not delivered. Provide e-Consent for all titleholders. | 01/20/26 Client provided the full Document Package Audit Report that reflects both E-Consents. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the same profession for XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Fico score XXX exceeds guide lines.<br>|
| 409037951 | XXXXXX | MA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Credit | Credit/Mtg History | Waived | B | B | B | B | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | No | Tradelines Does Not Meet Guideline Requirements | Client provided exception waiver for tradelines not meeting guidelines | Claytons final grade B | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX + 3 forXXX, or $ XXX X 12 = $ XXX<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Low DTI XXX % Max DTI allowed is XXX %<br>|
| 409037972 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | B | A | D | B | B | B | D | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | No | Required ARM Loan Program Disclosure missing | 01/19/26 Client provided the missing ARM Loan Program Disclosure. | Condition Satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>|
| 409037972 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | B | A | D | B | B | B | D | A | B | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Section H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>|
| 409037972 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | B | A | D | B | B | B | D | A | B | A | Credit | DTI | Active | B | B | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DTI qualifying rate is over XXX%. XXX%. Placing for possible pricing difference. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>|
| 409037972 | XXXXXX | ME | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | B | B | B | D | A | B | A | D | B | B | B | D | A | B | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Missing 1004D for Pipe Repair | 1.16.2026 Client provided Septic System Repair Pictures for subject from XXX which appears to show sagged section of pipe removed and bent pipe removed with new pipe being installed & bedded in stone/pavers replaced and site backfilled all as stated per Septic system repair report along with exterior photos of areas, in addition copy of ICA Agreement in file (pg 276) reflecting the same: seller agrees to have the sewer line professionally repaired by XXX prior to closing at Sellers expense, any walkway or landscaping disturbed during the process shall be restored to its original condition. All completed per this report along with exterior photos. Per appraisal, subject to completion of repair of sewer line as per the ICA agreement | Condition satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: High Credit XXX Guidelines allow XXX<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower Has history of good credit with 0 Late Payments > XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $XXX or XXX PITIAGuidelines require XXX or $ XXX X 6 = $ XXX+ XXX for Additional REO or $ XXX X 3 = $ XXX<br>|
| 409038039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Seller-paid fees that should be disclosed in Sections C, E, F, & H are not disclosed on Final CD XXX; Seller's CD in file & able to test; Condition Satisfied. | (No Data) | Condition Satisfied. | Numeric | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%<br>|
| 409038039 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation supporting appraised value XXX (CU XXX) | 2.4.2026 Client provided 3rd party CDA valuation supporting appraised value with XXX% variance | Condition satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has >XXX at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% below guideline requirement XXX%<br>|
| 409038067 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 24 points above the minimum required score of XXX.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV; max XXX%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has XXX of PITI available in reserves; XXX required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI is below the maximum allowed DTI of XXX%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX with current business since XXX.<br>|
| 409038069 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DT of XXX% is below guideline maximum of XXX%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is below guideline maximum of XXX%<br>|
| 409038073 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $XXX/XXX > than reserve requirement $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX mid score > min required of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI XXX% is below guideline maximum XXX%.<br>|
| 409038324 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. Upon receipt of missing income documentation and VOE required to determine QM status. | 1.20.2026 Client provided lender cash flow income analysis for XXX income used for qualifying and provided YTD XXX Profit/Loss for XXX business supporting slight less income however DTI still within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>|
| 409038324 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | A | A | A | A | CMPTRID5293 | TRID Not all required seller-paid fees were disclosed on the CD | No | Not all required seller-paid fees were disclosed on the final CD. Seller's CD in file and able to trace all fees, exception is satisfied | (No Data) | This exception is informational. Exception satisfied. Final Grade A | Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>|
| 409038324 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Verify the existence of the borrower's business within XXX prior to the note date. | 1.20.2026 Client provided copy of XXX search of business dated XXX however missing 3rd party acceptable documentation verifying active status of business. Condition remains 1.20.2026 Client provided SOS dated XXX (post close dated) for XXX business (AUS) | condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>|
| 409038324 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Income/Employment | Satisfied | D | A | D | A | CRDINC3204 | Income Documentation Missing | No | 1) Income calculation worksheet or 1008 with income calculation required. The XXX 1084, or XXX Form 91 or equivalent is required for XXX analysis.2) Provide a signed Profit and Loss statement for borrower's business. May be either audited or unaudited. CPA prepared, or borrower prepared is acceptable. | 1.20.2026 Client provided lender cash flow income analysis for XXX income used for qualifying and provided YTD XXX Profit/Loss for XXX business supporting slight less income however DTI still within guidelines | Condition satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>|
| 409038324 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Insurance | Satisfied | C | A | C | A | CRDINSR5352 | Flood Effective date is greater than the transaction date | No | Flood Insurance Policy effective date XXX is greater than disbursement date XXX. Obtain policy to support Note date XXX. | 1.20.2026 Client provided updated flood insurance policy effective XXX | Condition satisfied | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>|
| 409038324 | XXXXXX | SC | QM: Rebuttable Presumption (APOR) | QM: Rebuttable Presumption (APOR) | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Credit | Insurance | Waived | B | B | B | B | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | Hazard Insurance Policy effective date XXX is greater than disbursement date XXX. Obtain policy to support Note date XXX. | Client provided exception approval for Insurance Effective date is greater than the transaction date | Claytons final grade B | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Qualifying DTI of XXX% is below guideline maximum of XXX%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX credit score exceed guideline minimum of XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Months Reserves (Qual Rate) XXX exceed guideline requirement of XXX<br>|
| 409038384 | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | Federal Consumer Protection | Satisfied | B | A | B | A | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | No | Missing ARM Loan Program Disclosure after 3 days from application XXX. | 11/3/25 Client provided ARM disclosure delivered XXX. | 11/3/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $XXX or XXX months PITIA. Reserves required by AUS $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX above guideline XXX<br>|
| 409038384 | XXXXXX | WA | QM: Safe Harbor | QM: Safe Harbor (APOR) | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Compliance | RESPA | Satisfied | B | A | B | A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing List of homeowners counseling organizations | 11/3/25 Client provided counseling list. | 11/3/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $XXX or XXX months PITIA. Reserves required by AUS $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years in profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score XXX above guideline XXX<br>|
| 409038385 | XXXXXX | ID | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrowers LTV XXX% is less than guideline maximum XXX%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Borrowers DTI XXX% is below guideline minimum XXX%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have lived at current residence for XXX years<br>|
| 409038386 | XXXXXX | NJ | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | Appraisal | Satisfied | D | A | D | A | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original apprised value of $XXX Clayton ordered Desk Review, pending. | 4.25.2025 Desk review not supported variance XXX%. | Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% is below DTI XXX%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 and B2 XXX years in profession<br>|
| 409038386 | XXXXXX | NJ | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Property Valuations | Value | Satisfied | C | A | C | B | PRVAVALU5249 | Property Value Not Supported | No | Desk review received not supported variance XXX% Field review recommended. | 4/28/25 Client provided an additional copy of the CDA desk review with $XXX which has a XXX% variance, not supporting the $XXX appraised value used to qualify. XXX Field Review received value supported. value supported. | 5.5.25 Exception Satisfied. | Not Applicable | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI XXX% is below DTI XXX%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B1 and B2 XXX years in profession<br>|
| 409038387 | XXXXXX | HI | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are$XXX or XXX months PITIA. Required PITIA reserves are XXX x $XXX = $XXX<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: XXX years in profession<br>|
| 409038388 | XXXXXX | NC | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D | A | D | A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Subject to: Missing evidence of payoffs of B2 & B3 departing PITI of $XXX. No evidence supporting excluding from DTI. | 10/29/25 Client provided purchase agreement, rider, CD and promissory note. Subject departing is a balloon note with no payments for 6 months. Clayton removed PITI payment of departing residence. | 10/29/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX Credit score exceeds guidelines of XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $XXX or XXX months PITIA exceed guideline required XXX x $XXX = $XXX and DU required $XXX.<br>|
| 409038388 | XXXXXX | NC | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Credit | DTI | Satisfied | C | A | C | A | CRDDTI187 | Debt Ratio > 50% | No | Lender/DU approved with XXX% DTI, review DTI XXX% including B2 & B3 departing PITI of $XXX. No evidence supporting excluding from DTI. | 10/29/25 Client provided purchase agreement, rider, CD and promissory note. Subject departing is a balloon note with no payments for XXX months. Clayton removed PITI payment of departing residence. | 10/29/25 Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX Credit score exceeds guidelines of XXX.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, XXX years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $XXX or XXX months PITIA exceed guideline required XXX x $XXX = $XXX and DU required $XXX.<br>|
| 409038597 | XXXXXX | NY | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Credit | Insurance | Satisfied | B | A | B | A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Loan amount $XXX. HOI dwelling coverage $XXX + $XXX Other structures = $XXX; insufficient coverage. Provide updated HOI policy reflecting sufficient coverage. May be subject to additional conditions upon review. | 2.11.2026 Client provided HOI policy with full XXX% replacement cost | Condition satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $XXX verified assets is sufficient to cover required reserves $XXX.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: XXX exceeds guideline minimum XXX.<br>|
| 409039296 | XXXXXX | TX | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% CLTV below guideline requirements of XXX% per program.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: XXX with 0x30 Mortgage payment history exceeds guidelines of XXX.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: XXX% DTI below guideline requirement of XXX%.<br>|
| 409039483 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Lender used assets from a trust account to meet the reserves requirement. Borrower is the beneficiary of this account and receives a monthly distribution which was also used to qualify. File is missing documentation of the conditions under which the borrower has access to the funds and the effect, if any, that the withdrawal of funds will have on trust income used in qualifying the borrower for the mortgage. | 2.4.2026 Client provided copy of Trust along with copy of Trust statement with balance of over $XXX all is not needed for reserves, minimal amount needed for reserves and provided copy of Revocable Trust | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX of PITI available in reserves; XXX required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above the minimum required score of XXX.<br>|
| 409039483 | XXXXXX | CA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC150 | Income docs do not meet guidelines | No | Trust income of $XXX/month was used to qualify and was supported by a trust account statement showing disbursements to the borrower. However, file is missing additional documentation as required by client guidelines:1) Guarantee trust income at its current amount will continue for at least XXX. This is different than requirement of sufficient account balance to verify XXX continuance.2) Documentation verifying regular receipt of trust income for the past XXX (XXX) or XXX (XXX) XXX.3) Copy of trust agreement or trustee statement showing total amount of borrower designated trust funds, terms of payment, duration of trust and evidence the trust is irrevocable. | 2.24.2026 Client provided copy of Trust statements verifying receipt of monthly Trust income of $XXX for B1 (over XXX evidence of receipt was provided) along with Letter from Trustee and copy of Trust and Trust statement supports over XXX continuance and was stated verified with Trust Letter. | Condition satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: XXX% LTV is XXX% below the maximum allowable LTV of XXX%.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-borrower has been with current employer since XXX.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers have XXX of PITI available in reserves; XXX required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of XXX is 120 points above the minimum required score of XXX.<br>|

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** | **Redwood Trust** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **SEMT 2026-HYB1** | **SEMT 2026-HYB1** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **260** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *260* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** <br>| *196* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 409022016 | XXXXXX | XXXXXX | D | B | D | B | D | B | C | A | D | B | D | B | D | B | C | A | Not Applicable |
| 409022020 | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | Not Applicable |
| 409022021 | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | Not Applicable |
| 409022029 | XXXXXX | XXXXXX | D | B | D | B | A | A | D | B | D | B | D | B | A | A | D | B | No |
| 409022040 | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable |
| 409022041 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| 409022053 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409022288 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409023727 | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No |
| 409024237 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409024436 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409024602 | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| 409025430 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Yes |
| 409025472 | XXXXXX | XXXXXX | D | B | C | B | D | B | A | A | D | B | C | B | D | B | A | A | No |
| 409025997 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 409026012 | XXXXXX | XXXXXX | B | B | B | B | A | A | B | A | B | B | B | B | A | A | B | A | Not Applicable |
| 409026066 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409026125 | XXXXXX | XXXXXX | D | B | A | A | D | B | A | A | D | B | A | A | D | B | A | A | No |
| 409026162 | XXXXXX | XXXXXX | D | B | A | A | D | B | B | A | D | B | A | A | D | B | B | A | Not Applicable |
| 409026178 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409026188 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409026193 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409026202 | XXXXXX | XXXXXX | C | A | B | A | A | A | C | A | C | A | B | A | A | A | C | A | Not Applicable |
| 409026260 | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | No |
| 409026332 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409026337 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409026356 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409026906 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409026997 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409027029 | XXXXXX | XXXXXX | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | No |
| 409027058 | XXXXXX | XXXXXX | D | B | D | A | A | A | D | B | D | B | D | A | A | A | D | B | Not Applicable |
| 409028839 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409028841 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409028957 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | No |
| 409029084 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409029142 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409029166 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409029234 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409029266 | XXXXXX | XXXXXX | D | B | C | B | A | A | D | A | D | B | C | B | A | A | D | A | Not Applicable |
| 409030231 | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409030548 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409030636 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409030649 | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 409030999 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409031001 | XXXXXX | XXXXXX | D | B | B | B | A | A | D | A | D | B | B | B | A | A | D | A | Not Applicable |
| 409031002 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031003 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 409031004 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409031005 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409031006 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409031007 | XXXXXX | XXXXXX | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | No |
| 409031009 | XXXXXX | XXXXXX | D | B | C | B | D | B | A | A | D | B | C | B | D | B | A | A | No |
| 409031010 | XXXXXX | XXXXXX | D | B | A | A | D | A | B | B | D | B | A | A | D | A | B | B | No |
| 409031011 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031012 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409031013 | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| 409031014 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031015 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | No |
| 409031016 | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | No |
| 409031017 | XXXXXX | XXXXXX | D | A | A | A | D | A | D | A | D | A | A | A | D | A | D | A | Not Applicable |
| 409031018 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409031019 | XXXXXX | XXXXXX | D | B | B | A | D | B | A | A | D | B | B | A | D | B | A | A | Not Applicable |
| 409031020 | XXXXXX | XXXXXX | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | No |
| 409031041 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409031058 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031159 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409031178 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031222 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Yes |
| 409031288 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409031448 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409031466 | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | Not Applicable |
| 409031491 | XXXXXX | XXXXXX | D | A | B | A | A | A | D | A | D | A | B | A | A | A | D | A | No |
| 409031621 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Yes |
| 409031659 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031708 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031725 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409031726 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409031727 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409031729 | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| 409031730 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031731 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031732 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409031734 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409031735 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031737 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031740 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409031741 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031742 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031743 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409031744 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409031745 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031746 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409031748 | XXXXXX | XXXXXX | C | B | B | B | A | A | C | B | C | B | B | B | A | A | C | B | Not Applicable |
| 409031750 | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No |
| 409031751 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409031752 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031753 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031755 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031756 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031757 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409031759 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 409031760 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031761 | XXXXXX | XXXXXX | D | B | B | B | D | A | A | A | D | B | B | B | D | A | A | A | Yes |
| 409031762 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031763 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031764 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031765 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409031766 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031767 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031768 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409031769 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031770 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409031771 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409031772 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409031773 | XXXXXX | XXXXXX | D | B | C | B | D | A | A | A | D | B | C | B | D | A | A | A | Not Applicable |
| 409031774 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | No |
| 409031777 | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | Not Applicable |
| 409031779 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | No |
| 409031792 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409031803 | XXXXXX | XXXXXX | D | B | C | B | A | A | D | B | D | B | C | B | A | A | D | B | Not Applicable |
| 409031835 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409032147 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409032168 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409032545 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409032548 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409032588 | XXXXXX | XXXXXX | D | B | B | A | A | A | D | B | D | B | B | A | A | A | D | B | Not Applicable |
| 409032599 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409032619 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409032827 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | No |
| 409032911 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | No |
| 409032936 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409032947 | XXXXXX | XXXXXX | D | B | A | A | B | B | D | A | D | B | A | A | B | B | D | A | Yes |
| 409032987 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409033256 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 409033267 | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | No |
| 409033271 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409033274 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409033278 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | Not Applicable |
| 409033290 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033304 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409033305 | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No |
| 409033307 | XXXXXX | XXXXXX | D | B | D | A | A | A | C | B | D | B | D | A | A | A | C | B | Not Applicable |
| 409033308 | XXXXXX | XXXXXX | C | B | C | B | A | A | A | A | C | B | C | B | A | A | A | A | Not Applicable |
| 409033309 | XXXXXX | XXXXXX | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | Not Applicable |
| 409033328 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | No |
| 409033343 | XXXXXX | XXXXXX | D | B | D | A | C | A | D | B | D | B | D | A | C | A | D | B | No |
| 409033358 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409033372 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409033401 | XXXXXX | XXXXXX | B | B | A | A | A | A | B | B | B | B | A | A | A | A | B | B | No |
| 409033436 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033446 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033451 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409033459 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033489 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033500 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409033509 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409033520 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409033768 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409033779 | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | No |
| 409033817 | XXXXXX | XXXXXX | D | B | D | B | D | A | A | A | D | B | D | B | D | A | A | A | Not Applicable |
| 409033818 | XXXXXX | XXXXXX | C | B | B | B | C | B | A | A | C | B | B | B | C | B | A | A | No |
| 409033819 | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | Not Applicable |
| 409033820 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Yes |
| 409033821 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 409033822 | XXXXXX | XXXXXX | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Not Applicable |
| 409033823 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409033824 | XXXXXX | XXXXXX | D | B | A | A | D | A | D | B | D | B | A | A | D | A | D | B | Not Applicable |
| 409033825 | XXXXXX | XXXXXX | C | B | C | B | A | A | C | B | C | B | C | B | A | A | C | B | Not Applicable |
| 409033826 | XXXXXX | XXXXXX | D | B | D | B | A | A | B | A | D | B | D | B | A | A | B | A | No |
| 409033827 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409033828 | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | Not Applicable |
| 409033829 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033831 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033832 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033834 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409033835 | XXXXXX | XXXXXX | C | B | C | A | A | A | C | B | C | B | C | A | A | A | C | B | Not Applicable |
| 409033836 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409033837 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 409033839 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409033840 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | No |
| 409033841 | XXXXXX | XXXXXX | D | B | D | B | C | A | D | A | D | B | D | B | C | A | D | A | Not Applicable |
| 409033842 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| 409033843 | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | No |
| 409033844 | XXXXXX | XXXXXX | B | B | A | A | B | B | B | B | B | B | A | A | B | B | B | B | No |
| 409033845 | XXXXXX | XXXXXX | C | B | A | A | C | A | B | B | C | B | A | A | C | A | B | B | No |
| 409033846 | XXXXXX | XXXXXX | D | B | A | A | D | A | C | B | D | B | A | A | D | A | C | B | No |
| 409033847 | XXXXXX | XXXXXX | C | B | A | A | C | B | A | A | C | B | A | A | C | B | A | A | No |
| 409033848 | XXXXXX | XXXXXX | D | B | B | B | D | B | A | A | D | B | B | B | D | B | A | A | No |
| 409033850 | XXXXXX | XXXXXX | D | B | D | B | B | A | A | A | D | B | D | B | B | A | A | A | No |
| 409033851 | XXXXXX | XXXXXX | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Not Applicable |
| 409033852 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033853 | XXXXXX | XXXXXX | D | B | A | A | A | A | D | B | D | B | A | A | A | A | D | B | No |
| 409033854 | XXXXXX | XXXXXX | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | No |
| 409033855 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409033856 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033857 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409033858 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | No |
| 409033861 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409033915 | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Yes |
| 409034047 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409034050 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034082 | XXXXXX | XXXXXX | D | B | C | A | A | A | D | B | D | B | C | A | A | A | D | B | No |
| 409034090 | XXXXXX | XXXXXX | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | Not Applicable |
| 409034099 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409034102 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409034104 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034107 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034108 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034109 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409034114 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034122 | XXXXXX | XXXXXX | D | A | D | A | A | A | D | A | D | A | D | A | A | A | D | A | Not Applicable |
| 409034139 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409034142 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409034145 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409034160 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409034186 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409034192 | XXXXXX | XXXXXX | D | A | A | A | D | A | B | A | D | A | A | A | D | A | B | A | Not Applicable |
| 409034243 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | No |
| 409034262 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409034295 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034316 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034335 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034337 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409034344 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409034347 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409034985 | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409035034 | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | Not Applicable |
| 409035353 | XXXXXX | XXXXXX | D | B | D | A | C | B | A | A | D | B | D | A | C | B | A | A | Not Applicable |
| 409035381 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409035396 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409035414 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409035549 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| 409036698 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409036977 | XXXXXX | XXXXXX | B | A | B | A | A | A | B | A | B | A | B | A | A | A | B | A | No |
| 409036986 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409037010 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409037286 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409037610 | XXXXXX | XXXXXX | D | A | D | A | A | A | C | A | D | A | D | A | A | A | C | A | No |
| 409037617 | XXXXXX | XXXXXX | C | B | A | A | A | A | C | B | C | B | A | A | A | A | C | B | Not Applicable |
| 409037654 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409037668 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409037681 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409037749 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | No |
| 409037785 | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| 409037951 | XXXXXX | XXXXXX | B | B | B | B | A | A | A | A | B | B | B | B | A | A | A | A | Not Applicable |
| 409037972 | XXXXXX | XXXXXX | D | B | B | B | D | A | B | A | D | B | B | B | D | A | B | A | Not Applicable |
| 409038039 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | A | A | A | D | A | A | A | Not Applicable |
| 409038067 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409038069 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409038073 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409038324 | XXXXXX | XXXXXX | D | B | D | B | A | A | D | A | D | B | D | B | A | A | D | A | Not Applicable |
| 409038384 | XXXXXX | XXXXXX | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | Not Applicable |
| 409038385 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409038386 | XXXXXX | XXXXXX | D | A | A | A | D | A | A | A | D | B | A | A | D | B | A | A | Not Applicable |
| 409038387 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409038388 | XXXXXX | XXXXXX | D | A | C | A | A | A | D | A | D | A | C | A | A | A | D | A | No |
| 409038597 | XXXXXX | XXXXXX | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | No |
| 409039296 | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| 409039483 | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.7

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Client Name:** | **Redwood Trust** |  |  |  |
| **Client Project Name:** <br>| **SEMT 2026-HYB1** |  |  |  |
| **Deal Loan Count:** | **260** |  |  |  |
| **Waived Conditions Summary** | **Waived Conditions Summary** |  |  |  |
| **Review Scope** | **Category** | **Code** | **Description** | **Count** |
| Credit | Legal Documents | CRDLGL2422 | Missing Purchase Contract | 1 |
| Credit | Terms/Guidelines | CRDTER110 | Loan amount exceeds guideline maximum | 2 |
| Credit | Terms/Guidelines | CRDTER113 | Loan amount is below guideline minimum | 9 |
| Credit | Terms/Guidelines | CRDTER3122 | Loan documents do not meet guideline requirements | 4 |
| Credit | Terms/Guidelines | CRDTER3492 | Patriot Act form not fully executed by all parties | 1 |
| Credit | Terms/Guidelines | CRDTER3654 | Borrower(s) do not meet guideline requirements for citizenship status | 1 |
| Credit | Terms/Guidelines | CRDTER4521 | Loan Amount does not exceed SFR Conforming Balance Limit | 1 |
| Credit | Credit/Mtg History | CRDCRMH119 | Consumer lates exceed guidelines | 1 |
| Credit | Credit/Mtg History | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | 2 |
| Credit | Credit/Mtg History | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | 1 |
| Credit | Credit/Mtg History | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | 4 |
| Credit | Credit/Mtg History | CRDCRMH3000 | # of Tradelines Does Not Meet Guideline Requirements | 1 |
| Credit | DTI | CRDDTI105 | Debt Ratio Exception XX% or Less | 1 |
| Credit | DTI | CRDDTI106 | Debt Ratio Exception >XX% and  | 1 |
| Credit | DTI | CRDDTI187 | Debt Ratio > XX% | 1 |
| Credit | DTI | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | 1 |
| Credit | LTV/CLTV | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least XX%, but less than XX% | 1 |
| Credit | LTV/CLTV | CRDLTV3028 | LTV Exceeds Guideline Requirement by XX% or more | 1 |
| Credit | Income/Employment | CRDINC150 | Income docs do not meet guidelines | 1 |
| Credit | Income/Employment | CRDINC2408 | Income verification does not meet guidelines | 2 |
| Credit | Income/Employment | CRDINC2488 | Verbal verification of employment missing | 3 |
| Credit | Income/Employment | CRDINC3204 | Income Documentation Missing | 1 |
| Credit | Income/Employment | CRDINC3260 | Balance Sheet missing for one or more Self Employed borrowers | 1 |
| Credit | Income/Employment | CRDINC888 | Income Amount is Unsupported by Documentation in File | 1 |
| Credit | Insurance | CRDINSR5351 | Insurance Effective date is greater than the transaction date | 4 |
| Credit | Assets | CRDAST115 | Cash reserves do not meet guidelines | 1 |
| Credit | Assets | CRDAST2670 | Asset documentation is insufficient per guideline requirements | 3 |
| Credit | Assets | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | 3 |
| Property Valuations | FEMA | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | 1 |
| Property Valuations | FEMA | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | 4 |
| Property Valuations | Property | PRVAPROP177 | Property Issues Indicated | 1 |
| Property Valuations | Property | PRVAPROP277 | Currently Listed for Sale | 1 |
| Property Valuations | Appraisal | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | 3 |
| Property Valuations | Appraisal | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | 1 |
| Property Valuations | Appraisal | PRVAAPPR3116 | Missing updated valuation | 5 |
| Compliance | Ability to Repay/Qualified Mortgage | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | 1 |
| Compliance | Right of Rescission | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | 10 |
| Compliance | Federal Consumer Protection | CMPFDCP847 | TILA - ARM Loan Program Disclosure after 3 days from application | 5 |
| Compliance | Federal Consumer Protection | CMPFDCP849 | TILA - Required ARM Loan Program Disclosure missing | 3 |
| Compliance | Documentation | CMPDOC3076 | Legal document was not executed or is incomplete | 1 |
| **Total** |  |  |  | **90** |
| <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. | <br>©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.8

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#### <br>

#### EXECUTIVE SUMMARY

#### DESCRIPTION OF SERVICES
(1) Type of assets that were reviewed.

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

(2) Sample size of the assets reviewed.

During the course of the securitization evaluation process, the Client may have removed loans that were reviewed by AMC from the securitization for reasons that were not disclosed to AMC. The final population of the Review covered 9 mortgage loans totaling an aggregate original principal balance of approximately $12.664 million.

(3) Determination of the sample size and computation.

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

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

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

---

| | | |
|:---|:---|:---|
| # of Units | Coborrower SSN | Original Loan Amount |
| Amortization Term | Contract Sales Price | Original LTV |
| Amortization Type | Decision System | Original Term |
| Borrower First Name | Has FTHB | PMI Coverage % |
| Borrower FTHB | Investor: Qualifying Total Debt Ratio | Property Type |
| Borrower Last Name | Lien Position | Purpose |
| Borrower Qualifying FICO | LTV Valuation Value | Refi Purpose |
| Borrower SSN | Mortgage Type | Representative FICO |
| City | Note Date | State |
| Coborrower First Name | Occupancy | Street |
| Coborrower Last Name | Original CLTV | Zip |
| Coborrower Qualifying FICO | Original Interest Rate |  |

---

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

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

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

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

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**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.

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

**Additional Review of Mortgage Loan File:** AMC also reviewed the closing documents to ensure that the mortgage loan file information is complete, accurate, and contains consistent documentation. Included in the portion of the review are

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items such as reviewing for (i) evidence of primary mortgage insurance, (ii) if the property is located in an area that was listed as a FEMA disaster zone post origination, (iii) the presence of loan modification documents, and (iv) general conformity to Fannie Mae or Freddie Mac approved formats at the time of origination.

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

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary

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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:

<br> a) <u>Rescission (§1026.23, §1026.15):</u>

<br> i) failure to provide the right of rescission notice;

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

<br> iii) errors in the right of rescission notice;

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

<br> 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

<br> 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.

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

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

<br> ii) proper execution by all required parties;

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

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

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

<br> i) failure to provide the applicable home equity initial and account opening disclosures

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

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

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

<br> 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.

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

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<br> i) points and fees threshold test;

<br> ii) APR threshold test;

<br> iii) prepayment penalty threshold test; and

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

<br> f) <u>Higher-priced Mortgage Loan (§1026.35):</u>

<br> i) APR threshold test; and

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

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

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

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

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

<sup>(1)</sup> 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;<br>

<br> h) <u>Homeownership counseling (§1026.36):</u>

<br> 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.

<br> i) <u>Mandatory Arbitration Clauses (§1026.36):</u>

<br> 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.

<br> j) <u>Prohibition on Financing Credit Insurance (§1026.36):</u>

<br> i) determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

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

<br> 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

<br> 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:

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

<br> i) confirm the presence of the current GFE form in effect at the time of origination;

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

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

<br> 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

<br> v) confirm the presence of a settlement service provider list, as applicable.

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

<br> i) confirm current applicable HUD form was provided;

<br> 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

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

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

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

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<br> 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

<br> 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.

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

<br> i) confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

<br> 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;

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

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

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

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

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

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

<br> 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):

<br> a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u>

<br> i) confirm the presence of LE for applications on or after October 3, 2015;

<br> 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;

<br> 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;

<br> 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.

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

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

<br> b) <u>Closing Disclosure (CD) (§§1026.19 and 38):</u>

<br> i) confirm the presence of CD for applications on or after October 3, 2015;

<br> 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;

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

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

<br> 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

<br> 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

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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.)<br>

<br> c) <u>Your Home Loan Toolkit (§1026.19):</u>

<br> 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

<br> 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:

<br> a) The general Ability to Repay (ATR) underwriting standards (12 C.F.R. 1026.43(c));

<br> b) Refinancing of non-standard mortgages (12 C.F.R. 1026.43(d));

<br> 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

<br> d) Balloon-payment qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

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

*<u>Qualified Mortgage</u>*

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<br> i) timing and content of the right to receive copy of appraisal disclosure;

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

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

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

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

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

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

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

(X) Recording Review

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

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

(XI) FIRREA Review

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

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

(XII) Document Review

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

<br> ◾ Initial application (1003);

<br> ◾ Underwriting summary / loan approval (1008);

<br> ◾ Credit report;

<br> ◾ Income and employment documentation;

<br> ◾ 4506T;

<br> ◾ Asset documentation;

<br> ◾ Sales contract;

<br> ◾ Hazard and/or flood insurance policies;

<br> ◾ Copy of note for any junior liens;

<br> ◾ Appraisal;

<br> ◾ Title/Preliminary Title;

<br> ◾ Final 1003;

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<br> ◾ Changed circumstance documentation;

<br> ◾ Right of Rescission Disclosure;

<br> ◾ Mortgage/Deed of Trust;

<br> ◾ Note;

<br> ◾ Mortgage Insurance;

<br> ◾ Tangible Net Benefit Disclosure;

<br> ◾ Subordination Agreement;

<br> ◾ FACTA disclosures;

<br> ◾ Notice of Special Flood Hazards;

<br> ◾ Initial and final GFE's;

<br> ◾ HUD from sale of previous residence;

<br> ◾ Final HUD-1;

<br> ◾ Initial TIL;

<br> ◾ Final TIL;

<br> ◾ Loan Estimates;

<br> ◾ Closing Disclosures; and

<br> ◾ Certain other disclosures related to the enumerated tests set forth herein.

(8) Other: review and methodology.

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

(9) Disclaimer.

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

Please be further advised that SitusAMC does not employ personnel who are licensed to practice law in the various jurisdictions covered in this Report, and the results set forth in this Report do not constitute legal advice or legal opinions whatsoever. The findings are recommendations or conclusions based on information provided to SitusAMC, and are not statements of fact or legal conclusions. Information contained in the Report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the Report based on certain factors, including the facts and circumstances of an individual mortgage loan. The authorities administering the Applicable Law that was part of the review have broad discretionary powers which may permit such authorities, among other things, to withdraw exemptions accorded by statute or regulation, to impose additional requirements or to reach a conclusion that is not consistent with the results set forth in the Report. All decisions as to whether to issue, purchase, hold, sell or otherwise transact in securities backed by the mortgage loans reviewed in this

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

#### OVERALL REVIEW RESULTS SUMMARY (9 Mortgage Loans)
There were 9 mortgage loans in the population reviewed by AMC. After all documents were presented, under the applicable NRSRO grading criteria, 6 (66.67%) had an Overall grade of "A", 2 (22.22%) had an Overall grade of "B", 1 (11.11%) loan had an Overall grade of "C", and 0 (0.00%) had an Overall grade of "D".

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| **Fitch and Kroll NRSRO Loan Grades (# Loans)** | **Fitch and Kroll NRSRO Loan Grades (# Loans)** | **Fitch and Kroll NRSRO Loan Grades (# Loans)** | **Fitch and Kroll NRSRO Loan Grades (# Loans)** | **Fitch and Kroll NRSRO Loan Grades (# Loans)** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 9 | 6 | 9 | 6 |
| B | 0 | 2 | 0 | 2 |
| C | 0 | 1 | 0 | 1 |
| D | 0 | 0 | 0 | 0 |
| **Total** | **9** | **9** | **9** | **9** |
| **Fitch and Kroll NRSRO Loan Grades (% Loans)** | **Fitch and Kroll NRSRO Loan Grades (% Loans)** | **Fitch and Kroll NRSRO Loan Grades (% Loans)** | **Fitch and Kroll NRSRO Loan Grades (% Loans)** | **Fitch and Kroll NRSRO Loan Grades (% Loans)** |
| **Final Loan Grade** | **Credit** | **Compliance** | **Property** | **Overall** |
| A | 100.00% | 66.67% | 100.00% | 66.67% |
| B | 0.00% | 22.22% | 0.00% | 22.22% |
| C | 0.00% | 11.11% | 0.00% | 11.11% |
| D | 0.00% | 0.00% | 0.00% | 0.00% |
| **Total** | **100.00%** | **100.00%** | **100.00%** | **100.00%** |

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#### REVIEW EXCEPTION SUMMARY (9 Mortgage Loans)
The summaries below detail the exceptions from the Compliance Review that would have resulted in a "B", "C", or "D" grade for a given mortgage loan. Please note that exception grades of EV1, EV2, and EV3 may not result in a corresponding "B", "C", or "D" grade per relevant rating agency guidelines due to considerations including statute of limitations and specific characteristics of ratings by a given NRSRO. Also note that some mortgage loans may have multiple exceptions and, as a result, may have an exception or multiple exceptions in any one exception category.

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| **Exception Type** | **Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | C | TILA | 1 |
| Compliance | C | ***Total Compliance Grade (C) Exceptions:*** | ***1*** |
|  | B | ATR/QM Defect | 3 |
|  | B | ECOA | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | ***4*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **5** |

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| **Total Credit Exceptions:** | **0** |
| **Total Property Exceptions:** | **0** |
| **Grand Total:** | **5** |

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#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the 9 mortgage loans reviewed, there were 13 different tape discrepancies across 8 data fields (no mortgage loans had more than one data delta). A blank or zero value on the data tape when an actual value was captured by AMC was treated as a data variance. The largest variances were found on Investor: Qualifying Total Debt Ratio and LTV Valuation Value. Investor: Qualifying Total Debt Ratio variances are the difference in the percentage of income dedicated toward making debt payments. These variances occur frequently due to differences in calculating complex incomes.

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| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance** | **# Of Loans** |
| # of Units | 0 | 8 | 0.00% | 9 |
| Amortization Term | 0 | 2 | 0.00% | 9 |
| Amortization Type | 0 | 9 | 0.00% | 9 |
| Borrower First Name | 0 | 8 | 0.00% | 9 |
| Borrower FTHB | 0 | 1 | 0.00% | 9 |
| Borrower Last Name | 0 | 8 | 0.00% | 9 |
| Borrower Qualifying FICO | 0 | 1 | 0.00% | 9 |
| Borrower SSN | 0 | 7 | 0.00% | 9 |
| City | 0 | 8 | 0.00% | 9 |
| Coborrower First Name | 0 | 4 | 0.00% | 9 |
| Coborrower Last Name | 0 | 4 | 0.00% | 9 |
| Coborrower Qualifying FICO | 0 | 1 | 0.00% | 9 |
| Coborrower SSN | 0 | 4 | 0.00% | 9 |
| Contract Sales Price | 0 | 6 | 0.00% | 9 |
| Decision System | 0 | 1 | 0.00% | 9 |
| Has FTHB | 1 | 7 | 14.29% | 9 |
| Investor: Qualifying Total Debt Ratio | 5 | 9 | 55.56% | 9 |
| Lien Position | 0 | 8 | 0.00% | 9 |
| LTV Valuation Value | 2 | 7 | 28.57% | 9 |
| Mortgage Type | 0 | 7 | 0.00% | 9 |
| Note Date | 1 | 1 | 100.00% | 9 |
| Occupancy | 0 | 9 | 0.00% | 9 |
| Original CLTV | 1 | 9 | 11.11% | 9 |
| Original Interest Rate | 1 | 8 | 12.50% | 9 |
| Original Loan Amount | 1 | 8 | 12.50% | 9 |
| Original LTV | 1 | 9 | 11.11% | 9 |
| Original Term | 0 | 7 | 0.00% | 9 |
| PMI Coverage % | 0 | 1 | 0.00% | 9 |
| Property Type | 0 | 9 | 0.00% | 9 |
| Purpose | 0 | 9 | 0.00% | 9 |
| Refi Purpose | 0 | 1 | 0.00% | 9 |
| Representative FICO | 0 | 8 | 0.00% | 9 |
| State | 0 | 8 | 0.00% | 9 |

---

12 \| P a g e

------

![](logo_amc.gif)

&nbsp;&nbsp;&nbsp;&nbsp;<br>

------

---

| | | | | |
|:---|:---|:---|:---|:---|
| Street | 0 | 8 | 0.00% | 9 |
| Zip | 0 | 9 | 0.00% | 9 |
| **Total** | **13** | **214** | **6.07%** | **9** |

---

#### ADDITIONAL SUMMARY
*Some % of Loans may not add to 100% due to rounding*

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Adjustable | 9 | 100.00% | $12664151.00 | 100.00% |
| **Total** | **9** | **100.00%** | **$12664151.00** | **100.00%** |
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 9 | 100.00% | $12664151.00 | 100.00% |
| **Total** | **9** | **100.00%** | **$12664151.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Other-than-first-time Home Purchase | 8 | 88.89% | $11124151.00 | 87.84% |
| Rate/Term Refinance - Borrower Initiated | 1 | 11.11% | $1540000.00 | 12.16% |
| **Total** | **9** | **100.00%** | **$12664151.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 9 | 100.00% | $12664151.00 | 100.00% |
| **Total** | **9** | **100.00%** | **$12664151.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 6 | 66.67% | $8212000.00 | 64.84% |
| PUD | 3 | 33.33% | $4452151.00 | 35.16% |
| **Total** | **9** | **100.00%** | **$12664151.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **% of Loans** | **% of Loans** |
| Primary | 6 | 66.67% | $8994151.00 | 71.02% |
| Second Home | 3 | 33.33% | $3670000.00 | 28.98% |
| **Total** | **9** | **100.00%** | **$12664151.00** | **100.00%** |

---

13 \| P a g e

## Exhibit 99.9

![](logo_situs.jpg)

#### Rating Agency Grades

#### Run Date - 2/26/2026 2:25:12 PM

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
| XXXX | 3564265229 | XXXX |  |  | A | C | A | C | A | C | A | C |  |
| XXXX | 4000095868 | XXXX |  |  | C | B | A | C | A | B | A | B |  |
| XXXX | 4000095413 | XXXX |  |  | C | A | A | C | A | A | A | A |  |
| XXXX | 4000090212 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 4000096569 | XXXX |  |  | A | A | A | A | A | A | A | A |  |
| XXXX | 352508SM118704 | XXXX |  |  | A | C | A | C | A | A | A | A |  |
| XXXX | 4000090640 | XXXX |  |  | C | C | A | C | A | B | A | B |  |
| XXXX | 4000100582 | XXXX |  |  | C | A | C | C | A | A | A | A |  |
| XXXX | 4000099465 | XXXX |  |  | A | A | A | A | A | A | A | A |  |

---

------

![](logo_situs.jpg)

#### Exception Grades

#### Run Date - 2/26/2026 2:25:12 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | 3564265229 | XXXX |  | 34170216 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Test | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within [redacted] of application. |  |  |  |  | Buyer Comment (2025-07-31): seller accepts; no change to grading<br>Reviewer Comment (2025-07-17): The disclosure being cited here is the ARM disclosure, not the [redacted] booklet. The ARM disclosure in the file was dated [redacted] which was the closing date. As this loan was an ARM from the app date on, please provide the ARM disclosure dated within [redacted]s of the application date, [redacted]. Exception remains.<br>Buyer Comment (2025-07-16): Please review the loan disclosure summary in your loan file on page [redacted]which confirms the clients received the [redacted] Booklet as of[redacted] which meets guidelines.<br>|  |  | 07/31/2025 | 3<br> C |  | XXXX | Primary | Purchase | No Defined Cure<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000095868 | XXXX |  | 35913879 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The business or personal tax returns provided are not the most recent. Application Date[redacted], Most Recent Tax Return End Date 1[redacted], Tax Return Due Date [redacted]. |  |  |  | Reviewer Comment (2025-11-10): Client elects to waive - The extensions for [redacted]returns are in file<br>Reviewer Comment (2025-11-10): Reopened<br>Reviewer Comment (2025-10-07): Accepted as is.<br>|  |  | 11/10/2025 | 2<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000095868 | XXXX |  | 35913880 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  | Reviewer Comment (2025-11-10): Client elects to waive - The extensions for [redacted]returns are in file<br>Reviewer Comment (2025-11-10): reopened<br>Reviewer Comment (2025-10-07): Accepted as is.<br>|  |  | 11/10/2025 | 2<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000095868 | XXXX |  | 35913881 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. | The business or personal tax returns provided are not the most recent. Application Date [redacted], Most Recent Tax Return End Date [redacted], Tax Return Due Date [redacted]. |  |  |  | Reviewer Comment (2025-11-10): Client elects to waive - The extensions for [redacted]returns are in file<br>Reviewer Comment (2025-11-10): Reopened<br>Reviewer Comment (2025-10-07): Accepted as is.<br>|  |  | 11/10/2025 | 2<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000095868 | XXXX |  | 35913884 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | The verification of employment is not within [redacted] of the Note. |  |  |  | Reviewer Comment (2025-10-17): Received, Clearing.<br>Seller Comment (2025-10-17): Comment from [redacted] ([redacted]): Final VOE<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000095868 | XXXX |  | 35913885 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [redacted]of the Note. | - | Verification of employment is not within [redacted] of the note date |  |  |  | Reviewer Comment (2025-10-17): Received, Clearing.<br>Seller Comment (2025-10-17): Comment from [redacted] ([redacted]): Final VOE<br>| 10/17/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000095413 | XXXX |  | 35913886 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | [redacted] property HOA document not provided in file |  |  |  | Reviewer Comment (2025-10-10): HOA doc provided. Cleared.<br>Seller Comment (2025-10-10): Comment from [redacted] ([redacted]): REO HOA<br>| 10/10/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 352508SM118704 | XXXX |  | 35913896 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | Appraisal Fee disclosed as $[redacted]on Initial LE and $[redacted]on Final CD. File does not contain a valid COC for this fee, sufficient cure was not provided in the file. |  |  |  | Reviewer Comment (2025-10-16): [redacted] received valid COC document<br>Buyer Comment (2025-10-14): LE and COC<br>| 10/16/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000090640 | XXXX |  | 35913899 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Tax verification document is missing for the property address [redacted] |  |  |  | Reviewer Comment (2025-11-06): Clearing.<br>Buyer Comment (2025-11-05): Comment from [redacted] ([redacted]): This property is part of a coop. Taxes are included in HOA. Please cleare<br>| 11/06/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000090640 | XXXX |  | 35913900 |  | 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[redacted] prior to consummation. | Creditor did not provide a copy of each valuation to applicant [redacted] prior to consummation. |  |  |  | Reviewer Comment (2025-11-03): Accepted as is.<br>|  |  | 11/03/2025 | 2<br> B |  | XXXX | Second Home | Purchase | C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000090640 | XXXX |  | 35913902 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID [redacted]Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: [redacted]Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[redacted]exceeds tolerance of $[redacted]. $[redacted]over legal limit. Insufficient or no cure was provided to the borrower. | No Cure provided |  |  |  | Reviewer Comment (2025-11-14): [redacted] received corrected PCCD and LOE<br>Seller Comment (2025-11-13): Comment from [redacted]([redacted]): Please see attached<br>Reviewer Comment (2025-11-09): [redacted] received corrected Closing disclosure to remove transfer taxes and increased the recording fee. Moreover, the LOE to borrower was not located in trailing documents. Please provide LOE to borrower and Final SS to verify the specific fees are applied to the same to complete remediation.<br>Seller Comment (2025-11-06): Comment from [redacted] ([redacted]): On this loan, [redacted] recording fee was shown as transfer tax in error, now it's corrected. Please find attached the updated CD.<br>| 11/14/2025 |  |  | 1<br> C<br> A |  | XXXX | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br> C<br> B<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000100582 | XXXX |  | 35913905 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - ARM not provided |  | The file was missing a copy of Rider - ARM. |  |  |  | Reviewer Comment (2025-11-12): Received Rider - ARM. Exception cleared.<br>Seller Comment (2025-11-12): Comment from [redacted]([redacted]): Please see attached. Thank you.<br>| 11/12/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| XXXX | 4000100582 | XXXX |  | 35913906 |  | Property | Guideline | Guideline Issue | Guideline | No secondary valuation was provided. |  | CDA is required by the guidelines. |  |  |  | Reviewer Comment (2025-11-13): Received, Clearing.<br>Seller Comment (2025-11-12): Comment from [redacted] ([redacted]): Please see attached.<br>| 11/13/2025 |  |  | 1<br> C<br> A |  | XXXX | Primary | Purchase | C<br> A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |

---

------

![](logo_situs.jpg)

#### Valuation Report

#### Run Date - 2/26/2026 2:25:12 PM

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan 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 | 3564265229 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
| XXXX | 4000095868 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.50 |
| XXXX | 4000095413 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| XXXX | 4000090212 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| XXXX | 4000096569 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.10 |
| XXXX | 352508SM118704 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| XXXX | 4000090640 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 2.60 |
| XXXX | 4000100582 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 2.90 |
| XXXX | 4000099465 | XXXX |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.00 | 4.20 |

---

------

![](logo_situs.jpg)

#### Supplemental Data

#### Run Date - 2/26/2026 2:25:12 PM

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| **SitusAMC Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** |
| xxxx | 3564265229 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx |  |  | xxxx | xxxx |  | xxxx | xxxx | 1.4 | DU |  | ApproveIneligible | N/A | No | xxxx | 2 | 2 | 0 | 0 | 3 | 3 |  |  | xxxx | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | xxxx | xxxx | xxxx | No | 28 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 4000095868 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Paystubs - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 2.5 | LP / LPA |  | Accept/Ineligible | No | No | xxxx | 2 |  | 1 | 0 | 2 | 1 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 4000095413 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 1.0 | DU |  | ApproveIneligible | Yes | No | xxxx | 2 | 2 | 2 | 0 | 2 | 2 |  |  |  | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  | 32 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 4000090212 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx |  | DU |  | ApproveIneligible | No | No | xxxx | 0 | 0 | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 |
| xxxx | 4000096569 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 2.1 | DU |  | ApproveIneligible | Yes | No | xxxx | 1 | 3 | 1 | 0 | 3 | 1 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx |  | No | 20 | 33 |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | No | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 352508SM118704 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 5.0 | DU |  | ApproveIneligible | N/A | No | xxxx | 0 |  | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |
| xxxx | 4000090640 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; Tax Return Extension - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 2.6 | DU |  | ApproveIneligible | Yes | No | xxxx | 2 |  | 2 | 0 | 3 | 2 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 32 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5.0 | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx |  | No | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 5 |
| xxxx | 4000100582 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 2.9 | DU |  | ApproveIneligible | Yes | No | xxxx | 3 |  | 2 | 0 | 2 | 2 |  |  | xxxx | No |  |  |  |  |  | Not Stated |  |  |  | xxxx | xxxx | xxxx | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 |
| xxxx | 4000099465 | xxxx |  | xxxx |  |  |  | Yes | No | xxxx | xxxx |  | xxxx | xxxx | xxxx | xxxx | No | No | xxxx | xxxx |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxx | xxxx | xxxx | xxxx |  | xxxx | xxxx |  | xxxx | xxxx | 4.2 | LP / LPA |  | Accept/Ineligible | No | No | xxxx | 2 | 0 | 0 | 0 | 3 | 0 |  |  | xxxx | No |  |  |  |  | 240 | Not Stated |  |  |  | xxxx | xxxx | xxxx | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | xxxx |  | Yes | No |  | xxxx | xxxx |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 1 |

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![](logo_situs.jpg)

#### ASF

#### Run Date - 2/26/2026 2:25:13 PM

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

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## Exhibit 99.10

![](logo_ca.jpg)

#### EXECUTIVE SUMMARY<br> THIRD PARTY DUE DILIGENCE REVIEW

#### Overview
Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by Redwood Residential Acquisition Corporation. The review included a total of 208 newly originated residential mortgage loans, in connection with the securitization identified as SEMT 2026-HYB1 (the "Securitization"). The Review was conducted from October 2025 through January 2026 on mortgage loans originated between June 2025 and January 2026.

#### Scope of Review

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

The Credit Review attempted to confirm the following:

<br> a. QM or ATR Validation / Review of 8 Key Underwriting Factors

<br> i. Income / Assets

<br> • Validate borrower(s) monthly gross income

<br> • Validate funds required to close, required reserves

<br> • Review file documentation for required level of income and asset verifications

<br> ii. Employment Status

<br> • Review file documentation for required level of employment

<br> iii. Monthly Mortgage Payment

<br> • Confirm program, qualifying rate, terms

<br> iv. Simultaneous Loans

<br> • Validate all concurrent loans are included in the DTI to properly assess the ability to repay

<br> v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

<br> • Validate subject loan monthly payment (PITI) and associated obligations

<br> vi. Debts / Obligations

<br> • Validate monthly recurring liabilities

<br> vii. DTI and/or Residual Income

<br> • Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

<br> • Documentation meets Appendix Q requirements for QM Loans

<br> viii. Credit History

<br> • Review credit report for credit history and required credit depth including any / all inquiries

<br> • Determine representative credit score from credit report

<br> b. Validate loan-to-value (LTV) and combined loan-to-value

<br> c. Review borrower's occupancy

<br> d. Validation through third party resource of the subject properties most recent twelve (12) month sales history

------

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

<br> f. Confirm that Final 1003 is sufficiently completed

<br> g. Provide Audit 1008 with accurate data based on file documentation

<br> h. Confirm Loan Approval conditions were met

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

<br> j. General QM for any loans originated under the GQM Rule

<br> i. Pricing Thresholds:

<br> a. Pricing for First Lien Loans:

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

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

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

<br> b. Pricing for Subordinate Lien Loans:

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

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

<br> c. Pricing for Manufactured Homes:

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

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

<br> ii. Consider Income and Assets:

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

<br> o The consumer's debt obligations, alimony, child support; and

<br> o The monthly DTI or residual income.

<br> iii. Verification of Income and Assets:

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

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

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

------

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

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

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

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

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

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

<br> a. Test Loan Estimate(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> b. Test Closing Disclosure(s) for accuracy and completeness as well as timing requirements as required by TRID Regulations

<br> c. Tolerance Testing

<br> i. Compare Loan Estimate and Closing Disclosures

<br> ii. Identify Tolerance Violations and applicable cost to cure

<br> d. Comprehensive review of Closing Disclosure to determine transaction accuracy

<br> e. Recalculation of APR and Finance Charge

<br> f. Testing of:

<br> i. Federal High-Cost Mortgage provisions

<br> ii. Federal Higher Priced Mortgage Loans provisions

<br> iii. Local and/or State Anti-predatory and HighCost provisions

<br> iv. HOEPA Points and Fees

<br> g. Determine whether specified federal disclosures were provided timely based upon comparison of the application date to the dates on such disclosures

<br> i. Service Provider List

<br> ii. Home Ownership Counselling Disclosure

<br> iii. ARM Disclosure

<br> h. Compliance with QM as it relates to:

<br> i. APR Test

<br> ii. Points & Fees Test

<br> iii. Prepayment Penalty Test

<br> iv. Product Eligibility Testing

<br> i. Notice of Right to Cancel (Rescission) Review

<br> i. Confirm transaction date, expiration date, and disbursement date

<br> ii. Confirm document is properly executed by all required parties to the transaction

<br> iii. Confirm the correct Right of Rescission document was executed for the transaction type

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<br> j. Confirm through NMLS the loan originator and originating firm's license status was active and properly disclosed on appropriate loan documents

<br> k. Check the Loan participants against the exclusionary list provided by Client or by the purchaser of the Loan(s)

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

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

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

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

<br> b. Review appraisal, determination that property is completely constructed and appraisal is on an "as is basis," or property is identified as not completely constructed by originating appraiser.

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

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

<br> e. Review adjustments (line item, net and gross adjustments) to ensure they are reasonable.

<br> f. Ensure that the appraisal conforms to the guidelines provided from the Client.

<br> g. Review appraisal to ensure all required documents were included.

<br> h. Review location map provided within the appraisal for external obsolescence.

<br> i. Ensure highest and best use and zoning complies with guidelines.

<br> j. Confirm there are no marketability issues that affect the subject property.

<br> k. Ensure subject property does not suffer any functional obsolescence.

<br> l. Where applicable, determine if the file did not contain the appraisal or other valuation method and a review could not be performed.

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

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

------

For loans reviewed in a post-close valuation review scenario (208 loans in total):

Three (3) loans had a Secondary Appraisal, two (2) loans had an AVM, and one hundred thirty-four (134) loans had a Desktop Review.

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

One (1) loan had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review.

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

#### TAPE INTEGRITY REVIEW RESULTS SUMMARY
Of the two-hundred eight (208) mortgage loans reviewed, fifty-nine (59) unique mortgage loans (28.37% by loan count) had a total of seventy-nine (79) discrepancies across seventeen (17) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Total Qualified Assets Post-Close | 46 | 58.23% |
| Loan Purpose | 9 | 11.39% |
| Total Closing Costs | 6 | 7.59% |
| Borrower 1 FTHB | 3 | 3.80% |
| Borrower 1 Self-Employment Flag | 2 | 2.53% |
| Primary Appraised Property Value | 2 | 2.53% |
| Borrower 3 Qualifying Income | 1 | 1.27% |
| Interest Only Flag | 1 | 1.27% |
| Cash out Include Debt Paid at Close | 1 | 1.27% |
| Borrower 1 SSN | 1 | 1.27% |
| Borrower 2 Citizen | 1 | 1.27% |
| Subject Property Type | 1 | 1.27% |
| Borrower 1 First Name | 1 | 1.27% |
| Borrower 1 Last Name | 1 | 1.27% |
| Borrower 1 Citizen | 1 | 1.27% |
| Borrower 2 Origination FICO | 1 | 1.27% |
| Borrower 2 SSN | 1 | 1.27% |
| **Grand Total** | **79** | **100.00%** |

---

------

#### Summary of Results

#### OVERALL RESULTS SUMMARY

#### Final Loan Grades

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| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** |  |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 185 | $246961258.00 | 88.94% |
| Event Grade B | 22 | $28232190.00 | 10.58% |
| Event Grade C | 1 | $1028000.00 | 0.48% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 208 | $276221448.00 | 100.00% |
| **Credit Results:** | **Credit Results:** | **Credit Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 207 | 99.52% |  |
| Event Grade B | 1 | 0.48% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 208 | 100.00% |  |
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |  |
| Event Grade | Loan Count | Percent of Sample |  |
| Event Grade A | 186 | 89.42% |  |
| Event Grade B | 21 | 10.10% |  |
| Event Grade C | 0 | 0% |  |
| Event Grade D | 0 | 0% |  |
| **Total Sample** | 208 | 100.00% |  |

---

------

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 208 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 208 | 100.00% |

---

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

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| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 108 |
| Credit | A | HMDA Data Tape Not Provided | 77 |
| Credit | A | Borrower 1 Credit Report is Incomplete | 14 |
| Credit | A | AUS Partially Provided | 7 |
| Credit | A | Borrower 1 3rd Party VOE Prior to Close Missing | 7 |
| Credit | A | The Total Hazard Coverage is LESS than the Required Coverage Amount | 6 |
| Credit | A | Title Coverage is Less than Subject Lien | 5 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 4 |
| Credit | A | Audited DTI Exceeds AUS DTI | 4 |
| Credit | A | Income and Employment Do Not Meet Guidelines | 3 |
| Credit | A | Audited DTI Exceeds Guideline DTI | 3 |
| Credit | A | The Final 1003 is Missing | 3 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 2 |
| Credit | A | Borrower 1 W2/1099 Missing | 2 |
| Credit | A | Assets do not meet guideline requirements | 2 |
| Credit | A | Borrower 1 Executed 4506-T Missing | 2 |

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| | | | |
|:---|:---|:---|:---|
| | | Borrower 2 Photo Identification not provided | 2 |
| | | Audited LTV Exceeds AUS LTV | 2 |
| | | Purchase Contract is Incomplete | 1 |
| | | Borrower 1 Paystubs Missing | 1 |
| | | Condo Rider is Missing | 1 |
| | | Hazard Insurance Policy is Partial | 1 |
| | | Other Property Insurance Policy Missing | 1 |
| | | Verification of Borrower Liabilities Missing or Incomplete | 1 |
| | | The Deed of Trust is Missing | 1 |
| | | Title Document Missing | 1 |
| | | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| | | Income 8 Months Income Verified is Missing | 1 |
| | | Borrower 2 W2/1099 Missing | 1 |
| | | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | 1 |
| | | Purchase Contract does not Match Final CD | 1 |
| | | Borrower 2 Executed 4506-T Missing | 1 |
| | | Second Home Rider is Missing | 1 |
| | | Missing Letter of Explanation (Income) | 1 |
| | | The Final 1003 is Incomplete | 1 |
| | | Missing required ARM Rider | 1 |
| | | The Initial 1003 is Missing | 1 |
| | | Missing US Patriot Act Disclosure or ID | 1 |
| | | Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| | | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 1 |
| | | Missing income documentation | 1 |
| | | Asset Qualification Does Not Meet Guideline Requirements | 1 |
| | | Housing History Does Not Meet Guideline Requirements | 1 |
|  |  | ***Total Credit Grade (A) Exceptions:*** | ***278*** |
|  | B | Title Coverage is Less than Subject Lien | 1 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | ***1*** |
| Compliance | A | No Compliance Findings | 98 |
| Compliance | A | Charges That Cannot Increase Test | 14 |
| Compliance | A | Charges That In Total Cannot Increase More Than 10% Test | 11 |
| Compliance | A | ARM Disclosure Not Provided Within 3 Days of Application Date | 11 |
| Compliance | A | Initial Loan Estimate Delivery Date Test (from application) | 10 |
| Compliance | A | eSigned Documents Consent is Missing | 9 |
| Compliance | A | Final CD: Loan Disclosures Assumption incomplete or inaccurate | 7 |

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| | | | |
|:---|:---|:---|:---|
| | | CHARM Booklet is Missing | 6 |
| | | Revised Loan Estimate Delivery Date Test (prior to consummation) | 6 |
| | | ARM Disclosure is Missing | 5 |
| | | Missing Required Affiliated Business Disclosure | 4 |
| | | Lender Credits That Cannot Decrease Test | 3 |
| | | RESPA Homeownership Counseling Organizations Disclosure Date Test | 3 |
| | | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 2 |
| | | TILA Right of Rescission Test | 2 |
| | | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | 1 |
| | | Right of Rescission is Missing | 1 |
| | | TRID: Missing Closing Disclosure | 1 |
| | | Initial Closing Disclosure Delivery Date Test | 1 |
| | | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | 1 |
| | | Initial Loan Estimate Delivery Date Test (prior to consummation) | 1 |
|  |  | ***Total Compliance Grade (A) Exceptions:*** | ***197*** |
|  | B | Charges That Cannot Increase Test | 11 |
|  | B | Lender Credits That Cannot Decrease Test | 4 |
|  | B | Charges That In Total Cannot Increase More Than 10% Test | 4 |
|  | B | Qualified Mortgage Safe Harbor Threshold | 1 |
|  | B | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | 1 |
|  | B | ***Total Compliance Grade (B) Exceptions:*** | ***21*** |
|  | C | ARM Disclosure Not Provided Within 3 Days of Application Date | 1 |
|  | C | ***Total Compliance Grade (C) Exceptions:*** | ***1*** |
| Property | A | No Property Findings | 128 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 5 |
| Property | A | Condo Approval Missing | 1 |
| Property | A | The appraiser was not licensed (Primary Value) | 1 |
| Property | A | Unsupported adjustments or comps | 1 |
| Property | A | Appraisal is Expired | 1 |
| Property | A | Property/Appraisal General | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | ***138*** |

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#### Event Grade Definitions

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

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---

| | |
|:---|:---|
| **Credit Event Grades** | **Credit Event Grades** |
| A | The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| B | The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| C | The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are 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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| | |
|:---|:---|
| **Compliance Event Grades** | **Compliance Event Grades** |
| A | The loan is in compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. |
| B | The loan is in material compliance with all applicable laws and regulations. The legal documents accurately reflect the agreed upon loan terms and are executed by all applicable parties. Client review required. |
| C | The loan violates one material law or regulation. The material disclosures are absent or the legal documents do not accurately reflect the agreed upon loan terms or all required applicants did not execute the documents. |
| D | There was not sufficient documentation to perform a review or the required legal documents were not furnished. |

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

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## Exhibit 99.11

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| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 400000207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% XXX DTI exception. Maximum DTI is XXX%. This loan is XXX it is due to omission of supplemental taxes, per title report, which have to be included.. FYI Letter in file regarding B2 XXX is going to full time in XXX. Perhaps you can confirm and get paystubs to cover the DTI issue. Additional conditions may apply XXX XXX DU approval requires a rerun of DU-under Risk Eligibility #XXX stating missing minimum payments to accurately calculate DTI. Additional conditions may apply. | Additional income has been utilized. Revised 1003/XXX and AUS uploaded.; Can you please provide your full DTI calculation?; Please see employer email regarding borrowers employment and XXX XXX paystubs. | 08/08/2025 | Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audit reviewed Lender's response, re-calculated base income for Borrower XXX and base and tip income for Borrower 1 and has determined the additional income calculated by Lender is supported. Audit total debt XXX / XXX audit re-calculated income = XXX%. Audit re-calculated DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.; Lender provided updated AUS, 1008 and 1003. Audit DTI remains as XXX% which exceeds client maximum of XXX%. Condition retained.; Lender provided a LOE and pay stubs dated post closing, which cannot be used for qualification on the subject transaction. Audit did find additional Tip income for Borrower 2 of XXX per month, which was not included in the original review. Audit re-calculated DTI is XXX% which exceeds client overlay maximum DTI of XXX%. Condition retained.; Audited DTI of XXX% exceeds AUS DTI of XXX% | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/22/2025 | Resolved | FCOM1268 | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. Documentation required to clear exception: Missing ARM disclsoure within XXX days of application date XX/XX/XXXX. | ARM Disclosure | 07/24/2025 | Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or Not Applicable | 08/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000207 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 07/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 07/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing proof of Final CD or other document to confirm sale of property at XXX, confirmation of proceeds of XXX and confirmation that both XXX loans were paid off. Only one shows paid off on the Credit supplement in file. there is a letter explaining an issue with a fraudulent mechanics lien against the property that has to be resolved before disbursing funds. Funds are needed for both closing and reserves. Assets verified in the file don't meet short to close and short reserve requirements. | ALTA | 10/22/2025 | Lender provided final settlement Statement for sale of property XXX reflecting proceeds of $XXX. Condition cleared.; Funds are found to meet guidelines. | 10/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | see page XXX | 10/08/2025 | Condition cleared as we have received the missing e-consent. ; Evidence of eConsent is provided.; Material Finding; Material Finding | 10/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title with a minimum of XXX in coverage. | title | 10/08/2025 | Condition cleared as we have received the updated title report. ; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding; Material Finding | 10/14/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000195 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/01/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 09/30/2025 | Rescinded | finding-47 | Compliance | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Right to cancel was signed by the borrower on XX/XX/XXXX however the expiration of the right to cancel is blank. Disbursement occurred on XX/XX/XXXX, per Final CD Therefore, borrower did not receive XXX days to cancel. In order to cure rescission needs to be re-opened and a PCCD, LOE, and proof of delivery is required or provide proof of date of disbursement. In addition, provide copy of completed RTC, signed by borrowers. | This is a Construction to XXX REFI and there is no recission | 10/06/2025 | Audit reviewed Lender's response and has determined the subject transaction is a construction to permanent loan, which is not subject to RTC. Condition rescinded. | 10/08/2025 | C<br> A |
| 400000205 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/01/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.69% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.69% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/02/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) For the XXX of XXX: Please provide an executed copy of the final closing Statement reflecting the payoff of XXX HELOC in the amount of XXX and net cash out proceeds $XXX. Also, please provide HELOC closeout and future draws letter. XXX) New financing: Please provide a copy of Note in the amount of XXX and a payment XXX per month. Additional conditions may apply. | evidence that the HELOC was satisfied and recorded… his means the account is gone; CD, Note, Payoff; REO | 10/23/2025 | Lender provided verification of satisfaction an release of HELOC. Condition cleared.; Borrower 1 Credit Report is not partially present.; Lender provided copy of Note verifying PI, final CD for property XXX verifying PITIA and payoff of the XXX HELOC with proceeds of $XXX; however, did not provide verification of HELOC closure to future draws. Condition retained.; Borrower 1 Credit Report is Partially Present. XXX) For the XXX of XXX: Please provide an executed copy of the final closing Statement reflecting the payoff of XXX HELOC in the amount XXX and net cash out proceeds $XXX. Also, please provide HELOC closeout and future draws letter. XXX) New financing: Please provide a copy of Note in the amount XXX and a payment XXX per month. Additional conditions may apply. | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.45% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.45% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000194 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 10/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 34.45% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.45% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal fee on revised LE XX/XX/XXXX. COC in file States appraisal fee update to match invoice which is not a valid reason for the increase and is dated XX/XX/XXXX which is not within XXX days of the increase. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | check, PCCD LOE Fedex | 10/24/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.38% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline LTV of 80%<br> D<br> B<br> C<br> A |
| 400000186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | FCOM1268 | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. Please provide ARM Disclosure within XXX days of application date XX/XX/XXXX. | adjustable rate | 10/13/2025 | Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or Not Applicable | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.38% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline LTV of 80%<br> D<br> B<br> A<br> C |
| 400000186 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.38% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.38% is less than Guideline LTV of 80%<br> D<br> B<br> C<br> A |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. CDA shows a XXX Score. Please provide a XXX drive by appraisal. Additional conditions may apply. | FIELD REVIEW | 10/15/2025 | Lender provided Appraisal Field Review Report supporting appraisal value. Condition cleared.; Third party valuation product provided within tolerance. | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The declaration page has total coverage of XXX and the loan amount is XXX Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply. | RCE LOX with agent endorsement and email ; RCE | 10/27/2025 | Lender provided email correspondence from XXX and endorsement XXX documentation, that reflects the endorsement includes XXX% increased coverage of dwelling A. The insurance includes endorsement XXX The total insurance coverage is XXX x XXX% = XXX total coverage, which is sufficient to cover the replacement cost value of $XXX. Condition cleared.; Finding remains. Please submit correspondence from hazard insurer verifying sufficient coverage for the property. Lender provided replacement cost estimator reflecting replacement cost estimate of $XXX. The hazard insurance coverage of XXX is not sufficient to cover the replacement cost estimate of $XXX. Condition retained.; Lender provided replacement cost estimator reflecting replacement cost estimate of $XXX. The hazard insurance coverage of XXX is not sufficient to cover the replacement cost estimate of $XXX. Condition retained.; The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) File is missing a signed and dated closure letter, showing HELOC is closed to future draws. XXX) Summer Rental/Lease in the amount of XXX and a balance of XXX listed on the Final 1003. Please provide the terms and conditions. Additional conditions may apply. | HELOC LTR ; LEASE AGREEMENT LOX ; lease lox | 10/23/2025 | Lender provided verification of HELOC closure letter. Condition cleared.; Borrower 1 Credit Report is not partially present.; The finding remains, please provide documentation to verify the HELOC has been closed and no further draws are allowed.; Lender provided LOE for rental debt of XXX per month which is temporary rent in the summer when Borrower rents out their primary residence and in the summer. Lender was most conservative and added the debt into the total debt obligations. Please provide documentation to verify the HELOC has been closed and no further draws are allowed. Condition retained. | 10/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from $xx x to XXX Settlement fees. The loan failed the initial LE delivery date test therefore, baseline starts at XXX and does not reset. The violation can be cure by showing evidence the borrower received the initial LE within XXX business days of the application date, XX/XX/XXXX. | SERVICE PROVIDER LIST ; INTIIAL LE XX/XX/XXXX | 10/15/2025 | Lender provided initial WLSP. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Lender provided the initial LE; however, did not provide the initial WLSP to verify if Borrower shopped for their own service provider. Please provide valid COC for increase in the Lender's Title Insurance Fee from XXX on initial XXX to XXX on the final CD and the added Title Closing Protection Fee from XXX on the initial XXX to XXX on the final CD. The fees were included in the zero tolerance category due to the initial WLSP not provided. Condition retained.; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).; Escalated to compliance. | 10/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | finding-3837 | Compliance | Initial Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the initial loan estimate delivery date test (prior to consummation) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(B) he initial loan estimate delivery date is less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orThe initial loan estimate delivery date is on or after consummation of the transaction herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(XXX)(i) (provision of loan estimate form) not later than the seventh business day before consummation of the transaction. Showing evidence that the borrower received the initial LE XXX business days prior to consummation, XX/XX/XXXX, may cure the violation. | INTIAL LE XX/XX/XXXX | 10/10/2025 | Lender provided initial XXX. Condition cleared.; Lender provided initial XXX. Condition cleared.; Escalated to compliance. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD. | updated CD | 10/14/2025 | Lender provided PCCD reflecting correction on page XXX for will not allow assumption. Condition cleared. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the mortgage recording fee. The loan failed the initial LE delivery date test therefore, baseline starts at XXX and does not reset. The violation can be cure by showing evidence the borrower received the initial LE within XXX business days of the application date, XX/XX/XXXX. | INITIAL LE XX/XX/XXXX | 10/10/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined the XXX% fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined the XXX% fees are within tolerance. Condition cleared.; Escalated to compliance. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/07/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Showing evidence that the initial LE was received by the borrower within XXX business days of application, XX/XX/XXXX, may cure the violation. | INITIAL LE XX/XX/XXXX | 10/10/2025 | Lender provided initial XXX. Condition cleared.; Lender provided initial XXX. Condition cleared.; Escalated to compliance. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing File is missing a signed XXX for the business XXX. | 4506C BUSINESS | 10/13/2025 | Lender provided XXX-C for XXX. Condition cleared.; Borrower 1 Executed XXX-T Provided | 10/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000203 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 75% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 75%<br> D<br> A<br> C |
| 400000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fees additions/increases: - The Lender's Title Insurance (payable to the Lender's Service Provider) increased from XXX to XXX on the revised LE, dated XX/XX/XXXX. - A Closing Protection Letter (payable to the Lender's Service Provider) of XXX was added on the initial CD, dated XX/XX/XXXX. The file does not contain a valid COC for the additions/increases of these fees. | refund check ; LOX/PCCD/Shipping pending refund check $XXX; Clerical LOX/PCCD balanced to final settlement Statement | 11/03/2025 | Cured post close. This will remain a non material B grade. Received lender cure for overage of fees. ; Lender provided LOE, PCCD and proof of delivery; however, did not provide copy of refund check. Condition retained.; Lender provided LOE and PCCD for clerical error for title fees and recording fee reflected in section B. The Title - Lender's Title Insurance fee changed from section C to section B, a Title - Closing Protection Letter fee of XXX was added to section B and recording fees changed to $XXX. The initial XXX XXX% tolerance fees for Title - Lender's Title Insurance fee of XXX and recording fee of XXX = XXX x XXX% for total XXX% tolerance fees of $XXX. The final Title fees on the PCCD are XXX which included the Title - Lender's Title Insurance fee of XXX the added Title - Closing Protection letter fee of XXX and recording fee of $XXX. The final XXX% tolerance fees of XXX exceed the XXX% disclosed tolerance fees of XXX by $XXX. Please provide LOE, PCCD, copy of refund check and proof of delivery or provide valid COC for increase in Title - Closing Protection Letter fee from XXX on initial XXX to XXX on PCCD. Condition retained.; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 400000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The AUS gave an approve/ineligible recommendation, due to a valid XXX ARM plan has not been provided to DU. A resubmission is required. | DU; AUS | 11/03/2025 | Condition cleared as we have received updated AUS with ARM plan. ; AUS is not incomplete; Lender provided updated AUS; however, the AUS reflects a valid XXX Arm plan has not been provided to DU. Please provide updated AUS reflecting valid ARM information. Condition retained. | 11/05/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> A<br> C |
| 400000199 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/08/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> B<br> C<br> A |
| 400000200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for Lender Title insurance and from XXX to XXX for Title Endorsement Fee. Initial increase was on CD dated XX/XX/XXXX and there is a COC in file dated XX/XX/XXXX however on States changes to settlement charges and does not provide a reason for the increases. The title endorsement fee was additional increase on the final CD XX/XX/XXXX without a COC. | XX/XX/XXXX COC ; Corrected PCCD with FSS; Rebut for adding Title Policy Adjustment and retest | 10/21/2025 | Lender provided valid COC for increase in title fees, a PCCD and final settlement Statement reflecting correction of fees. The valid COC was due to title company outsourcing the Lender's Title Insurance and Title Endorsements to another title company which increased the XXX fees. Condition cleared.; Audit reviewed Lender's response; however, the rebuttal indicating a change in title company is not supported to validate the COC for increase in title fees. Please provide title invoice or other documentation to support the COC for increase in title fees. Condition retained.; Finding remains as we have received a PCCD with changes made to the title fees in question. We have not received the complete cure package consisting of copy of cure check, evidence of mailing to the borrower, LOX and PCCD with cure reflected on page XXX Or please supply the missing valid COC for the fee increases. Lowering the fee on a PCCD alone will not cure the issue. ; Audit reviewed Lender's response and has determined an adjustment on page XXX of the CD cannot be included in testing. Page XXX of the CD does not reflect a Lender credit for the increase in fees. Please provide a valid COC or sufficient cure of increase in XXX to XXX for Lender Title insurance and from XXX to XXX for Title Endorsement Fee. Condition retained. | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/10/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consented to electronic delivery on or before XX/XX/XXXX. | E consent | 10/13/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consented to electronic delivery on or before XX/XX/XXXX. | 10/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000200 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 10/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000184 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 10/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 39.53% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 39.53% is less than Guideline CLTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000204 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000182 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/21/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.68% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.68% is less than Guideline LTV of 80%<br> C<br> A |
| 400000196 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | see report | 10/25/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; Lender provided the XXX report. The HMDA review will be completed by DD firm. Condition retained. | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Please provide corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD. | PC CD | 10/17/2025 | ; Condition cleared as we have received the updated CD. | 10/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided A valid XXX ARM plan has not been provided to DU Item # XXX on AUS. A resubmission is required. | AUS | 10/17/2025 | Condition cleared as we have received the updated AUS from the lender. ; AUS is not incomplete | 10/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required: provide documentation to show the borrower received the initial LE at least XXX business days after application date | ILE | 10/16/2025 | Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date.  | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Please provide the missing initial LE dated within XXX days of the application date XX/XX/XXXX. | ILE | 10/16/2025 | Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date. ; Condition cleared as we have received the missing Initial XXX from the lender within XXX days of the application date.  | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Please provide the missing initial LE and Written List of Service Providers within XXX days of the application date for compliance testing. | ILE and SSPL | 10/16/2025 | Condition cleared as we have received the missing Initial XXX and SSPL from the lender within XXX days of the application date.  | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | FCRE9785 | Credit | Purchase Contract is Incomplete | XXX is XXX but XXX Contract Doc is Incomplete Missing XXX Contract Addendum reflecting the new XXX price of XXX Per XXX contract, the sales price is XXX | Purchase Contract XXX | 10/16/2025 | Condition cleared as we have received the contract addendum with correct purchase price. ; Purchase Contract Doc is complete. | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> B<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/16/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | The policy has specified additional amount of insurance for coverage A listed in Additional Coverages | 10/16/2025 | Condition cleared as we have received evidence of hazard coverage. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000177 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/14/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Missing proof Arm disclosure sent within XXX days of Application date XX/XX/XXXX | NOLC change from FIX to ARM on XX/XX/XXXX | 10/16/2025 | Condition cleared as we have received evidence of ARM disclosure within XXX days fo change to ARM loan. ; ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 10/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.85% is less than Guideline LTV of 80% Calculated LTV of 57.85% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.85% is less than Guideline CLTV of 80% Calculated CLTV of 57.85% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Attached | 10/30/2025 | Lender provided title reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 11/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.17% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.17% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000187 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.17% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.17% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided A valid XXX ARM plan has not been provided to DU. A resubmission is required. | AUS | 10/29/2025 | Lender provided updated AUS reflecting ARM information. Condition cleared.; AUS is not incomplete | 10/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> B |
| 400000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Per AUS, XXX #XXX was excluded from the DTI, due to paid by the business. Per auto lease, the first payment is due on XX/XX/XXXX, however XXX payment was not verified in business bank Statement. Please provide evidence that the business paid XXX XXX payment. Note: XXX XXX to XXX XXX payments were verified from business account #XXX. | LOX | 10/27/2025 | Condition cleared as we have received evidence of business making the first payment for lease. ; Borrower 1 Credit Report is not partially present. | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 400000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required. 1st e-signed document in the file is dated XX/XX/XXXX, however missing proof of e-consent dated XX/XX/XXXX or before. | econsent | 10/27/2025 | Condition resolved as we have received the missing E-Consent. ; Evidence of eConsent is provided.; Material Finding | 10/29/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> B |
| 400000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Rescinded | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of XXX | Please see page XXX of the original file. That's the email from the insurance confirming the XXX% replacement | 10/27/2025 | Condition rescinded as verification of hazard coverage was located in loan fiXXX. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 10/29/2025 | D<br> A<br> B |
| 400000185 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.86% is less than Guideline CLTV of 80% Calculated CLTV of 59.86% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.86% is less than Guideline LTV of 80% Calculated LTV of 59.86% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> D<br> A<br> C<br> B |
| 400000174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." On Page XXX of CD. |  |  | Lender provided PCCD reflecting corrected information on page XXX for will not allow assumption. Condition cleared. | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000174 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing The signed Final 1003 for the borrower and co borrower are missing from the file. | URLA; Page XXX is the start of the urla | 10/30/2025 | Lender provided Final 1003. Condition cleared.; The Final 1003 is Present; Audit reviewed Lender's response and has determined the 1003 in file is the initial 1003. Please provide the Final 1003. Condition retained. | 01/26/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.47% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.47% is less than Guideline CLTV of 80%<br> D<br> A |
| 400000192 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 59.47% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.47% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to document bonus income of XXX per month. Multiple paystubs are in file including year end paystubs for XXX and XXX along with Lender worksheet but none of the documents in file are clear about a bonus. Latest paystub shows employee recognition YTD of XXX Please note ratios would still be within guidelines if that income was removed and LP was rerun but would exceed the allowable variances of XXX% Additional conditions may apply. | please see attached the bonus income has been removed | 12/15/2025 | Condition cleared as we have received updated AUS removing Bonus income. ; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines | 12/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FPRO1137 | Property | The appraiser was not licensed (Primary Value) | Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Lender to provide proof of license. Government sites show XX/XX/XXXX as the beginning date. Fraud report also reports an issue. | please cancel condition, the previous and current copies of the aprsr license are on paged XXX & XXX of the initial file upload. | 10/27/2025 | Audit reviewed Lender's response. Audit search on the XXX State Website reflects appraiser's license was first effective on XX/XX/XXXX and expires on XX/XX/XXXX. Condition cleared.; Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided | 10/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000197 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete On the Final 1003, the borrower has XXX other properties listed. All are marked as his primary residence. The subject transactions is a XXX Cash out on his primary. Please provide an LOE or corrected 1003. Additional conditions may apply. | Corrected Final 1003 - REOs updated | 10/23/2025 | Lender provided corrected 1003. Condition cleared.; The Final 1003 is Present | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. File is missing evidence of XXX taxes have been paid in the amount of $XXX. Additional conditions may apply. | XXX Taxes Paid - XX/XX/XXXX | 10/23/2025 | Lender provided Borrower's bank Statement verifying tax payment of $XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000189 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/20/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). | ARM Disclosure - XX/XX/XXXX | 10/23/2025 | Lender provided ARM disclosure dated within XXX days of the application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 10/24/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 53.13% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 53.13% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Lender to provide XXX Extension forms XXX(personal returns) and XXX for 1120S (business returns.) | extension | 10/24/2025 | Lender provided documentation, web search verifying the XXX granted an automatic extension to XXX XXX for individuals and businesses in XXX. The Borrower's are in XXX; therefore, are granted an automatic extension by the XXX. Condition cleared.; Income and Employment Meet Guidelines | 01/26/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/21/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of Appraisal Review Fee on the final CD XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package. | cure docs | 10/30/2025 | ; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000193 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements Current mortgage history for the subject property is only rated for XXX mo. Title shows recorded mortgage XX/XX/XXXX. Mortgage Statement shows due for XX/XX/XXXX. This loan closed XX/XX/XXXX. Lender to provide credit supplement to confirm all monthly payments were paid as agreed including XX/XX/XXXX payment. | XX/XX/XXXX payment | 10/24/2025 | Lender provided payoff Statement dated XX/XX/XXXX reflecting payment due date of XX/XX/XXXX, verifying the XX/XX/XXXX was paid on time. Condition cleared.; Housing History Meets Guideline Requirements | 10/27/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.82% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.82% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Lender to provide credit supplement or other documentation to show XXX Auto lease has been closed out. Final 1003 shows payment however it was excluded in the final analysis and a new auto lease is showing on the credit report but need documentation in the file to prove these are connected. Additional conditions may apply. | XXX letter in file, confirming lease vehicle returned and lease closed end of XXX XXX The XXX #XXX Statement in file also shows the final payment coming out XX/XX/XXXX - last reported date on credit is XXX XXX | 10/27/2025 | Lender provided XXX Vehicle Return Invoice verifying the lease has been paid off and closed. Condition cleared.; Borrower 1 Credit Report is not partially present. | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing third party proof of business for B1 & XXX(same business) Verification in file has no date on it. | New SOS printout provided, which includes the date and URL. Details of the SOS data match the original printout provided with the loan file. | 10/27/2025 | Lender provided business license search dated post closing, web search dated within XXX days prior to the Note date verifying Borrower 1 and Borrower 2 business. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD. | PCCD - assumption selection corrected | 10/27/2025 | Lender provided PCCD correcting Loan Disclosures on page XXX to reflect Will not allow assumption. Condition cleared. | 10/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000162 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000206 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/27/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.12% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.12% is less than Guideline LTV of 80%<br> C<br> A |
| 400000190 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Rescinded | FCRE1364 | Credit | Borrower 2 Executed 4506-T Missing | Borrower 2 Executed 4506-T Missing Missing 4506C for B2. |  |  | Rescinded as B2 has no income being used.; Borrower 2 Executed XXX-T Provided or Not Applicable (Number of Borrowers equals XXX) | 10/24/2025 | C<br> A |
| 400000191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/22/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation Required - Provide documentation confirming borrower's consent to esigned documents prior to signing initial disclosures that were issued on XX/XX/XXXX. | esign | 11/03/2025 | Condition cleared as we have received the missing e-consent. ; Evidence of eConsent is provided.; Material | 11/05/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.36% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.36% is less than Guideline CLTV of 75%<br> C<br> A<br> B |
| 400000191 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 10/28/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.36% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.36% is less than Guideline CLTV of 75%<br> C<br> A<br> B |
| 400000166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000166 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | FCRE7496 | Credit | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Lender to provide proof of free and clear, taxes, insurance and HOA(LOE States HOA and States stmt included but was not in file.) for the property at XXX. Additional conditions may apply. | REO docs | 11/03/2025 | Condition cleared as we have received evidence of free and clear as well as the HOA dues. | 11/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/27/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - cleared; HMDA Data Tape Provided. | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000164 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/23/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The XXX report in file shows status as pending. | Disclosure pkg audit report | 10/29/2025 | Lender provided verification of Borrower's eConsent. Condition cleared.; Evidence of eConsent is provided.; Material | 11/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000178 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.48% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.48% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 400000183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA complete - no level XXX discrepancies - condition cleared; HMDA Data Tape Provided. | 11/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.81% is less than Guideline CLTV of 80% Calculated CLTV of 68.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.81% is less than Guideline LTV of 80% Calculated LTV of 68.81% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 400000183 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/29/2025 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements Per Final 1003 the property at XXX was sold and proceeds were used as assets, however Final Settlement Statement or Seller CD is not in file to verify the net proceeds. Please provide an executed final settlement Statement or final seller CD. Note: Without the proceeds, the borrower would be short on cash to close and lender overlay reserve requirement of XXX months. Also, EMD of XXX was not sourced in bank Statement. | REO Final SS; REO Final SS | 11/04/2025 | Lender provided final settlement Statement for sale of property XXX reflecting proceeds of XXX which matches the deposit reflected on the final settlement Statement for the subject transaction. Condition cleared.; Asset Qualification Meets Guideline Requirements | 11/05/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.81% is less than Guideline CLTV of 80% Calculated CLTV of 68.81% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.81% is less than Guideline LTV of 80% Calculated LTV of 68.81% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 400000176 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.7% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.7% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided.; Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. | 11/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.03% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 75%<br> D<br> A<br> C |
| 400000198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Resolved | FCOM1268 | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. The defect can be cured by providing the ARM Disclosure dated within XXX business days of application XX/XX/XXXX | ARM Disclosure | 11/04/2025 | Condition cleared as we have received the ARM disclosure from the lender. ; ARM Disclosure is Present or Not Applicable; ARM Disclosure is Missing. The defect can be cured by providing the ARM Disclosure dated within XXX business days of application XX/XX/XXXX | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.03% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 75%<br> D<br> A<br> C |
| 400000198 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. XXX) 1003 shows child support payments. The file contains the decree for dissolution of marriage, however the amount of child support is missing. XXX) Missing documentation for the monthly XXX payments in the amount of XXX and a balance of $XXX. Additional conditions may apply. | Proof of Child Support Payment and monthly XXX Payment | 11/04/2025 | Condition cleared as we have received evidence of the XXX payments and evidence of the Support payment requirement. ; Borrower 1 Credit Report is not partially present.; Borrower 1 Credit Report is Partially Present. XXX) 1003 shows child support payments. The file contains the decree for dissolution of marriage, however the amount of child support is missing. XXX) Missing documentation for the monthly XXX payments in the amount of XXX and a balance of $XXX. Additional conditions may apply. | 11/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 41.03% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.03% is less than Guideline CLTV of 75%<br> D<br> A<br> C |
| 400000165 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> A |
| 400000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/28/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to final XXX% fees XXX (recording fee XXX and Tract fees $XXX) exceeding XXX% of starting fees recording fee $XXX. XXX x XXX= XXX. XXX-XXX= XXX | attached | 11/07/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000179 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/31/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | Documentation required to clear exception: The initial CD is missing from the loan file. The earliest CD in the loan file was issued on XX/XX/XXXX and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that is was received by the consumer XXX business days prior to consummation on XX/XX/XXXX. Additional conditions may apply. This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii) he initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. | initial CD | 11/04/2025 | Condition cleared as we have received the missing Initial CD from lender. ; Condition cleared as we have received the missing initial CD from lender. ; Condition cleared as we have received the missing Initial CD from lender. ; Condition cleared as we have received the missing initial CD from lender. | 11/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Missing required Final 1003. Additional conditions may apply. | urla | 11/04/2025 | Condition cleared as we have received the missing Final 1003. ; The Final 1003 is Present | 11/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000171 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE within XXX days of closing as required. | voe | 11/04/2025 | Condition cleared as we have received the missing VOE. ; Borrower 1 3rd Party VOE Prior to Close Was Provided | 11/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/30/2025 | Acknowledged | finding-4033 | Compliance | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the interest rate is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. | rebuttal upld; initial lock upld,, also please refer to final XXX provided in initial loan file.. | 11/10/2025 | BAML authorized downgrade to B.; The interest rate was not bought down. The undiscounted rate is XXX% and final Note rate is XXX%. There are no Bona Fide discount points and loan is considered Rebuttable Presumption. BAML to review. Condition retained.; Loan was approved as Rebuttable Presumption. BAML to review. Condition retained.; Please provide discount/par rate used for fee testing | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Resolved | FCRE7495 | Credit | Verification of Borrower Liabilities Missing or Incomplete | Per XXX is the total of all monthly liabilities however upon audit review the total is short of XXX by $XXX. Please provide a list of total liabilities that total XXX for review. | revised du upld - ltv 39.82%; revised du upld; revised XXX uploaded, totals match the aus provided in the initial loan file. | 11/13/2025 | Lender provided updated AUS approving DTI of XXX%. The AUS reflects the higher income that is reflected on the 1003 and XXX which is supported by income documentation in fiXXX. Condition cleared.; The finding remains as the calculated DTI is XXX% and does not meet overlays of XXX% Max DTI. Audit reviewed Lender's response and has determined the AUS in file reflects a DTI of XXX%. Audit was able to confirm debt obligations. Please provide updated AUS reflecting the correct income and DTI. If DTI remains as XXX% per the AUS #XXX in file, the DTI exceeds the client overlay maximum of XXX%. Condition retained.; Audit reviewed Lender's response and has determined the AUS in file reflects a DTI of XXX%. Audit was able to confirm debt obligations. Please provide updated AUS reflecting the correct income and DTI. If DTI remains as XXX% per the AUS #XXX in file, the DTI exceeds the client overlay maximum of XXX%. Condition retained. | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Rescinded | FCOM1225 | Credit | Second Home Rider is Missing | Second Home Rider is Missing. Please provide 2nd Home Rider. | please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld. | 11/04/2025 | Invalid finding, subject property is a XXX and would not require a Second Home rider. The required XXX documentation is in the loan fiXXX. Condition rescinded. | 11/05/2025 | D<br> B<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Rescinded | FCOM1224 | Credit | XXX Rider is Missing | XXX Rider is Missing. Please provide XXX Rider. | please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld. | 11/04/2025 | Invalid finding, subject property is a Co-op, which does not require a XXX rider. Condition rescinded. | 11/05/2025 | D<br> B<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 10/30/2025 | Rescinded | FCRE1145 | Credit | Title Document Missing | Title Document is missing. Please provide Title Document. | please cancel cond, this is a XXX loan, the Certification & Report is on pages XXX-XXX of the initial file upld. Accepted None XXX ADMIN (XXX) XX/XX/XXXX XX/XX/XXXX AM \| Internal Comments XXX | 11/04/2025 | Title Document is fully Present Invalid finding. Subject property is a XXX and required documents for the Co-op, Loan Security Agreement, Stock Certificate and, Proprietary Lease are in the loan fiXXX. Condition rescinded. | 11/05/2025 | D<br> B<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Rescinded | FCOM1220 | Credit | The Deed of Trust is Missing | The Deed of Trust is Missing. Please provide The Deed of Trust is Missing | please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld. | 11/04/2025 | The Deed of Trust is Present The subject property is a XXX and the Loan Security Agreement is in file on page XXX Condition rescinded. | 11/05/2025 | D<br> B<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Rescinded | FCOM9469 | Credit | Missing required ARM Rider | Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. eed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. Please provide Deed of Trust | please cancel cond, this is a XXX loan, the Loan Security Agreement is on pgs XXX-XXX of the initial file upld. | 11/04/2025 | Deed of Trust is Missing Adjustable Rate Rider and Note Type is ARM. Invalid finding, property is a XXX and would not require an ARM rider. | 11/05/2025 | D<br> B<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Rescinded | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Mortgage Statement for XXX 2nd mortgage was not provided for review. Please provide Mortgage Statement for XXX 2nd mortgage. | please cancel cond, taxes/ins escrowed on 1st lien, docs were provided in initial file - td stmnt with taxes (pg XXX), hoi stmnt (pgs XXX-XXX) and hoa lox (pg XXX). | 11/04/2025 | Audit reviewed Lender's response and has determined the 2nd lien documentation is in the loan file, Statement with taxes (pg XXX), hoi Statement (pgs XXX-XXX) and hoa lox (pg XXX). Condition rescinded. | 11/05/2025 | D<br> B<br> A<br> C |
| 400000001 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/03/2025 | Rescinded | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired. Appraisal updated provided dated XX/XX/XXXX As completed. |  |  | Rescinded as the XXX is in file and meets guidelines. | 11/03/2025 | D<br> B<br> A<br> C |
| 400000168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 10/30/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX to XXX for the recording fee. A COC is required to determine if this was a valid change. | PCCD cure | 11/11/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 400000168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 400000168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | econsent | 11/05/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material Finding; Material Finding | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 400000168 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application lists five properties. The property located at XXX is identified as a second home and reflects a mortgage payment of XXX which was confirmed by the credit report. However, an additional monthly amount of XXX is listed with no documentation to support the amount listed. The remaining four properties are identified as investment properties: XXX with a listed expense of XXX-XXX with XXX XXX with XXX and XXX with $XXX. The file lacks documentation to support the amounts listed for the second home and all investment properties shown on the final application. Please provide documentation to verify these expenses. | reo docs | 11/05/2025 | Lender provided property profile reports and HOA fees for XXX, XXX-XXX, XXX, XXX and XXX verifying other expenses on REO properties. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCOM3075 | Credit | Missing US Patriot Act Disclosure or ID | Missing US Patriot Act Disclosure or ID. Missing US Patriot Act Disclosure or ID. | ID Card | 12/17/2025 | Additional documentation received; condition cleared.; Material Finding; Material Finding | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> B |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing supporting documentation evidencing the property at XXX was sold. Please provide executed final settlement Statement or seller closing disclosure reflecting the property at XXX was sold. | Final CD | 12/17/2025 | Additional documentation received; condition cleared.; Borrower 1 Credit Report is not partially present. | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | The initial LE issued XX/XX/XXXX is missing. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Initial XX/XX/XXXX LE Uploaded | 12/12/2025 | Condition cleared as we have received the missing Initial XXX from lender.; Condition cleared as we have received the missing Initial XXX from lender. | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | Documentation required to clear exception. Please provide the initial LE issued within XXX days of the application date for compliance testing. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Initial LE XX/XX/XXXX Uploaded | 12/12/2025 | Condition cleared as we have received the missing Initial XXX from lender.; Condition cleared as we have received the missing Initial XXX from lender. | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation required to clear exception. Please provide the initial LE issued within XXX days of the application date for compliance testing. |  |  | Condition cleared as we have received the missing Initial XXX from lender. ; Condition cleared as we have received the missing Initial XXX from lender. ; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; Lender provided the final CD. Please provide initial XXX and valid COC for added attorney fee of $XXX. Condition retained.; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | Please provide a copy of the Final Closing Disclosure to verify final closing figures for testing. | Final CD | 12/08/2025 | Lender provided final CD. Condition cleared. | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCOM1232 | Credit | The Final 1003 is Missing | The Final 1003 is Missing Missing Final 1003. | Final executed 1003 | 12/08/2025 | Lender provided Final 1003. Condition cleared.; The Final 1003 is Present | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000202 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE1437 | Credit | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines Other Loss in the amount of ($XXX), listed on the Final 1003 not documented. Per AUS, other income must be documented according to the selling guide section XXX Please provide K-XXX's or LOE. | see attached XXX lox. | 11/06/2025 | Lender provided explanation for the other income loss of XXX which is Unreimbursed Expenses on the schedule E. Condition cleared.; Income and Employment Meet Guidelines | 11/12/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000172 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/04/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Per AUS #XXX, A valid ARM plan has not been provided to DU. Please provide ARM plan to DU. | Updated AUS with ARM plan code attached; DU attached | 11/14/2025 | AUS is not incomplete Lender provided updated AUS. Condition cleared.; Lender provided AUS #XXX, which was also in the loan file reflecting bullet #XXX, that a valid XXX ARM plans has not been provided to DU. Please provide updated AUS reflecting a valid ARM plan was provided to DU. Condition retained. | 11/18/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%<br> D<br> A<br> B<br> C |
| 400000132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%<br> D<br> A<br> C<br> B |
| 400000132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/03/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Tax Related Service Fee increased from XXX to XXX -- ILE shows a tax related service fee of XXX which increase to XXX and no valid COC was located to clear exception. | COC attached | 11/07/2025 | Condition cleared as we have received the missing valid COC for the tax related service fee increase. ; Condition cleared as we have received the missing valid COC for the tax related service fee increase. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%<br> D<br> A<br> C<br> B |
| 400000132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO0951 | Property | XXX Approval Missing | XXX Approval Missing. Missing XXX Approval. | XXX Questionnaire attached | 11/07/2025 | XXX Approval is provided. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%<br> D<br> A<br> B<br> C |
| 400000132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | LOE attached | 11/07/2025 | Condition cleared as we have received lenders attestation for no affiliates. ; Required Affiliated Business Disclosure Documentation Provided | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%<br> D<br> A<br> B<br> C |
| 400000132 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Please provide corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of CD. | PCCD attached | 11/07/2025 | Condition cleared as we have received the corrected CD. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.13% is less than Guideline LTV of 75% Calculated LTV of 36.13% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.13% is less than Guideline CLTV of 75% Calculated CLTV of 36.13% is less than Guideline CLTV of 75%<br> D<br> A<br> C<br> B |
| 400000161 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Informational only. | 11/10/2025 | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Lender to provide updated title to confirm a minimum of XXX | The policy will be issued with the correct loan amount. See attached endorsement to the Title Commitment for the correction. | 11/25/2025 | Lender provided Title Commitment Endorsement reflecting coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Material Finding | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B |
| 400000180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Provide proof of self employment within XXX days of closing as required. Dept of State doc in file has no date that the document was pulled. | State search with web; Business search | 11/25/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided Verification of Business search dated post closing, which meets AUS and FNMA requirements. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided Verification of Business search dated post closing, which meets AUS and FNMA requirements. Condition cleared.; Borrower 1 3rd Party VOE Prior to Close Was Provided Lender provided Verification of Business search dated post closing, which meets AUS requirements. Condition cleared.; Finding remains as we only received the same information. The VOE used by the lender has no search or pull date the document was created. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000180 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. | CDA; Please advise what is needed to address this | 11/14/2025 | CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation product provided within tolerance.; Audit reviewed Lender's response. A CDA is required to meet BAML overlay requirements. Condition retained. | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE1187 | Credit | Audited LTV Exceeds AUS LTV | Audited LTV of 69.17% exceeds AUS CLTV of 68% Lender approved the loan on the appraisal with a higher value as opposed to the appraisal with lower value. Missing any evidence why the higher value appraisal was used. | Appraiser increased value due to bathroom remodel – this was on the appraisal in the file \| \| Same appraisal and appraiser… he increased value on original report \| | 11/12/2025 | Condition cleared as we have received explanation for second appraisal with slightly higher value due to bathroom remodel.; Audited LTV of 67.66% is less than or equal to AUS CLTV of 68% | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The declaration page has total coverage of XXX and the loan amount is $XXX. Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply. | RCE | 11/11/2025 | Condition cleared as we have received evidence of replacement cost included form the insurance company. ; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000170 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.66% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Please provide CDA for lowest of XXX appraisal of $XXX. | CDA | 11/14/2025 | CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation product provided within tolerance. | 02/20/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Please provide documentation verifying Value of XXX or Re-run AUS with lowest of XXX appraised value of XXX | Updated AUS | 11/14/2025 | Condition cleared as we have received the updated AUS with correct valuation. ; AUS is not incomplete | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000188 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A<br> C |
| 400000148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Missing required CDA report on lowest value of $XXX. | CDA | 11/18/2025 | CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation product provided within tolerance. | 02/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE1187 | Credit | Audited LTV Exceeds AUS LTV | Audited LTV of 73.17% exceeds AUS CLTV of 70% Rerun DU with corrected CLTV. Value of $XXX. | AUS | 11/19/2025 | Lender provided updated AUS reflecting approved LTV / CLTV of 74%. Condition cleared.; Audited LTV of 73.17% is less than or equal to AUS CLTV of 74% Lender provided updated AUS reflecting approved LTV / CLTV of 74%. Condition cleared. | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% Rerun DU approval with net income of XXX per month. DU approval shows income of XXX per month. Income didn't account for one of the three businesses with a loss. Subject to full review of new DU approval and additional conditions may apply. | DU | 11/18/2025 | Lender provided updated AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% Lender provided updated AUS approving DTI of XXX%. Audit DTI of XXX% is within tolerance of the updated AUS approved DTI of XXX%. Condition cleared. | 01/26/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Rerun DU approval to include three merge report as per page XXX # XXX of the DU approval. Loan is subject to full review of new approval and Additional conditions may apply. | DU #XXX was uploaded and should resolve the remaining condition on this one. The arm plan is on there and confirms a hard pull tri merged credit report was used. ; Updated AUS; AUS | 12/02/2025 | Cleared as we have received the updated AUS with correct ARM plan. ; Borrower 1 Credit Report is not partially present.; Lender provided same AUS #XXX. Please provide updated AUS reflecting a valid ARM plan and full tri merge credit information. Condition retained.; Lender provided AUS #XXX; however, it still reflects bullet point XXX for Early Assessment recommendation using soft inquiries and bullet point #XXX indicating a valid XXX Arm plan was not provided to DU. Please provided updated AUS reflecting a valid ARM plan and reflecting the full tri merge credit report information. Condition retained. | 12/02/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." on Page XXX of Final CD. | PCCD | 11/19/2025 | Lender provided corrected PCCD reflecting correct information for will not allow assumption on page XXX Condition cleared. | 11/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000148 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX to XXX on Final CD dated XX/XX/XXXX without a valid COC. | Document Uploaded. Please see attached PCCD, with a cure check in the amount of the tolerance violation. | 11/19/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000076 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.62% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.62% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.62% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.62% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000040 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65.62% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.62% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.75% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.75% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.75% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.75% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000074 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50.75% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50.75% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000072 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.65% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.65% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.65% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.65% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000070 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.65% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 57.65% is less than Guideline LTV of 70% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.71% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.71% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000044 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.71% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70.71% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000068 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000066 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000042 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/11/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to ithe addition of the XXX for the Appraisal Review Fee. | Document Uploaded. Please see the attached PCCD package mailed to borrower curing the issue. | 11/13/2025 | Cure package provided, exception downgraded to a 2/B | 11/14/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.57% is less than Guideline LTV of 89.99%<br> C<br> B<br> A |
| 400000059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.57% is less than Guideline LTV of 89.99%<br> C<br> B<br> A |
| 400000059 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.57% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.57% is less than Guideline LTV of 89.99%<br> C<br> B<br> A |
| 400000054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000054 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000081 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing documentation supporting the exclusion of the XXX acount as reflected on the AUS, with a monthly payment in the amount of XXX | ; Documentation received in RWT review.; Document Uploaded. ; | 11/20/2025 | Borrower 1 Credit Report is not partially present. | 11/20/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 55.47% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.47% is less than Guideline CLTV of 90%<br> C<br> A |
| 400000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Rescinded | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The following debt was submitted as paid off at or before closing and excluded from the DTI calculations. Please provide documentation supporting the omission; XXX Mortgage Acct# XXX with a balance of XXX and a payment of $XXX. Additional conditions may apply. | A copy of the loan commitment from the buyer's lender for the sale of this property was included with the loan package. Please clear. | 11/17/2025 | Audit reviewed Lender's response and has determined the sales contract for the sale of the departing residence and Verified Pre-Approval Letter are in the loan file on pages XXX and XXX which meets AUS and XXX requirements for omission of the debt from the total debt obligations. Condition rescinded. | 11/19/2025 | C<br> A |
| 400000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Hazard insurance in not sufficient. The declaration page has total coverage of XXX and the loan amount is $XXX. Form does not indicate guaranteed replacement cost coverage. Replacement cost estimator is not in the loan file. Additional conditions may apply. | RCE Attached | 11/17/2025 | Audit reviewed Lender's response and has determined the insurance is based on replacement cost value per page XXX of the insurance policy. Condition cleared.; The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 11/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000163 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX. | ; Documentation received, RWT to review.; Document Uploaded. ; ; ; ; ; Document Uploaded. ; Documentation received in RWT review.; | 12/22/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Updated cure amount to $XXX due to the increase in the credit report fee without a valid COC in file; This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).;  | 12/22/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Rescinded | finding-3529 | Compliance | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX and 12 CFR §1026.19(e)(4)(i) he revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms. This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F), and (D) as amended in XXX and 12 CFR §1026.19(e)(4)(i) he revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict f a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and XXX% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §XXX(f)(XXX), lender credits, and any other interest rate dependent charges and terms. Invalid; corrected COC dates Invalid; corrected COC dates |  | 12/03/2025 | Invalid; corrected COC dates Invalid; corrected COC dates | 12/22/2025 | D<br> B<br> A<br> C |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX. | ; Document Uploaded. ; Documentation received, RWT to review.; ; Document Uploaded. ; Documentation received in RWT review.; | 12/03/2025 | SSPL provided; exception resolved; This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; Provide SSPL dated within 3 days of the application date; This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. Missing XXX years W2s for XXX and XXX | ; ; Documentation received in RWT review.; Document Uploaded. ; | 11/24/2025 | Borrower 1 W2/1099 Provided | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCRE1330 | Credit | Borrower 1 Paystubs Missing | Borrower 1 Paystubs Missing Missing most current XXX month period of paystubs | ; Documentation received in RWT review.; Document Uploaded. ; | 11/24/2025 | Borrower 1 Paystubs Provided | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Please provide evidence Borrower received ARM disclosure within required XXX days from Application dated XX/XX/XXXX | ; Documentation received in RWT review.; Document Uploaded. ; | 11/21/2025 | ARM Disclosure Provided Within 3 Days of Application Date or Not ApplicabXXX. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required; Homeownership Counseling Organization list dated within XXX business days of application date XX/XX/XXXX. | ; Documentation received in RWT review.; Document Uploaded. ; | 11/21/2025 | Condition was resolved after homeownership counseling disclosure was received within XXX days of application date. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> A<br> C |
| 400000208 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required; Initial LE and appropriate initial disclosure package dated within XXX business days of application date XX/XX/XXXX. | ; Documentation received in RWT review.; Document Uploaded. ; | 11/21/2025 | Condition was resolved after Initial XXX was received dated within XXX business days of application date. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> B<br> C<br> A |
| 400000156 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO9990 | Property | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Third Party Valuation Product Not Provided. Please provide required CDA- Secondary Value Source. | CDA attached | 11/12/2025 | CDA dated XX/XX/XXXX with value of XXX was provided and is within XXX% tolerance of appraisal value of $XXX. Condition cleared. ; Third party valuation product provided within tolerance. | 02/20/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.96% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.96% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | LOE attached | 11/12/2025 | Lender provided attestation of no affiliates. Condition cleared. ; Required Affiliated Business Disclosure Documentation Provided; Material ; Material | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.96% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> B<br> C |
| 400000141 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/10/2025 | Resolved | FCOM1271 | Compliance | XXX is Missing | XXX is Missing Documentation required to clear exception: XXX is Missing | XXX attached | 11/12/2025 | XXX is Present or Not Applicable Lender provided XXX. Condition cleared.; XXX is Present or Not Applicable Lender provided XXX. Condition cleared.; XXX is Present or Not Applicable Lender provided XXX. Condition cleared. | 11/14/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.96% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.96% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. According to XXX report, initial Loan application date is XX/XX/XXXX. Initial LE is dated XX/XX/XXXX which exceeds the timing XXX. Documentation required to clear exception: Please provide Initial LE dated within XXX days of the application date of XX/XX/XXXX | Initial LE and Service provider list | 11/14/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). This exception is tied to the Initial LE and Written List of Service Providers missing. According to XXX report, initial Loan application date is XX/XX/XXXX. This exception is tied to the LE timing exception. Initial LE and WLSP is dated XX/XX/XXXX which exceeds the timing XXX. Document required to clear exception: Initial Disclosures dated XX/XX/XXXX or within the XXX days of application date of XX/XX/XXXX. | Initial LE and Service provider list | 11/14/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). This exception is tied to the Initial LE missing. According to XXX report, initial Loan application date is XX/XX/XXXX. This exception is tied to the LE timing exception. Initial LE is dated XX/XX/XXXX which exceeds the timing XXX. | Initial LE and Service provider list | 11/14/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. Documentation required to clear exception. According to XXX report, initial Loan application date is XX/XX/XXXX. Homeownership counseling organization disclosure is dated XX/XX/XXXX which exceeds the timing XXX. Missing Original Disclosures and LE that was sent to the borrower on XX/XX/XXXX, per XXX Report in the file. Document required to clear exception: Homeownership Counseling Organization Disclosure dated within XXX days of application date of XX/XX/XXXX | Homeownership Counseling Organizations Disclosure | 11/14/2025 | Lender provided Homeownership Counseling disclosure date within XXX days of the application date. Condition cleared. | 11/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000181 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/11/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). This exception is tied to the Initial LE missing. According to XXX report, initial Loan application date is XX/XX/XXXX. This exception is tied to the LE timing exception. Initial LE is dated XX/XX/XXXX which exceeds the timing XXX. Document required to clear exception is the ARM Disclosure dated within XXX days of the application date of XX/XX/XXXX. | ARM Disclosure | 11/14/2025 | Lender provided ARM Disclosure date within XXX days of application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 11/17/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000133 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.16% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 80%<br> A |
| 400000080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.16% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 80%<br> A |
| 400000080 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 62.16% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.16% is less than Guideline CLTV of 80%<br> A |
| 400000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Provide evidence that the ARM Disclosure was provided within XXX Days of Application Date, (XX/XX/XXXX). | Document Uploaded. Please see the attached package which was sent with the initial loan estimate within XXX days of application. Included in that package is the ARM disclosure. | 11/14/2025 | ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000079 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000078 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/13/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM1271 | Compliance | XXX is Missing | XXX is Missing Documentation required: Provide evidence borrower's were in receipt of the Consumer Handbook for Adjustable Rate Mortgages within XXX days of program change | Document Uploaded. Please see attached. Upon product flip, the borrower is sent a static link the the XXX. I have copied over and uploaded a picture of our internal system confirming the static link. | 12/05/2025 | XXX is Present or Not Applicable | 12/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.9% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.9% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000073 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/14/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 78.9% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.9% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000069 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/12/2025 | Acknowledged | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Please provide copy of the ARM disclosure within XXX days of the application date XX/XX/XXXX. | Unable to Resolve-Seller acknowledges exception, no change in grading ; Please review pg XXX which contains the Loan Disclosure Summary esigned on XX/XX/XXXX, it confirms receipt of the XXX. This was esigned on XX/XX/XXXX which is the same date the 1003 application was taken. Please use this to resolve the exception | 12/15/2025 | Acknowledged as 3/C grading per client request; The document indicated in the response is not sufficient to resolve. The file does not contain an ARM disclosure (like the one on pg XXX) dated within XXX days of the application. | 12/15/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000067 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000063 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000041 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/17/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 79.46% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.46% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.3% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.3% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.3% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.3% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000055 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.3% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.3% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% The Audited DTI of XXX% exceeds AUS DTI of XXX% due to income calculations. The loan was approved using XXX in commission income for Borrower 1; however, the file does not contain documentation to support this income. Removing the commission income results in a higher DTI. | Please see the attached, the bonus income for B1 has been removed. | 12/16/2025 | Additional documentation received; condition cleared.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 12/23/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.11% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.11% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | TP; page XXX is the updated title with the correct coverage amount | 12/10/2025 | Lender provided title with coverage of $XXX. Condition cleared.; Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Audit reviewed Lender's response and has determined the title coverage of XXX is not sufficient to cover the loan amount of $XXX. There is a variance of XXX Please provide title report with sufficient coverage of $XXX. Condition retained.; Material | 12/12/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.11% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.11% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Rescinded | FCOM8896 | Compliance | Final CD: Loan Disclosures Assumption incomplete or inaccurate | Client overlay: Please provide Corrected CD with the box selected for "Will not allow assumption of this loan on the original terms." On Page XXX of CD. | The final CD has the correct not assumable box checked. Please see page XXX of the final CD on page XXX of the original upload. | 11/24/2025 | Audit reviewed Lender's response and has determined page XXX of the final CD does reflect the correct information for will not allow assumption. Condition rescinded. | 11/26/2025 | C<br> A |
| 400000155 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.11% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.11% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000175 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 20.73% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 20.73% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA data received, no discrepancies noted, condition cleared ; HMDA Data Tape Provided. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/13/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Provide the ARM disclosure and proof if was sent to the borrower within XXX business days of application XX/XX/XXXX | Initial ARM | 11/19/2025 | Lender provided ARM disclosure provided within XXX business days of application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing initial Loan Estimate and proof sent to the borrower within XXX business days of application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received. | Initial LE | 11/19/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Missing initial Loan Estimate and proof sent to the borrower within XXX business days of application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received. | Initial LE uploaded to previous condition for review. | 11/19/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Missing initial Loan Estimate and proof sent to the borrower within XXX business days of application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received. | Initial LE uploaded to previous condition for review. | 11/19/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000160 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing initial Loan Estimate and proof sent to the borrower within XXX business days of application XX/XX/XXXX. Initial LE sets the baseline so TRID testing can't be completed until that is received. | Initial LE uploaded to previous condition for review. | 11/19/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees and Lender credits are within tolerance. Condition cleared. | 11/21/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 66.52% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.52% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000201 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Please provide update on hmda review | 11/20/2025 | HMDA data received, no discrepancies noted, condition cleared ; Audit reviewed Lender's response. HMDA review to be completed by DD firm. Condition retained. | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000169 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 47.11% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 47.11% is less than Guideline CLTV of 80%<br> C<br> A |
| 400000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneThe creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per compliance report in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Additional conditions may apply. | Initial LE XX/XX/XXXX | 11/20/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX. | Initial LE XX/XX/XXXX | 11/20/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Because the loan failed the initial LE delivery date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes; baseline begins at XXX and will not reset. Cure- Provide a copy of the Initial LE dated with XXX days of the initial application XX/XX/XXXX. | Initial LE XX/XX/XXXX | 11/20/2025 | Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audit re-ran compliance and has determined fees are within tolerance. Condition cleared. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000159 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/14/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation Required to clear exception - ARM disclosure issued within XXX business days of application (XX/XX/XXXX) | ARM Disclosure XX/XX/XXXX | 11/20/2025 | Lender provided ARM disclosure provided within XXX business days of the application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 11/21/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE1334 | Credit | Borrower 1 Executed 4506-T Missing | Borrower 1 Executed 4506-T Missing Please provide the completed and signed XXX-C for the following business: XXX. | XXX | 11/25/2025 | Lender provided XXX-C for XXX. Condition cleared.; Borrower 1 Executed XXX-T Provided | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%<br> D<br> A |
| 400000140 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/18/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. The final application reflects a mortgage payment of XXX for the property located at XXX, which is supported by the credit report. Additional expenses of XXX are also listed; however, there is no documentation confirming that escrows are included in the mortgage payment, and we are unable to validate the additional XXX expense. Please provide confirmation of the full PITIA expenses for this property. | XXX | 11/25/2025 | Lender provided TIA for property XXX. Condition cleared.; Borrower 1 Credit Report is not partially present. | 11/26/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 68.83% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.83% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM1268 | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. Provide the ARM disclosure dated within XXX business days of application XX/XX/XXXX. | ARM disclosure dated XX/XX/XXXX | 11/24/2025 | Lender provided ARM disclosure. Condition cleared.; ARM Disclosure is Present or Not Applicable | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000150 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.97% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.97% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000149 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of % is less than Guideline DTI of XXX%<br> C<br> A |
| 400000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Columbus Day (XX/XX/XXXX s not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Missing ILE dated within XXX business days of application XX/XX/XXXX and proof sent which sets the baseline. TRID testing to be completed once ILE has been received. | LE uploaded to other condition | 11/25/2025 | Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date. | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Missing ILE dated within XXX business days of application XX/XX/XXXX which sets the baseline. TRID testing to be completed once ILE has been received. | initial loan estimate | 11/25/2025 | Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date.; Condition resolved as we have received the missing Initial CD as well as the WLSP within XXX days of application date. | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Missing ILE dated within XXX business days of application XX/XX/XXXX which sets the baseline. TRID testing to be completed once ILE has been received. | LE uploaded to other condition. | 11/25/2025 | Condition resolved as we have received the missing ILE, and TRID was completed.  | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000157 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | HMDA review completed, no Level 3 findings noted, condition cleared.; HMDA Data Tape Provided. |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.28% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.28% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | A |
| 400000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | A |
| 400000077 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | A |
| 400000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000071 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000065 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.69% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.69% is less than Guideline LTV of 80%<br> A |
| 400000061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.69% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.69% is less than Guideline LTV of 80%<br> A |
| 400000061 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.69% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.69% is less than Guideline LTV of 80%<br> A |
| 400000057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000057 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000056 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/21/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000053 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/24/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.91% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.91% is less than Guideline CLTV of 89.99%<br> A |
| 400000051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.91% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.91% is less than Guideline CLTV of 89.99%<br> A |
| 400000051 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/24/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 74.91% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 74.91% is less than Guideline CLTV of 89.99%<br> A |
| 400000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000049 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Per the Final 1003 the PITI for the departing property located at: XXX is XXX per months, however there is no documentation confirming whether this property has HOA dues or not. Please provide satisfactory documentation evidencing whether this property has HOA dues or not. | There is no indication the property is an HOA. The amount used to qualify matches the amount listed on the mortgage Statement. Unless there are HOA red flags, such as a XXX unit number, we do not document the lack of HOA dues with the loan file. | 11/21/2025 | No indication that there is an HOA on the departing residence; finding resolved.; Auditor review indicates there is an HOA on the departing residence. Please provide an HOA document or Property Details Report for XXX. | 11/25/2025 | D<br> A |
| 400000047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 11/20/2025 | D<br> A |
| 400000047 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | D<br> A |
| 400000046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM1271 | Compliance | XXX is Missing | XXX is Missing Evidence of delivery of the XXX is missing. | Document Uploaded. Please see the attached attestation regarding XXX's process for the XXX. | 12/11/2025 | XXX is Present or Not Applicable; Per client email, XXX is automated with eConsent acceptance and provided on eConsent acceptance date. | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000046 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 11/20/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the tax service fee from LE XX/XX/XXXX to LE XX/XX/XXXX and XXX to XXX for the appraisal fee from LE XX/XX/XXXX to LE XX/XX/XXXX. The COC's provided do not give enough information to determine if this was a valid change. Please provide a more detailed explanation. | refund to borrower \| pccd and fedex; coc for program change on tax service | 12/02/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80% Calculated LTV of 69.64% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Prelim with updated amount | 12/02/2025 | Title Coverage Amount of XXX is equal to or greater than Total Amount of Subject Lien $XXX; Additional documentation received; exception resolved.; Material; Material | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80% Calculated LTV of 69.64% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/19/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | consent for initial disclosure | 11/25/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80% Calculated LTV of 69.64% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000153 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/20/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 11/26/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.64% is less than Guideline CLTV of 80% Calculated CLTV of 69.64% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.64% is less than Guideline LTV of 80% Calculated LTV of 69.64% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Provide evidence the appraisal was delivered to the borrower a minimum of XXX business days prior to consummation XX/XX/XXXX. The appraisal acknowledgment disclosure does not specify if the borrower waived the timing requirements or if the appraisal was received the minimum XXX days prior to consummation. | Hello. Appraisals delivered on XX/XX/XXXX and XX/XX/XXXX appear to be more than XXX days prior to the XX/XX/XXXX closing date. Please advise? | 11/28/2025 | Lender provided verification of Borrower's receipt of appraisal. Condition cleared. ; Evidence of appraisal delivery provided.; Material; Material | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.53% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.53% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000173 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 57.53% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 57.53% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A<br> B |
| 400000158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no level XXX findings notes, condition cleared.; HMDA Data Tape Provided. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 400000158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/25/2025 | Rescinded | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided Please provide AUS showing as Cash Out. AUS in file is Limited Cash Out. | This is a rate/term no cash out XXX and when DU is ran, it populates as limited cash out. Based on guidelines this is correct. XXX% of loan amount is XXX and borrower received XXX within the threshold. \| | 11/28/2025 | AUS is not incomplete Audit reviewed Lender's response and has determined the settlement Statement reflects the Borrower received XXX which is within the XXX% limit of XXX allowed by FNMA. Condition rescinded. | 12/03/2025 | C<br> A |
| 400000158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception - Provide Initial ARM disclosure dated within XXX days of Application Date. | ARM disclosure | 11/26/2025 | Lender provided ARM disclosure dated within XXX business days of the application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 400000158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Documentation required to clear exception- Provide Initial Loan Estimate dated XX/XX/XXXX as referenced in XXX report. Additional testing will be completed upon receipt. | initial LE | 11/26/2025 | Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 400000158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). Documentation required to clear exception - Provide Initial Loan Estimate dated XX/XX/XXXX as referenced in XXX report. Additional testing will be completed upon receipt. Also provide Written List of Service Providers issued at application date. | initial LE | 11/26/2025 | Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared.; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 400000158 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/24/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on Columbus Day (XX/XX/XXXX s not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. Documentation required to clear exception- Provide initial LE dated XX/XX/XXXX | initial LE | 11/26/2025 | Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared.; Lender provided initial XXX. Audi re-ran compliance and has determined fees are within tolerance. Condition cleared. | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. Borrower has XXX years on job.<br> C<br> A |
| 400000154 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing proof of taxes for the property at XXX. Missing proof of hazard insurance for the property at XXX, Missing proof of HOA or letter from borrower stating no HOA for the following properties: XXX XXX. | XXX was deeded over to XXX. Our borrower has no ownership. XXX is land no HOA or HOI. | 12/03/2025 | Lender provided LOE for no HOA fees for properties XXX XXX, LOE for no insurance on property XXX XXX, which is a vacant lot and provided mortgage for property XXX XXX reflecting property is no longer owned by the Borrower. Condition cleared. | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000151 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Missing proof of XXX debt listed with a payment on the Final 1003. Need proof of balance and monthly payment. Additional conditions may apply. | See page XXX of XXX of the XXX transcripts showing that the borrower paid taxes owed | 12/03/2025 | Lender provided tax transcripts reflecting XXX tax payment made in full. Condition cleared.; Borrower 1 Credit Report is not partially present. | 12/05/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A<br> C |
| 400000146 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000144 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX | econsent | 12/09/2025 | Lender provided verification of Borrower's eConsent. Condition cleared. ; Evidence of eConsent is provided.; Material; Material | 12/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80%<br> C<br> A<br> B |
| 400000144 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80%<br> C<br> A<br> B |
| 400000167 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Higher Priced APOR (APOR HP) | Loan Review Complete | 11/26/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/07/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.54% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.54% is less than Guideline LTV of 75% \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE1255 | Credit | Other Property Insurance Policy Missing | The Hazard Insurance is missing on the following properties: XXX XXX | Please see page XXX-XXX of the loan file. The schedule E on the borrower's 1040s lists an insurance amount for every property listed in the exception. | 12/05/2025 | Property tax amounts found on the Schedule E as advised by lender. | 12/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000062 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 11/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000060 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.83% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.83% is less than Guideline CLTV of 80%<br> A |
| 400000058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.83% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.83% is less than Guideline CLTV of 80%<br> A |
| 400000058 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.83% is less than Guideline LTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.83% is less than Guideline CLTV of 80%<br> A |
| 400000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000052 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000050 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.06% is less than Guideline LTV of 80%<br> A |
| 400000048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.06% is less than Guideline LTV of 80%<br> A |
| 400000048 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.06% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.06% is less than Guideline LTV of 80%<br> A |
| 400000045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.49% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.49% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.49% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.49% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000045 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.49% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.49% is less than Guideline LTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/01/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000025 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000023 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/03/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided There are two hazard policies in file. Neither seem to have a beginning and ending date. They also have different policy #'s. Please provide correct insurance with start and end dates. Additional conditions may apply. | HOI Effective date reflects last page | 12/11/2025 | Lender provided hazard insurance policy. Condition cleared.; Hazard Insurance Policy is fully present; Hazard Insurance Policy Partially Provided There are two hazard policies in fiXXX. Neither seem to have a beginning and ending date. They also have different policy #'s. Please provide correct insurance with start and end dates. Additional conditions may apply. | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000147 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/02/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 12/08/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000152 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Documentation required: The eSigned documents consent is missing for the initial disclosures esigned by the Borrower 1XX/XX/XXXX or prior. | initial consent | 12/09/2025 | Lender provided Econsent. Condition cleared.; Evidence of eConsent is provided. | 12/10/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.65% is less than Guideline LTV of 89.99%<br> A |
| 400000075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.65% is less than Guideline LTV of 89.99%<br> A |
| 400000075 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.65% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.65% is less than Guideline LTV of 89.99%<br> A |
| 400000064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file is missing verification of employment for the borrowers second S/E job. | The borrower's self employment income is not being used to qualify. The 1040s confirm the business is operating at a loss. We do not require third party verification for businesses operating at a loss. | 12/04/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000064 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66.42% is less than Guideline CLTV of 89.99% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66.42% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.01% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.01% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000043 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 73.01% is less than Guideline LTV of 89.99% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 73.01% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000034 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/04/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/09/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. | Following up on the status of this review. | 12/15/2025 | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000143 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/05/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception: ARM Disclosure dated in file dated XX/XX/XXXX was not provided within XXX Days of Application Date XX/XX/XXXX. Please provide ARM disclosure dated within XXX days of application. | Application date is XX/XX/XXXX and ARM disclosure was sent on XX/XX/XXXX which is within the XXX days. | 12/15/2025 | Lender provided Disclosure Tracker verifying ARM disclosure provided to the Borrower within XXX days of the application date. Condition cleared.; ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 12/17/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000138 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000138 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to $XXX..XXX for the Foreclosure Prevention Fee that was added to the ICD | refund check, pccd and fedex to borrower | 12/17/2025 | Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B.; Lender provided LOE, PCCD, copy of refund check and proof of delivery. Cured post close, loan will be graded a B. | 12/22/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000137 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.09% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.09% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000038 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/11/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing documentation to support the monthly payment for the property at XXX #XXX. Lender to provide explanation and evidence to support the monthly liability for the property at XXX #XXX of $XXX/m. The mortgage Statement in the file does not account for the amount. | Please see pages XXX and XXX of the loan file. The mortgage Statement confirms the borrower is not on the mortgage and isnt responsible for the XXX and interest. We did qualify the borrower with the full taxes, insurance and HOA dues amount. The number was left higher than the documents require as a conservative estimate of DTI. | 12/15/2025 | Mortgage Statement on pg XXX reflects mortgage not in borrower's name, so lender did not include P&I amount for XXX XXX | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000037 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> D<br> A |
| 400000036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing | The borrower's paystub meets the requirement for Paystub as VOE. The paystub in the loan file has a period end date of XX/XX/XXXX. This meets requirements. | 12/15/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000036 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000035 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000033 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.91% is less than Guideline LTV of 80%<br> A |
| 400000032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.91% is less than Guideline LTV of 80%<br> A |
| 400000032 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/12/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.91% is less than Guideline LTV of 80%<br> A |
| 400000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM1271 | Compliance | XXX is Missing | XXX is Missing. Evidence of delivery within XXX business days or product change required. | Document Uploaded. Please see attached. Upon product flip, the borrower is sent a static link the the XXX. I have copied over and uploaded a picture of our internal system confirming the static link. | 12/17/2025 | XXX is Present or Not Applicable | 12/18/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000031 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000021 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/15/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Acknowledged | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception: Evidence that a copy of the appraisal was provided to the consumer at least XXX business days prior to consummation date of XX/XX/XXXX. | Unable to Resolve-seller accepts; no change to grading. | 12/16/2025 | Acknowledged as 2/B grading per client request. | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 400000020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 400000020 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/15/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> B<br> A |
| 400000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.09% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.09% is less than Guideline LTV of 80%<br> A |
| 400000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.09% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.09% is less than Guideline LTV of 80%<br> A |
| 400000019 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/15/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.09% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.09% is less than Guideline LTV of 80%<br> A |
| 400000004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit decrease in the amount of XXX is due to decrease from XXX on LE XX/XX/XXXX to XXX in lender paid fees on final CD dated XX/XX/XXXX. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please see page XXX of the loan file. The lender credits cannot be applied to fees which dont exist. To remedy this, the borrower is given XXX reduction to ensure they still receive the full amount of the disclosed lender credits. Please add the prinicipal reduction to the lender credit amount for the full credits. | 12/17/2025 | Lender confirmed XXX reduction is for lender credits; exception resolved; Lender confirmed XXX reduction is for lender credits; exception resolved | 12/18/2025 | C<br> A |
| 400000004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | C<br> A |
| 400000004 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | C<br> A |
| 400000002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing Unable to locate a recent third party verification of borrower's business and employment. Verification provided is dated XX/XX/XXXX. | Document Uploaded. Please see the screen shot attached from our document system showing the third party SE verification was uploaded XX/XX/XXXX at XX/XX/XXXX (please adjust zoom if needed). It would not have been completed prior to application on XX/XX/XXXX and should be sufficient to verify it was completed within XXX days prior to closing on XX/XX/XXXX | 12/17/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided | 12/18/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.16% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.16% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.16% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.16% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000002 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 56.16% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.16% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000017 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/11/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80%<br> A |
| 400000016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80%<br> A |
| 400000016 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 43.25% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 43.25% is less than Guideline LTV of 80%<br> A |
| 400000015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000015 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Rescinded | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the discount points from CD XX/XX/XXXX to CD XX/XX/XXXX (page XXX) The COC wasn't accepted because there is no borrower received date. Provide evidence when the borrower received the CD to confirm timing requirements were met. | Please be advised this is a valid CIC and does not require a new waiting period. The APR on the CD did not increase more than XXX%. This loan meets timing requirements. | 12/17/2025 | Valid COC in file; Exception resolved; Valid COC in file; Exception resolved | 12/18/2025 | C<br> A |
| 400000014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000014 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000013 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000012 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Rescinded | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. The XXX Mortgage Identity verification and acknowledgment certification form was completed with this error: B2 Photo ID expiration Date: XX/XX/XXXX. This date is B2's date of birth. File requires the expiration date of the document used for this event. | Guidelines do not require this date be updated. The notary is attesting that they reviewed and verified the identity of the signers, the expiration date and license date are for our own verification process and nothing more. | 12/17/2025 | Matrix/Guidelines do not indicate an ID is required. Condition rescinded. | 12/18/2025 | A |
| 400000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/12/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.26% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.26% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000010 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 65.26% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65.26% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000136 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000139 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/15/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000135 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/16/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. HMDA Tape Provided. The loan is pending HMDA data review. Condition for informational purposes only. Due Diligence firm to complete. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM3813 | Credit | Purchase Contract does not Match Final CD | The final CD does not reflect the correct sales price when compared to the XXX Contract. Truth in Lending Act (XXX Z) 12 CFR 1026.38(a)(3)(vii) Addendum to the purchase contract shows a purchase price of $XXX compared to the Final CD $XXX. | Contract Addendum with the correct Sales Price | 12/19/2025 | Addendum provided - condition cleared | 12/22/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000134 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Per Credit report supplement, new debt added. XXX with a balance of XXX and a payment of XXX. Audited DTI of XXX% exceeds Guideline DTI of XXX% Per Credit report supplement, new debt added. XXX with a balance of XXX and a payment of XXX. |  |  | Re-evaluation of Debts/Statements in file - Audit DTI matches AUS DTI - condition cleared.; Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 12/22/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE1316 | Credit | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - The documentation in the loan file confirms borrower's business existence, however the documents are not dated, as to when this information was verified. Per lender guidelines business verification is required to be verified no later than XXX calendar days prior to the note date. | Document Uploaded. Please see the attached confirmation of when the business license was received. | 12/31/2025 | Borrower 1 3rd Party VOE Prior to Close Was Provided; Received business license search dated XX/XX/XXXX showing the borrower actively in business | 01/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 400000039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Cured | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The XXX% tolerance violation in the amount of XXX is due to increase from XXX on Initial LE dated XX/XX/XXXX, to XXX on the final CD dated XX/XX/XXXX, due to increase in the Recording Fee. No COC provided for increase. | Document Uploaded. Please see the attached cure package mailed to the borrower. | 12/31/2025 | Cure package provided to the borrower; exception downgraded to a 2/B | 12/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> C<br> A |
| 400000039 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> B<br> A<br> C |
| 400000030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000030 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the addition of Appraisal Review Fee in the amount of XXX on Final CD dated XX/XX/XXXX. COC not provided for the additional fee. | Document Uploaded. Cure packet uploaded, please reveiw.; Document Uploaded. Please see attached, CIC requiring the fee increase. | 01/02/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; COC provided indicates the date of the COC as XX/XX/XXXX, however the fee was not disclosed to the borrower until the CD dated XX/XX/XXXX which is not within XXX days of the COC. Provide any missing disclosures | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.39% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.39% is less than Guideline CLTV of 75%<br> C<br> B<br> A |
| 400000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.39% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.39% is less than Guideline CLTV of 75%<br> C<br> B<br> A |
| 400000029 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 52.39% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.39% is less than Guideline CLTV of 75%<br> C<br> B<br> A |
| 400000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.58% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.58% is less than Guideline LTV of 89.99%<br> A |
| 400000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.58% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.58% is less than Guideline LTV of 89.99%<br> A |
| 400000028 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.58% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.58% is less than Guideline LTV of 89.99%<br> A |
| 400000026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE1159 | Credit | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. | Please refer to page XXX for the HOI matching the closing date. | 12/23/2025 | Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000026 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000022 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the attached redisclosure package. | 12/29/2025 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, copy of refund check, proof of delivery or valid COC. The XXX% tolerance violation in the amount of XXX is due to the addition of Appraisal Review Fee on CD XX/XX/XXXX without a valid COC. | 12/29/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.82% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.82% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.82% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.82% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000018 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/17/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of 70.82% is less than Guideline LTV of 85% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70.82% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE1964 | Credit | Missing income documentation | XXX 1120S K-XXX for XXX is missing. Using figures from lender's Final 1003/XXX. | This business is only being qualified with a loss. When this is the case, only the personal returns are needed. Please review to clear this condition. | 12/22/2025 | Lender using income loss, so Sch K-XXX not needed. | 12/23/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000011 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCRE1185 | Credit | AUS Partially Provided | AUS Partially Provided The AUS has the incorrect loan amount of XXX In addition, the LTV/CLTV/HCLTV and DTI were increased do the changes to the loan amount and/or not including REOs into the calculation. Please provide an updated AUS. | Document Uploaded. Please see attached, updated AUS to show the rental loss. ; Rental income was used to qualify. The amount we qualified with is $-XXX. This is a more conservative calculation of DTI. Please confirm what else is needed here. It appears our DTI and Audits DTI are both within qualifying range. ; Document Uploaded. Please see attached updated AUS findings. | 01/02/2026 | AUS is not incomplete. An updated AUS was provided and includes the rental loss. DTI is within variance; no issues. Resolved.; Please review the AUS attached to see that there is NO Negative Rental Income included. Please provide a revised AUS to include the negative rental income.; The AUS attached does not reflect REO rental income from the Sch E, which is not included in DTI calculation. Please advise. Audit added HOA amount of XXX to per pg XXX to REO Sch E income calculation and revised income = XXX resulting in DTI of XXX%.; AUS Partially Provided | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000003 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000006 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Without evidence of receipt, it is assumed that the disclosures dated XX/XX/XXXX and XX/XX/XXXX were mailed and therefore not received by the consumer XXX business days prior to the consummation date. The defect can be cured by proving evidence showing the consumer received the disclosure XXX business days prior to consummation. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX disclosed but the tracking item was cancelled when a new LW was disclosed XX/XX/XXXX at XXX:XXX. This tracking was also cancelled at XX/XX/XXXX when a new LE was disclosed. This LE was viewed/received by the borrower on XX/XX/XXXX:XXX. Please be aware, 'XXX' denotes the time the LE was viewed/received by the borrower electronically. | 12/22/2025 | Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved | 12/23/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/18/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000005 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/19/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/19/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.02% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.02% is less than Guideline CLTV of 80%<br> C<br> A |
| 400000142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal is dated XX/XX/XXXX with a 1004D in file dated XX/XX/XXXX. BAML to confirm this is acceptable since it is under XXX mos old but over XXX days old. | We followed FNMA regarding the dates on the 1004D and original appraisal so this should be fine. The XXX D is a recertification of value showing no decline | 12/26/2025 | BAML approved - documents supported by FNMA GLs - condition cleared; In review. | 12/29/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.02% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.02% is less than Guideline CLTV of 80%<br> C<br> A |
| 400000142 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCRE5774 | Credit | Borrower 1 Credit Report is Incomplete | Borrower 1 Credit Report is Partially Present. Lender to provide credit report that matches score used of XXX Current credit report is in file but score doesn't match. Additional conditions may apply. | attached is correct credit report | 12/24/2025 | Condition cleared as we have received the missing credit report used per the AUS. ; Borrower 1 Credit Report is not partially present. | 12/26/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 49.02% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 49.02% is less than Guideline CLTV of 80%<br> C<br> A |
| 400000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000027 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000024 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99%<br> A |
| 400000009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99%<br> A |
| 400000009 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.15% is less than Guideline CLTV of 89.99% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 69.15% is less than Guideline LTV of 89.99%<br> A |
| 400000008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of application date XX/XX/XXXX or provide confirmation the lender has no affiliates. | Please be advised this is a correspondent loan, the absence of an affiliated business disclosure indicates lender has no affiliated businesses. | 12/24/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/26/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Rescinded | finding-3542 | Compliance | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Documentation required. This loan failed the revised closing disclosure delivery date test (waiting period required). Changes before consummation on the CD dated XX/XX/XXXX require a new waiting period. Please provide borrower receipt date for CD dated XX/XX/XXXX This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §XXX(f)(XXX)(ii) he revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction hanges before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §XXX(o)(XXX) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §XXX(a)(XXX)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the Statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate he creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. | Please be advised the initial CD issued on XX/XX/XXXX was acknowledged as shown on the evidentiary document. There was no CD disclosed on XX/XX/XXXX for the subject property. | 12/24/2025 | Invalid; Exception resolved; Invalid; Exception resolved | 12/26/2025 | C<br> A |
| 400000008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Rescinded | finding-3634 | Compliance | Charges That Cannot Increase Test | The CD dated XX/XX/XXXX is not acknowledged by the borrower, therefore making the COC invalid, Upon receipt of acknowledgement, the violation of XXX for an increase from XXX to XXX for discount points may be cured. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). |  |  | COC in file; exception resolved; COC in file; exception resolved | 12/26/2025 | C<br> A |
| 400000008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000008 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/23/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000007 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/23/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/24/2025 | Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCRE3606 | Credit | HMDA Data Tape Not Provided | Loan is pending HMDA data review. Additional conditions may apply. |  |  | HMDA tape provided, no discrepancies noted. Condition cleared.; HMDA review completed, no Level XXX findings noted, condition cleared.; HMDA Data Tape Provided. | 01/14/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.39% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.39% is less than Guideline CLTV of 80%<br> C<br> A<br> B |
| 400000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCOM3849 | Compliance | Evidence of Appraisal Delivery to Borrower not Provided or Late (12 CFR 1002.14(a)(1)) | The file did not contain evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. If the consumer waived rights, a copy still needs to be provided prior to or at consummation. The violation can be resolved by providing evidence that the consumer received the report in a timely manner. (12 CFR XXX(a)(XXX)). Documentation required to clear exception, evidence confirming a copy of the appraisal was provided to the consumer at least XXX-business days prior to the consummation date. File does not contain an Appraisal Waiver. | Appraisal receipt form | 12/26/2025 | Condition cleared as we have received the appraisal delivery evidence. ; Evidence of appraisal delivery provided. | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.39% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.39% is less than Guideline CLTV of 80%<br> C<br> A<br> B |
| 400000145 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/24/2025 | Resolved | FCOM5135 | Compliance | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception, Required Affiliated Business Disclosure Missing | Affiliated Disclosure condition | 12/26/2025 | Required Affiliated Business Disclosure Documentation Provided | 12/29/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 62.39% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 62.39% is less than Guideline CLTV of 80%<br> C<br> A<br> B |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE1299 | Credit | Income 8 Months Income Verified is Missing | Income 8 Months Income Verified is Missing Missing documentation to verify the taxes and insurance for XXX XXX. | Document Uploaded. Please see attached, taxes and ins for XXX XXX. Please note, the payment was left higher than the documents required as a conservative estimate of the DTI. | 01/08/2026 | Income 8 Months Income Verified is Present Or Not Applicable | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000115 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Total Reserve Amount Shortage -$XXX. Per AUS, funds from a Net Equity account are to be utilized. Documentation to support this account was not available. | Document Uploaded. Please see attached, settlement Statement to confirm the net equity. | 01/08/2026 | Funds are found to meet guidelines. | 01/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE1191 | Credit | Audited Reserves are less than AUS Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than AUS Required Reserves of XXX Per AUS, funds from a Net Equity account are to be utilized. Documentation to support this account was not available. | Please see uploaded document; settlement Statement to confirm net equity | 01/08/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of XXX | 01/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Per AUS, funds from a Net Equity account are to be utilized. Documentation to support this account was not available. | Please see uploaded document, settlement Statement to confirm net equity. | 01/08/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/10/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000114 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | finding-3367 | Compliance | RESPA Homeownership Counseling Organizations Disclosure Date Test | Documentation required to clear exception. The homeownership counseling organizations disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XX/XX/XXXX. This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a) he loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan Originator's application date (or the date creditor received application if loan Originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date ot later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than XXX days prior to the time when the list is provided to the loan applicant from either:(XXX he website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(XXX ata made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data his calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(b) and as it relates to §XXX (list of homeownership counseling organizations provided not later than XXX business days after a loan Originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict lease note: This test does not validate the content of any list of homeownership counseling organizations. | Document Uploaded. Please see attached Counseling organizations dated XX/XX/XXXX as requested.; Please see uploaded document: Initial LE as requested | 01/12/2026 | HOC dated within XXX days of the application date; exception resolved; HOC list in file was not dated within XXX days of the application date. | 01/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A<br> B |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | finding-3635 | Compliance | Charges That In Total Cannot Increase More Than 10% Test | This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE and Service provider list issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX and service provider list is dated XX/XX/XXXX. Please provide the initial LE and SPL issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once documents are provided. | Document Uploaded. Please see attached, SSPL at time of application as requested. ; Please see uploaded document: Initial LE as requested | 01/12/2026 | SSPL dated within XXX days of the application date; exception resolved; This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi).; File is missing SSPL dated within XXX days of the application, all fees in section C are tested in the XXX% tolerance category | 01/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). Documentation required to clear exception. The ARM disclosure provided to the borrower on XX/XX/XXXX was not provided within XXX days of application date of XX/XX/XXXX. | Please see uploaded document: Initial LE as requested | 01/08/2026 | ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 01/13/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX: cure package requires a PCCD, LOE, Copy of Refund Check, and proof of delivery or a Valid COC. The exception is tied to the missing Initial LE issued within XXX business days of the application date of XX/XX/XXXX, as the earliest available LE is dated XX/XX/XXXX. Please provide the initial LE issued within XXX business days of the application date of XX/XX/XXXX. Additional testing will be completed, once the initial LE is provided. | Please see uploaded document: Initial LE as requested | 01/08/2026 | Initial XXX provided; Exception resolved; Initial XXX provided; Exception resolved | 01/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | finding-3515 | Compliance | Initial Loan Estimate Delivery Date Test (from application) | Documentation required to clear exception. The Initial Loan Estimate dated XX/XX/XXXX (per evidentiary document in file) is missing from the loan file. The earliest LE in the loan file was issued on XX/XX/XXXX. The violation can be cured by providing the initial LE within XXX days of application date XX/XX/XXXX. Additional conditions may apply. This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A) he initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application herefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be XXX regardless of the actual values on the disclosure his calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §XXX(a)(XXX) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict he creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. | Document Uploaded. Please see uploaded document: Initial LE as requested | 01/08/2026 | Initial XXX provided; Exception resolved; Initial XXX provided; Exception resolved | 01/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000113 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Acknowledged | FCRE1148 | Credit | Title Coverage is Less than Subject Lien | Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX Title Coverage Amount of XXX is Less than Total Amount of Subject Lien XXX | Unable to Resolve-Seller acknowledges exception, no change in grading | 01/07/2026 | Confirmed : Unable to Resolve-Seller acknowledges exception, no change in grading | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 400000110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Rescinded | FCRE6737 | Credit | Missing Letter of Explanation (Income) | Auditor unable to locate letter from Borrower 2 explaining employment gap from XXX to XXX | XXX selling guide did not intend to place minimum employment length guidelines in to the borrowers employment. As of this writing, XXX does not require any length of time to be XXX to qualify a borrower. In addition, the borrower having a gap in employment does not mean that their current employment is not predictable and stable, it actually doesn't impact their current job at all. The borrower is currently XXX full-time and there is no reason to suspect it wont continue. Please escalate for this to be cleared as is since there is no requirement for a letter of explanation for use of the income. | 01/07/2026 | Employment gap letter is not required. | 01/08/2026 | B<br> A |
| 400000110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 400000110 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> B<br> A |
| 400000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'XXX' denotes the time the LE was viewed/received by the borrower electronically. | 01/08/2026 | Revised XXX receipt date provided; Exception resolved; Revised XXX receipt date provided; Exception resolved | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000109 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | A |
| 400000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | A |
| 400000107 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | A |
| 400000106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/26/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000106 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit tolerance violation in the amount of XXX is due to decrease in Lender Credit from XXX on LE XX/XX/XXXX to XXX on CD XX/XX/XXXX without a COC. Principle reduction on Final CD of XXX however no evidence in file to indicate principle reduction was a cure, so did not apply. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Please be advised the amount provided to the borrower by the lender did not decrease, including the portion of the XXX reduction. Regardless of the cause, the portion covered by the lender did not decrease. | 01/08/2026 | lender confirmed XXX reduction was for lender credit tolerance cure; Exception resolved; lender confirmed XXX reduction was for lender credit tolerance cure; Exception resolved | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000105 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.84% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.84% is less than Guideline CLTV of 80%<br> A |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.84% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.84% is less than Guideline CLTV of 80%<br> A |
| 400000103 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 52.84% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 52.84% is less than Guideline CLTV of 80%<br> A |
| 400000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000097 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/27/2025 | Resolved | FCOM1270 | Compliance | ARM Disclosure Not Provided Within 3 Days of Application Date | ARM Disclosure dated, (XX/XX/XXXX) was not provided within XXX Days of Application Date, (XX/XX/XXXX). The loan file is missing the ARM disclosure, issued on XX/XX/XXXX, as evidenced by the Disclosure Tracking Details (pg. XXX-XXX). The loan file only contains an ARM disclosure, dated XX/XX/XXXX, which is more than XXX business days after the application date of XX/XX/XXXX. | Document Uploaded. Please see the attached arm disclosure. | 01/08/2026 | ARM Disclosure Provided Within XXX Days of Application Date or Not ApplicabXXX. | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% DTI - Exceeded guidelines due to taxes calculated at XXX per documentation in file and Lender used XXX causing DTI of XXX% to exceed guidelines of XXX% | The amount calculated by XXX for the next year may be accurate, however the borrower is escrowing and the initial escrow account disclosure Statement shows that the borrowers escrow payment plus their initial deposit fully pays for the borrowers taxes. The escrow amount monthly that will be charged to the borrower is what should be included in DTI, not what the property taxes / XXX is. | 01/05/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX% | 01/07/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000096 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/30/2025 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCOM1268 | Compliance | ARM Disclosure is Missing | ARM Disclosure is Missing. | Document Uploaded. Please see the attached signed ARM disclosure. | 01/08/2026 | ARM Disclosure is Present or Not Applicable | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.91% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCOM1271 | Compliance | XXX is Missing | XXX is Missing |  |  | XXX is Present or Not Applicable | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.91% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.91% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000104 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/06/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 67.91% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 67.91% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Documentation required: LE is dated XX/XX/XXXX less than XXX days prior to the closing date XX/XX/XXXX. Provide evidence borrower received. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | Document Uploaded. Please see the attached internal screenshot showing that the LE dated XX/XX/XXXX was viewed/received by the borrower on XX/XX/XXXX. Please be aware, 'XXX' denotes the time the LE was viewed/received by the borrower electronically. | 01/07/2026 | Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.11% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.11% is less than Guideline LTV of 80%<br> C<br> A |
| 400000100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.11% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.11% is less than Guideline LTV of 80%<br> C<br> A |
| 400000100 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.11% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.11% is less than Guideline LTV of 80%<br> C<br> A |
| 400000098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.04% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.04% is less than Guideline LTV of 89.99%<br> A |
| 400000098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.04% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.04% is less than Guideline LTV of 89.99%<br> A |
| 400000098 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/07/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 79.04% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 79.04% is less than Guideline LTV of 89.99%<br> A |
| 400000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 12/31/2025 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the attached updated cd redisclosure. | 01/13/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the revised CD dated XX/XX/XXXX without a valid COC. Please provide a valid COC or cure package. | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000095 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> B<br> A |
| 400000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000093 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/05/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The Lender Credit violation in the amount of XXX is due to Lender Credit decrease. The revised LE dated XX/XX/XXXX, lender credit was XXX with valid COC in file. The Initial CD dated XX/XX/XXXX eliminated the Lender Credit to XXX without a valid COC in file. Please provide a valid COC or cure package. | Document Uploaded. Please see the attached package mailed to the borrower. | 01/13/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/13/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Rescinded | FCOM1271 | Compliance | XXX is Missing | XXX is Missing Please provide evidence borrower received the XXX. |  |  | Client provided details as to when booklet was sent ; XXX is Present or Not Applicable | 01/12/2026 | C<br> B<br> A |
| 400000092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FVAL1563 | Property | Unsupported adjustments or comps | Appraisal comp XXX exceeds XXX% gross adjustment (XXX%). Appraiser does not comment. Note: another two of the five comps used exceed XXX% gross adjustments. | Please note that FNMA SEL-XXX-XXX (XXX XXX) eliminated the former XXX% line, XXX% net, and XXX% gross adjustment guidelines. As such, referencing those thresholds as a deficiency is not consistent with current XXX guidance. The adjustments applied in this appraisal do not present a material concern. The C2–C3 condition adjustment of XXX slightly exceeds XXX% but remains below XXX% of the comparable sale prices to which it is applied and is consistently applied in a downward direction only. Condition is otherwise bracketed by Comparable Sales XXX and XXX which are reported as equal to the subject. The XXX pool adjustment is bracketed by Comparable Sale XXX and appears to be derived from a supported extraction. No additional significant adjustments are present. The adjustments are supported at face value based on the data provided. | 01/09/2026 | Confirmed per FNMA B4-XXX-XXX, Adjustments to Comparable Sales (XX/XX/XXXX) - XXX does not have specific limitations or guidelines XXXd with net or gross adjustments. | 01/12/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000092 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/06/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Rescinded | finding-47 | Compliance | TILA Right of Rescission Test | Documentation required to clear exception: Right of Rescission is missing for both borrowers. It appears this may be a construction to perm loan, however unable to determine with certainty. Please provide evidence or explanation confirming construction to perm and ROR not required or provide ROR for both both borrowers as well as corrected date of disbursement. Loan closed and disbursed same day. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. | The loan paid off identifies itself as a construction loan (see credit report), and own loan is a permanent financing loan. Per XXX this transaction is not rescindable as it is considered a continuance of the first transaction. | 01/09/2026 | Loan is paying off construction loan; excetion resolved | 01/12/2026 | D<br> A<br> C |
| 400000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | Document Uploaded. Please see the attached le verification. The XXX stating received is the borrower acknowledging receipt of the document online, and the outstanding status is the date/time it was created. | 01/09/2026 | Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCOM1262 | Compliance | Right of Rescission is Missing | Right of Rescission is Missing Documentation required to clear exception: Right of Rescission is missing for both borrowers. It appears this may be a construction to perm loan, however unable to determine with certainty. Please provide evidence or explanation confirming construction to perm and ROR not required or provide ROR for both both borrowers as well as corrected date of disbursement. | The loan paid off identifies itself as a construction loan (see credit report), and own loan is a permanent financing loan. Per XXX this transaction is not rescindable as it is considered a continuance of the first transaction. | 01/09/2026 | Right of Rescission is Provided | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE1198 | Credit | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) Guidelines require XXX months reserves for loans over $1mil. Assets do not cover the cash to close plus XXX months of reserves. | Please include the assets from this non-subject cd which was sold prior to closing, which is allowed to be used as reserves. | 01/09/2026 | Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FCRE9995 | Credit | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. | Document Uploaded. Please include the assets from this non-subject cd which was sold prior to closing, which is allowed to be used as reserves. | 01/09/2026 | Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | 01/12/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000091 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/01/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/07/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.89% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.89% is less than Guideline LTV of 80%<br> D<br> A<br> C |
| 400000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/02/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Appraisal Fee on the revised CD dated XX/XX/XXXX without a valid COC in file. Please provide a valid COC or cure package. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the attached updated cd redisclosure. | 01/13/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/13/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 80%<br> C<br> B<br> A |
| 400000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 80%<br> C<br> B<br> A |
| 400000087 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/05/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 66% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 66% is less than Guideline LTV of 80%<br> C<br> B<br> A |
| 400000116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credit decreased on the CD issued XX/XX/XXXX without a valid reason issued within XXX business days of redisclosure. This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the cure redisclosure pkg attached | 01/14/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/15/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000116 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000111 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.77% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.77% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000083 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 64.77% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.77% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE0387 | Credit | Borrower 2 Photo Identification not provided | Borrower 2 Photo Identification not provided. B2 Identification document is missing in the file. | A photo ID is not required to be documented in the loan file. The co-borrower's information is not on the identity verification form because the co-borrower was not at closing. The borrower signed on his behalf as attorney-in-fact. The power of attorney document which authorizes her to do so is documented in the loan file. | 01/09/2026 | Photo Identification provided. | 01/11/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> D<br> A |
| 400000102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> D<br> A |
| 400000102 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80%<br> D<br> A |
| 400000099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.03% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.03% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000099 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 56.03% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 56.03% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000090 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/09/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000088 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/07/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000085 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/09/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000112 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000082 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000108 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000101 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCRE1358 | Credit | Borrower 2 W2/1099 Missing | Borrower 2 W2/1099 Missing. Missing XXX and XXX W2 | The borrower is a XXX in the company and does not receive a W2 but a K-XXX where his distributions are paid out. He is less than XXX% XXX and has XXX% ownership. The K-XXX's required were provided for review. Please review to clear this condition as W2's are not needed. | 01/20/2026 | Borrower 2 W2/XXX Provided or Not Applicable (Number of Borrowers equals XXX) | 01/21/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE dated XX/XX/XXXX at least XXX days prior to closing. This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. | Document Uploaded. Please see attached confirming when the LE was viewed. XXX is the borrower viewing the document. | 01/20/2026 | Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved | 01/20/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000094 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 80%<br> D<br> A<br> C |
| 400000089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE1328 | Credit | Borrower 1 W2/1099 Missing | Borrower 1 W2/1099 Missing. W2's in file are blank. Lender to provide correct documentation to support income. | Document Uploaded. XXX W2 uploaded as requested. ; Document Uploaded. Please see attached, W2 as requested. | 01/21/2026 | Borrower 1 W2/XXX Provided; Only XXX year W2 attached. AUS requires most recent two-year per or WVOE. Please provide W for XXX or a WVOE. | 01/21/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.12% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.12% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000089 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.12% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.12% is less than Guideline LTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> D<br> A |
| 400000086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/15/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000086 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> A |
| 400000084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000084 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/16/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/18/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee increase: - The Appraisal Fee (payable to the Lender's Affiliate and Service Provider) increased from XXX to XXX on the revised LE dated XX/XX/XXXX. The file does not contain a valid COC for the increase of this fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see attached CIC for the fee increase. On XX/XX/XXXX a rush fee was approved. This is the CIC for the increase. Please review to clear this condition. | 01/29/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved | 01/29/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000131 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> C<br> A |
| 400000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000130 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000129 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure required. Refund in the amount of XXX cure requires a valid COC or a cure package with a post closing CD, letter of explanation, proof of refund, and proof of delivery. The file is missing a valid COC to support the following fee addition: - An Appraisal Review Fee of XXX was added to the final CD dated XX/XX/XXXX. The file does not contain a valid COC for the addition of this fee. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. Please see the attached redisclosure. | 01/29/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/30/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 400000128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 400000128 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 58.82% is less than Guideline LTV of 75% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 58.82% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX%<br> C<br> B<br> A |
| 400000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.95% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.95% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.95% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.95% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000127 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 78.95% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 78.95% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000126 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000125 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job.<br> A |
| 400000124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Please provide proof of sufficient coverage | Please refer to page XXX for the replacement cost estimator confirming a cost to rebuild of XXX which matches the dwelling coverage. This is sufficient to confirm dwelling coverage meets guideline requirements. | 01/29/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000124 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 89.99% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 89.99% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Cured | finding-3652 | Compliance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The lender credits that cannot decrease violation in the amount of XXX is due to decrease from XXX to $XXX. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason may cure the violation. | Document Uploaded. Please see the attached package mailed to the borrower to cure the issue. | 01/29/2026 | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the appraisal review fee. The change occurred on CD issued XX/XX/XXXX without a valid COC. Providing a valid reason for the change may cure the violation. | Please be advised the appraisal fees were bifurcated on the loan estimate and disclosed a total appraisal fee of XXX The fee was later broken out on the closing disclosure. The over appraisal fees did not increase over the initially disclosed XXX | 01/29/2026 | Lender confirmed appraisal review fee was included with the original disclosed appraisal fee; Exception resolved; Lender confirmed appraisal review fee was included with the original disclosed appraisal fee; Exception resolved | 01/29/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000123 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> B<br> A |
| 400000122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000122 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000121 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii) he revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date he creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation required to clear exception: Proof of delivery/receipt of Final Revised LE at least XXX days prior to closing. | Document Uploaded. Please see the internal screenshot confirming the borrower acknowledged the LE online on XX/XX/XXXX. | 01/29/2026 | Revised XXX receipt date provided; exception resolved; Revised XXX receipt date provided; exception resolved | 01/30/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000120 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> C<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCRE1186 | Credit | Audited DTI Exceeds AUS DTI | Audited DTI of XXX% exceeds AUS DTI of XXX% A negative income for the XXX for Borrower XXX was not included in the lender's calculation. Documentation was provided and supports the negative impact - resulting in the higher DTI calculation. | Document Uploaded. Please see the attached updated AUS, 1003, and XXX including the self-employment loss for B3. | 01/29/2026 | Lender provided UWC in trailing docs showing B3 resigned as XXX and transferred shares to B1 & B2, negative business income for XXX does not apply.; Audited DTI of XXX% is less than or equal to AUS DTI of XXX%; Audited DTI of XXX% is less than or equal to AUS DTI of XXX% | 02/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% A negative income for the XXX for Borrower XXX was not included in the lender's calculation. Documentation was provided and supports the negative impact - resulting in the higher DTI calculation. | Document Uploaded. Please refer to page XXX confirming XXX resigned as XXX of the corporation, an LOX is not required.; Please disregard the prior response and updated documentation. B3, XXX, sold his business to the primary Borrower 1XX/XX/XXXX as shown on page XXX and confirmed on page XXX In this case, the business loss does not need to be included in ratios. The XXX returns would not have been filed and are not required to be by guidelines. The initial underwrite of this loan was accurate and reflected the correct DTI/AUS/1003/XXX.; Please see the attached updated AUS, 1003, and XXX including the self-employment loss for B3. | 02/02/2026 | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Please provide an Letter of explanation from the borrower's regarding the sale of B2's business to the primary borrower.; Lender provided updated AUS, XXX and 1003 to include negative XXX income for B3 results in higher DTI of XXX% which is greater than Lender guidelines DTI of XXX% Please advise.; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 02/03/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A<br> C |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCOM1231 | Credit | The Initial 1003 is Missing | The Initial 1003 is Missing Missing Initial 1003 for borrower and co borrowers | Document Uploaded. Please see attached initial 1003 acknowledged by both borrowers. | 01/29/2026 | The Initial 1003 is Present | 01/30/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000119 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 50% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 50% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> D<br> A |
| 400000118 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.57% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000118 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.57% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000118 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/28/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of 28.57% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 28.57% is less than Guideline CLTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.7% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/27/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.7% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |
| 400000117 |  | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | QM: Safe Harbor APOR (APOR SH) | Loan Review Complete | 01/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64.7% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64.7% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX<br> A |

---

## Exhibit 99.12

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 400000207 |  |  | $XXXXXX<br> C<br> D<br> A |
| 400000195 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000205 |  |  | $XXXXXX<br> C<br> A |
| 400000194 |  |  | $XXXXXX<br> C<br> A |
| 400000186 |  |  | $XXXXXX<br> C<br> D<br> A<br> B |
| 400000203 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000199 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 400000200 |  |  | $XXXXXX<br> C<br> A |
| 400000184 |  |  | $XXXXXX<br> C<br> A |
| 400000204 |  |  | $XXXXXX<br> C<br> A |
| 400000182 |  |  | $XXXXXX<br> C<br> A |
| 400000196 |  |  | $XXXXXX<br> C<br> A |
| 400000177 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000187 |  |  | $XXXXXX<br> C<br> A |
| 400000185 |  |  | $XXXXXX<br> D<br> B<br> A |
| 400000174 |  |  | $XXXXXX<br> C<br> A |
| 400000192 |  |  | $XXXXXX<br> D<br> A |
| 400000197 |  |  | $XXXXXX<br> C<br> A |
| 400000189 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000193 |  |  | $XXXXXX<br> C<br> A<br> B |
| 400000162 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000206 |  |  | $XXXXXX<br> C<br> A |
| 400000190 |  |  | $XXXXXX<br> C<br> A |
| 400000191 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000166 |  |  | $XXXXXX<br> D<br> A |
| 400000164 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000178 |  |  | $XXXXXX<br> C<br> A |
| 400000183 |  |  | $XXXXXX<br> C<br> A |
| 400000176 |  |  | $XXXXXX<br> C<br> A |
| 400000198 |  |  | $XXXXXX<br> C<br> D<br> A |
| 400000165 |  |  | $XXXXXX<br> C<br> A |
| 400000179 |  |  | $XXXXXX<br> C<br> A<br> B |
| 400000171 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000001 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 400000168 |  |  | $XXXXXX<br> C<br> A<br> B |
| 400000202 |  |  | $XXXXXX<br> D<br> A |
| 400000172 |  |  | $XXXXXX<br> C<br> A |
| 400000132 |  |  | $XXXXXX<br> D<br> C<br> B<br> A |
| 400000161 |  |  | $XXXXXX<br> C<br> A |
| 400000180 |  |  | $XXXXXX<br> D<br> A |
| 400000170 |  |  | $XXXXXX<br> C<br> A |
| 400000188 |  |  | $XXXXXX<br> D<br> A<br> C |
| 400000148 |  |  | $XXXXXX<br> C<br> A |
| 400000076 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000040 |  |  | $XXXXXX<br> A |
| 400000074 |  |  | $XXXXXX<br> A |
| 400000072 |  |  | $XXXXXX<br> A |
| 400000070 |  |  | $XXXXXX<br> A |
| 400000044 |  |  | $XXXXXX<br> A |
| 400000068 |  |  | $XXXXXX<br> A |
| 400000066 |  |  | $XXXXXX<br> A |
| 400000042 |  |  | $XXXXXX<br> A |
| 400000059 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000054 |  |  | $XXXXXX<br> A |
| 400000081 | XXXXX |  | $XXXXXX<br> C<br> A |
| 400000163 |  |  | $XXXXXX<br> C<br> A |
| 400000208 | XXXXX |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 400000156 |  |  | $XXXXXX<br> C<br> A |
| 400000141 |  |  | $XXXXXX<br> C<br> D<br> A |
| 400000181 |  |  | $XXXXXX<br> C<br> A |
| 400000133 |  |  | $XXXXXX<br> C<br> A |
| 400000080 |  |  | $XXXXXX<br> A |
| 400000079 |  |  | $XXXXXX<br> A<br> C |
| 400000078 |  |  | $XXXXXX<br> A |
| 400000073 |  |  | $XXXXXX<br> A<br> D |
| 400000069 |  |  | $XXXXXX<br> A |
| 400000067 |  |  | $XXXXXX<br> A<br> C |
| 400000063 |  |  | $XXXXXX<br> A |
| 400000041 |  |  | $XXXXXX<br> A |
| 400000055 |  |  | $XXXXXX<br> A |
| 400000155 |  |  | $XXXXXX<br> C<br> A |
| 400000175 |  |  | $XXXXXX<br> C<br> A |
| 400000160 |  |  | $XXXXXX<br> C<br> A |
| 400000201 |  |  | $XXXXXX<br> C<br> A |
| 400000169 |  |  | $XXXXXX<br> C<br> A |
| 400000159 |  |  | $XXXXXX<br> C<br> A |
| 400000140 |  |  | $XXXXXX<br> D<br> A |
| 400000150 |  |  | $XXXXXX<br> C<br> D<br> A |
| 400000149 |  |  | $XXXXXX<br> C<br> A |
| 400000157 |  |  | $XXXXXX<br> C<br> A |
| 400000077 |  |  | $XXXXXX<br> A |
| 400000071 |  |  | $XXXXXX<br> A |
| 400000065 |  |  | $XXXXXX<br> A |
| 400000061 |  |  | $XXXXXX<br> A |
| 400000057 |  |  | $XXXXXX<br> A |
| 400000056 |  |  | $XXXXXX<br> A |
| 400000053 |  |  | $XXXXXX<br> A |
| 400000051 |  |  | $XXXXXX<br> A |
| 400000049 |  |  | $XXXXXX<br> A |
| 400000047 |  |  | $XXXXXX<br> D<br> A |
| 400000046 |  |  | $XXXXXX<br> A<br> D |
| 400000153 |  |  | $XXXXXX<br> C<br> A<br> B |
| 400000173 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000158 |  |  | $XXXXXX<br> C<br> A |
| 400000154 |  |  | $XXXXXX<br> C<br> A |
| 400000151 |  |  | $XXXXXX<br> D<br> A |
| 400000146 |  |  | $XXXXXX<br> C<br> A |
| 400000144 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000167 |  |  | $XXXXXX<br> C<br> A |
| 400000062 |  |  | $XXXXXX<br> D<br> A |
| 400000060 |  |  | $XXXXXX<br> A |
| 400000058 |  |  | $XXXXXX<br> A |
| 400000052 |  |  | $XXXXXX<br> A |
| 400000050 |  |  | $XXXXXX<br> A |
| 400000048 |  |  | $XXXXXX<br> A |
| 400000045 |  |  | $XXXXXX<br> A |
| 400000025 |  |  | $XXXXXX<br> A |
| 400000023 |  |  | $XXXXXX<br> A |
| 400000147 |  |  | $XXXXXX<br> D<br> A |
| 400000152 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000075 |  |  | $XXXXXX<br> A |
| 400000064 |  |  | $XXXXXX<br> D<br> A |
| 400000043 |  |  | $XXXXXX<br> A |
| 400000034 |  |  | $XXXXXX<br> A |
| 400000143 |  |  | $XXXXXX<br> C<br> A |
| 400000138 |  |  | $XXXXXX<br> C<br> A<br> B |
| 400000137 |  |  | $XXXXXX<br> C<br> A |
| 400000038 |  |  | $XXXXXX<br> A |
| 400000037 |  |  | $XXXXXX<br> D<br> A |
| 400000036 |  |  | $XXXXXX<br> D<br> A |
| 400000035 |  |  | $XXXXXX<br> A |
| 400000033 |  |  | $XXXXXX<br> A |
| 400000032 |  |  | $XXXXXX<br> A |
| 400000031 |  |  | $XXXXXX<br> A<br> D |
| 400000021 |  |  | $XXXXXX<br> A |
| 400000020 |  |  | $XXXXXX<br> A<br> B |
| 400000019 |  |  | $XXXXXX<br> A |
| 400000004 |  |  | $XXXXXX<br> A<br> C |
| 400000002 |  |  | $XXXXXX<br> D<br> A |
| 400000017 |  |  | $XXXXXX<br> A |
| 400000016 |  |  | $XXXXXX<br> A |
| 400000015 |  |  | $XXXXXX<br> A |
| 400000014 |  |  | $XXXXXX<br> A<br> C |
| 400000013 |  |  | $XXXXXX<br> A |
| 400000012 |  |  | $XXXXXX<br> A |
| 400000010 |  |  | $XXXXXX<br> A |
| 400000136 |  |  | $XXXXXX<br> C<br> A |
| 400000139 |  |  | $XXXXXX<br> C<br> A |
| 400000135 |  |  | $XXXXXX<br> C<br> A |
| 400000134 |  |  | $XXXXXX<br> C<br> A |
| 400000039 |  |  | $XXXXXX<br> D<br> C<br> A<br> B |
| 400000030 |  |  | $XXXXXX<br> A |
| 400000029 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000028 |  |  | $XXXXXX<br> A |
| 400000026 |  |  | $XXXXXX<br> C<br> A |
| 400000022 |  |  | $XXXXXX<br> A |
| 400000018 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000011 |  |  | $XXXXXX<br> D<br> A |
| 400000003 |  |  | $XXXXXX<br> D<br> A |
| 400000006 |  |  | $XXXXXX<br> A |
| 400000005 |  |  | $XXXXXX<br> A<br> C |
| 400000142 |  |  | $XXXXXX<br> C<br> A |
| 400000027 |  |  | $XXXXXX<br> A |
| 400000024 |  |  | $XXXXXX<br> A |
| 400000009 |  |  | $XXXXXX<br> A |
| 400000008 |  |  | $XXXXXX<br> A<br> C |
| 400000007 |  |  | $XXXXXX<br> A |
| 400000145 |  |  | $XXXXXX<br> C<br> B<br> A |
| 400000115 |  |  | $XXXXXX<br> C<br> A |
| 400000114 |  |  | $XXXXXX<br> C<br> A |
| 400000113 |  |  | $XXXXXX<br> A<br> C |
| 400000110 |  |  | $XXXXXX<br> B<br> A |
| 400000109 |  |  | $XXXXXX<br> A<br> C |
| 400000107 |  |  | $XXXXXX<br> A |
| 400000106 |  |  | $XXXXXX<br> A |
| 400000105 |  |  | $XXXXXX<br> A<br> C |
| 400000103 |  |  | $XXXXXX<br> A |
| 400000097 |  |  | $XXXXXX<br> A |
| 400000096 |  |  | $XXXXXX<br> C<br> A |
| 400000104 |  |  | $XXXXXX<br> A<br> D |
| 400000100 |  |  | $XXXXXX<br> A<br> C |
| 400000098 |  |  | $XXXXXX<br> A |
| 400000095 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000093 |  |  | $XXXXXX<br> A |
| 400000092 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000091 |  |  | $XXXXXX<br> C<br> D<br> A |
| 400000087 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000116 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000111 |  |  | $XXXXXX<br> A |
| 400000083 |  |  | $XXXXXX<br> A |
| 400000102 |  |  | $XXXXXX<br> D<br> A |
| 400000099 |  |  | $XXXXXX<br> A |
| 400000090 |  |  | $XXXXXX<br> A |
| 400000088 |  |  | $XXXXXX<br> A |
| 400000085 |  |  | $XXXXXX<br> A |
| 400000112 |  |  | $XXXXXX<br> A |
| 400000082 |  |  | $XXXXXX<br> A |
| 400000108 |  |  | $XXXXXX<br> A |
| 400000101 |  |  | $XXXXXX<br> A |
| 400000094 |  |  | $XXXXXX<br> D<br> C<br> A |
| 400000089 |  |  | $XXXXXX<br> D<br> A |
| 400000086 |  |  | $XXXXXX<br> A |
| 400000084 |  |  | $XXXXXX<br> A |
| 400000131 |  |  | $XXXXXX<br> A<br> C |
| 400000130 |  |  | $XXXXXX<br> A |
| 400000129 |  |  | $XXXXXX<br> A |
| 400000128 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000127 |  |  | $XXXXXX<br> A |
| 400000126 |  |  | $XXXXXX<br> A |
| 400000125 |  |  | $XXXXXX<br> A |
| 400000124 |  |  | $XXXXXX<br> C<br> A |
| 400000123 |  |  | $XXXXXX<br> A<br> C<br> B |
| 400000122 |  |  | $XXXXXX<br> A |
| 400000121 |  |  | $XXXXXX<br> A |
| 400000120 |  |  | $XXXXXX<br> A<br> C |
| 400000119 |  |  | $XXXXXX<br> D<br> A |
| 400000118 |  |  | $XXXXXX<br> A |
| 400000117 |  |  | $XXXXXX<br> A |

---

## Exhibit 99.13

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 400000207 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000195 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000205 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.69 | 66.69 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 400000194 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.45 | 34.45 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .2597 | AVM |  |  |  |  |  | XXX | XXX | .2597 | 95.0 | 0.05 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 400000186 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.38 | 52.38 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 400000203 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | -.1333 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1333 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .000 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible |  |  |
| 400000199 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 400000200 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 400000184 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.53 | 39.53 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 400000204 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 400000182 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.68 | 52.68 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 400000196 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.95 | 76.95 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 400000177 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.85 | 57.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 400000187 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.17 | 64.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 400000185 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.86 | 59.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 400000174 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 400000192 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.47 | 59.47 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.6 |  |
| 400000197 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 400000189 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.13 | 53.13 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 400000193 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.82 | 69.82 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000162 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.8 |  |
| 400000206 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000190 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.12 | 67.12 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000191 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.36 | 57.36 | $XXX | $XXX | .0000 | Desk Review | $XXX | $XXX | .0200 | AVM |  |  |  |  |  | XXX | XXX | .0200 | 91.0 | 0.09 | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 400000166 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 400000164 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400000178 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.48 | 67.48 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 400000183 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.81 | 68.81 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000176 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.7 | 69.7 | $XXX | $XXX | -.0485 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0485 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 400000198 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 41.03 | 41.03 | $XXX | $XXX | .0103 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0103 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 400000165 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 400000179 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 400000171 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.43 | 71.43 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 400000001 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400000168 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 2090 Individual Coop Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400000202 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.83 | 79.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000172 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.17 | 77.17 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400000132 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 36.13 | 36.13 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 400000161 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000180 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.63 | 72.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000170 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.66 | 67.66 | $XXX | $XXX | -.0217 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0217 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Unavailable |  |  |
| 400000188 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.08 | 74.08 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  | $XXX | $XXX | .0140 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400000148 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.17 | 73.17 | $XXX | $XXX | .0488 | Desk Review |  |  |  |  | $XXX | $XXX | .0488 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | $XXX | $XXX | .0488 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 400000076 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000040 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.62 | 65.62 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.8 |  |
| 400000074 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.75 | 50.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 400000072 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400000070 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.65 | 57.65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 400000044 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.71 | 70.71 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 400000068 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000066 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 400000042 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.25 | 78.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 400000059 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.57 | 67.57 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000054 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | -.1087 | Desk Review |  |  |  |  | $XXX | $XXX | .0000 | XX/XX/XXXX | 1073 Individual Condo Report |  |  |  |  |  |  |  |  | $XXX | $XXX | -.1087 | XXX | High Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 400000081 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.47 | 55.47 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000163 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 400000208 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.75 | 63.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000156 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.06 | 73.06 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000141 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.96 | 52.96 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 400000181 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.86 | 73.86 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000133 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000080 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.16 | 62.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000079 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 75.61 | 75.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000078 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 400000073 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.9 | 78.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000069 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000067 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000063 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 400000041 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.46 | 79.46 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 400000055 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.3 | 59.3 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 400000155 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.11 | 68.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 400000175 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 20.73 | 20.73 | $XXX | $XXX | .0218 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0218 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000160 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.52 | 66.52 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 400000201 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000169 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.11 | 47.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 400000159 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.64 | 79.64 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400000140 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.83 | 68.83 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000150 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.97 | 68.97 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 400000149 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.4 |  |
| 400000157 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.28 | 56.28 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000077 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.27 | 77.27 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 400000071 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.22 | 79.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000065 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000061 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.69 | 58.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 400000057 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000056 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000053 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000051 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.91 | 74.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 400000049 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000047 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000046 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000153 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.64 | 69.64 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 400000173 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.53 | 57.53 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000158 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.94 | 67.94 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 400000154 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000151 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 47.56 | 47.56 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 400000146 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.6 | 72.6 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 400000144 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.85 | 61.85 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 400000167 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.54 | 61.54 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000062 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.75 | 78.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000060 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000058 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.83 | 59.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2 |  |
| 400000052 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.99 | 59.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000050 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000048 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.06 | 66.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000045 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.49 | 64.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000025 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000023 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 400000147 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 400000152 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.67 | 63.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000075 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.65 | 56.65 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 400000064 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.42 | 66.42 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 400000043 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.01 | 73.01 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |
| 400000034 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 400000143 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000138 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000137 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 34.09 | 34.09 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 400000038 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 400000037 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.69 | 70.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000036 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400000035 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 400000033 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.85 | 79.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 400000032 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.91 | 61.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 400000031 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 400000021 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.22 | 72.22 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.8 |  |
| 400000020 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 400000019 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.09 | 58.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000004 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.69 | 74.69 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 400000002 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.16 | 56.16 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 400000017 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.44 | 61.44 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.8 |  |
| 400000016 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.25 | 43.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 400000015 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 400000014 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.77 | 75.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 400000013 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.53 | 62.53 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.2 |  |
| 400000012 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |
| 400000010 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.26 | 65.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000136 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 5 |  |
| 400000139 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.67 | 78.67 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.5 |  |
| 400000135 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 400000134 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.63 | 79.63 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 400000039 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000030 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000029 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.39 | 52.39 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 400000028 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.58 | 79.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 400000026 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 400000022 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000018 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.82 | 70.82 | $XXX | $XXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0833 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 400000011 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 71.35 | 71.35 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 400000003 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.53 | 75.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000006 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.19 | 76.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000005 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000142 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.02 | 49.02 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 400000027 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 51.78 | 51.78 | $XXX | $XXX | -.0875 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0875 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 400000024 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.5 |  |
| 400000009 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.15 | 69.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 400000008 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.71 | 64.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 400000007 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 400000145 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.39 | 62.39 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 400000115 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 400000114 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 400000113 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000110 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 76.96 | 76.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000109 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 400000107 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 400000106 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 400000105 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 400000103 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 52.84 | 52.84 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 400000097 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 400000096 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.87 | 79.87 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.4 |  |
| 400000104 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.91 | 67.91 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 400000100 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 55.11 | 55.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 400000098 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.04 | 79.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000095 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.49 | 79.49 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.3 |  |
| 400000093 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.1 |  |
| 400000092 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000091 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.89 | 68.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 400000087 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 66.0 | 66.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 400000116 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 400000111 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000083 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.77 | 64.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.4 |  |
| 400000102 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000099 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.03 | 56.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 400000090 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 400000088 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 400000085 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000112 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.15 | 72.15 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 400000082 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.61 | 74.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 400000108 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000101 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 400000094 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000089 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 63.12 | 63.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 400000086 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 400000084 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 400000131 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000130 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 400000129 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 400000128 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.82 | 58.82 | $XXX | $XXX | -.0147 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0147 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 400000127 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.95 | 78.95 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 400000126 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.73 | 79.73 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 400000125 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000124 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 400000123 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 78.41 | 78.41 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.1 |  |
| 400000122 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 400000121 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 400000120 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Moderate Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 400000119 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 400000118 |  |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 28.57 | 28.57 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Low Risk | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 400000117 |  |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.7 | 64.7 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.1 |  |

---

## Exhibit 99.14

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 400000207 |  |  | XXX | Borrower 3 Qualifying Income | employmentIncomePage | XXX | XXX | Confirmed with credit report/Final 1003. |
| 400000207 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000195 |  |  | XXX | Total Closing Costs | finalCdDetailPage | XXX | XXX | Confirmed with Final CD. |
| 400000195 |  |  | XXX | Borrower 1 Last Name | notePage | XXXXX | XXXXX | Confirmed with note |
| 400000195 |  |  | XXX | Borrower 1 First Name | notePage | XXX | XXX | Confirmed with note |
| 400000195 |  |  | XXX | Borrower 1 SSN | the1003Page | XXX | XXX | Confirmed with 1003 data. |
| 400000195 |  |  | XXX | Borrower 2 SSN | the1003Page | XXX | XXX | Confirmed with loan docs. |
| 400000195 |  |  | XXX | Borrower 1 FTHB | the1003Page | XXX | XXX | Confirmed with 1003 data. |
| 400000195 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed-Missing doc for sale of property. |
| 400000205 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000186 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000182 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000196 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000187 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000197 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000193 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations |
| 400000162 |  |  | XXX | Borrower 1 FTHB | the1003Page | XXX | XXX | Confirmed with 1003 data. |
| 400000162 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000190 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000166 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations |
| 400000164 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000178 |  |  | XXX | Total Closing Costs | finalCdDetailPage | XXX | XXX | Per final closing disclosure |
| 400000178 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000176 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed by system calculations |
| 400000165 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 400000179 |  |  | XXX | Borrower 2 Citizen | the1003Page | XXX | XXX | Confirmed with 1003 data. |
| 400000179 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000171 |  |  | XXX | Interest Only Flag | notePage | XXX | XXX | Confirmed with Note data. |
| 400000171 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations |
| 400000001 |  |  | XXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXX | XXX | Discrepancy is due to data entry, Borrower is XXX with Self Employment income also. |
| 400000001 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, The total qualified assets is XXX |
| 400000168 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000161 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000180 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations |
| 400000188 |  |  | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX | Per first appraisal |
| 400000188 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000148 |  |  | XXX | Total Closing Costs | postConsummationCdDetailPage | XXX | XXX | Confirmed with PCCD. |
| 400000148 |  |  | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX | Confirmed and used lowest appraisal. |
| 400000148 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000208 | XXXXX |  | XXX | Cash out Include Debt Paid at Close | postConsummationCdDetailPage | XXX | XXX | Paying off 2nd lien considered as a Cash out |
| 400000208 | XXXXX |  | XXX | Subject Property Type | rwtGet1Page | XXX | XXX | Subject is located in a PUD per Appraisal in file |
| 400000141 |  |  | XXX | Borrower 1 Citizen | the1003Page | XXX | XXX | Confirmed with 1003 data. |
| 400000141 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000181 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, Verified assets are $XXX. |
| 400000133 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000080 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Verified loan is a XXX using AUS and XXX |
| 400000155 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000175 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, Verified assets are $XXX. |
| 400000160 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, Verified assets are $XXX. |
| 400000201 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000159 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations |
| 400000140 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000149 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset document |
| 400000157 |  |  | XXX | Borrower 1 FTHB | the1003Page | XXX | XXX | Confirmed with 1003 data. |
| 400000157 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations |
| 400000077 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX off contract and XXX |
| 400000173 |  |  | XXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXX | XXX | Confirmed with 1003 data. |
| 400000151 |  |  | XXX | Total Closing Costs | finalCdDetailPage | XXX | XXX | Confirmed with final CD. |
| 400000146 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000144 |  |  | XXX | Total Closing Costs | finalCdDetailPage | XXX | XXX | Per final closing dislcosure |
| 400000144 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000167 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000050 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Per documentation, subject loan is a XXX |
| 400000025 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Transaction verified as a FTHB XXX per COS and Final URLA. |
| 400000147 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000152 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculation |
| 400000143 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000138 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Per asset documents |
| 400000033 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Confirmed with 1003 data. |
| 400000136 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, Verified assets are XXX |
| 400000135 |  |  | XXX | Total Closing Costs | finalCdDetailPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 400000135 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, Verified assets are $XXX. |
| 400000011 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | XXX transaction |
| 400000142 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Confirmed with system calculations. |
| 400000008 |  |  | XXX | Borrower 2 Origination FICO  | creditLiabilitiesPage | XXX | XXX | XXX is the mid score page XXX |
| 400000145 |  |  | XXX | Total Qualified Assets Post-Close  | assetPage | XXX | XXX | Discrepancy is due to data entry, True data is correct. |
| 400000092 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Confirmed subject transaction is a XXX. |
| 400000085 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Updated a Per 1003. |
| 400000121 |  |  | XXX | Loan Purpose | the1003Page | XXX | XXX | Per final CD, 1003, XXX - Loan XXX. |

---

## Exhibit 99.15

---

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| **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 400000207 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns | 1 - Not Stated, Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX | 4 - Verified 2+ Mos | 1 - Not Stated Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000195 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 1 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000205 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000194 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | Yes | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000186 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | Yes | XXX | 1 | 2 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000203 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | Yes | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 99 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000199 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000200 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000184 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000204 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000182 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000196 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000177 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% | Borrower Prepared | 6 | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000187 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000185 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000174 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Audited | 6 | Yes | No | XXX | No |  | 1 | 0 | No | 1 | 1 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000192 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000197 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000189 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000193 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% | Borrower Prepared | 2 | No | No | XXX | Yes | XXX | 2 | 2 | No | 1 | 1 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000162 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000206 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000190 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000191 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000166 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 1 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000164 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 2 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX |  | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | N/A | No | XXX |
| 400000178 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000183 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000176 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000198 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Borrower Prepared | 19 | Yes | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000165 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000179 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000171 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000001 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No |  |
| 400000168 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 2.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000202 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000172 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved | XXX | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | Yes | No | XXX | Yes | XXX | 0 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000132 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX |  | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000161 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | N/A | No | XXX |
| 400000180 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 1 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000170 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX | 4 - Verified 2+ Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000188 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000148 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Borrower Prepared | 6 | Yes | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000076 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000040 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000074 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000072 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000070 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000044 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000068 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000066 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000042 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000059 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 1 | 0 | 0 |  | No | XXX |
| 400000054 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000081 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 1 | 1 | 0 | 3 | XXX | XXX | 4 - Verified 2+ Mos | 3 - Verified<2Mos | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000163 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000208 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000156 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000141 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000181 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000133 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program |  |  |  |  |  | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000080 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000079 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000078 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000073 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000069 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000067 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Not Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000063 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000041 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000055 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000155 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000175 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000160 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000201 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000169 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000159 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000140 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  | Borrower Prepared | 8 | Yes | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000150 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000149 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000157 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000077 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000071 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000065 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | Yes | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000061 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000057 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000056 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000053 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000051 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000049 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000047 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000046 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000153 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000173 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 2 | 2 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000158 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000154 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | Yes | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000151 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000146 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000144 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000167 | XXX | XX/XX/XXXX | QM: Higher Priced APOR (APOR HP) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 2 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000062 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000060 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000058 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000052 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000050 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000048 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000045 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000025 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000023 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000147 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FHLMC | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000152 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000075 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000064 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000043 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000034 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000143 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000138 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000137 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% | Borrower Prepared | 24 | No | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 2 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000038 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000037 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | Yes | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000036 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 1 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000035 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000033 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000032 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000031 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000021 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000020 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000019 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000004 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 1 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000002 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000017 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000016 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000015 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000014 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000013 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000012 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000010 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000136 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Retirement Income Doc Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000139 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No |  | 1 | 1 | No | 2 | 2 | 1 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000135 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 1 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000134 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000039 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000030 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000029 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000028 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000026 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000022 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000018 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000011 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000003 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000006 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000005 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000142 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000027 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 1 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000024 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000009 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000008 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000007 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000145 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 1 | 1 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000115 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | Yes | XXX | 1 | 0 | No | 3 | 3 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000114 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000113 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 3.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000110 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 1 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000109 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000107 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000106 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000105 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000103 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000097 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000096 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000104 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000100 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000098 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000095 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000093 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000092 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000091 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000087 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | No |  | 0 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000116 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000111 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000083 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000102 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000099 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000090 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000088 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000085 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000112 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000082 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 1 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000108 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000101 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Qualifying DTI Exceeds 43% | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000094 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% |  |  | No | No | XXX | No |  | 0 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000089 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 0 | 0 | 0 | 3 | XXX | XXX | 1 - Not Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000086 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  | 4 - Stated, 1YR W2 + YTD Paystub OR 2YR Tax Returns |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | No |  | 0 | 1 | No | 3 | 3 | 1 | 3 | XXX | XXX | 4 - Verified 2+ Mos |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000084 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 2 | 2 | 0 | 2 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000131 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000130 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000129 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 | Warrantable | No | XXX |
| 400000128 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 1 | 1 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  | 0 | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000127 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000126 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% |  |  | No | No | XXX | No |  | 2 | 2 | No | 0 | 0 | 1 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Basic | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000125 | XXX | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | Qualifying DTI Exceeds 43% | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 2 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000124 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 3 | 3 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  |  |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000123 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000122 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000121 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 2 | 2 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000120 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | Yes | XXX | 2 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000119 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  | XXX | XXX |  |  | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  | 5 - Stated, 2YRs Verified + CPA Letter |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 2 | No | 3 | 3 | 1 | 3 | XXX | XXX | 1 - Not Stated Not Verified |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  | XXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000118 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | XXX | No |  | 0 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |
| 400000117 |  | XX/XX/XXXX | QM: Safe Harbor APOR (APOR SH) | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | XXX | XXX<br> FNMA | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | XXX | No |  | 2 | 0 | No | 0 | 0 | 2 | 3 | XXX | XXX |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | XXX | XX/XX/XXXX | XXX | XXX | XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | XXX | XXX | 0 | 0 | 0 |  | No | XXX |

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